Help required from Blair Endersby

[David Mond]

If your daughters boyfriend moves in with her you are right it will affect her allowances. However presumably he would contribute 50% of the household expenditure - this therefore might free up some money to enable your daughter to continue with her IVA.
Any change incircumstances should be communicated to her Supervisor(IP). Good luck

[Ceedy]

Hi to all,

Been missing for a while.. mostly trying to make claims from Credit card companies, and Giving Mint a Hard time about about all the debt chasing and the court case whilst in the the IVA. awaiting a reply to my last 4-5 pager, where I laid out every single MINT infringement of all the laws/guidelines I could find.
We will see what they ocome up with.?
But also on the IVA front, I now have discussed the future of the IVA at great length with the IP, with regard to it failing next year with the drop in income.
They've agreed that we can go the B'rupcy route , they have suppied a Letter of consent/agreement to the BR in case the court needs one , and we ( my daughter) has her BR hearing on the 19th Nov.

Byzz,
C.

[kallis3]

Hi Ceedy, good to see you again.

I'm glad your daughter is finally managing to sort things out. It's a pity she won't be able to continue with the IVA, but at least she will have some finalisation with the BR and be able to get on with her life. I wish her all the luck in the world for the future.

Let us know how she gets on, and let us know what you hear back from Mint as well, will be interesting!

What a wonderful, supportive father you have been, I wouldn't dare tell mine!

[Ceedy]

Back again,

As of last Wednesday.. She's been declared B'rupt.. cost me 495 quidlets.

Paid the money, checked out the forms went upstais to await our turn,
Sat waiting for about 35 mins, then someone appeared with the form all stamped up , never saw the judge .. ?.
Spoke to the OR on the phone, for a short while, got some info from a Lady, which it now transpires was completly wrong, about the next moves and what we should do.
Took all our stacks of info and no one wanted to see any of it.
I had already got written agreement from the IP on all of this, but never needed it.
for info ...A few days after the Ip's agreemnt we got a letter from the IP cancelling her direct debit payments. Ok ,no probs. and
and on the morning of the bankruptcy, a letter from the IP complaining the payment was late ?!! Arggh!!!.

Oh well, something might go right sometimes . I live in hope.

Just waiting on the OR to sort it all out the details..

Been to barclays bank 3 times now to try to preempt the freeezing of her accounts , as she will need someting to organise her life with and the accounts are already the allowed minimum cash card accounts. and it seems daft to freeze them and then having to apply for another of the same, and have to do all the DDs again.

The OR's statements of don't use your accounts now, and it will take a couple of weeks to send info & sort out is cobblers, what does she do for 2 weeks with a life /job/son to run ?.

Local Barclays have agreed with it being wasteful to do this but still havn't commited. and the OR similarly said they won't be interested in the cash card accounts.

But I expect it will all go to rats.
We are awaiting a reply to the bank asking for help on the subject.

Back again soon with more info ...


C.

[kallis3]

Hi Ceedy,

Your poor daughter has been through the mill with all this hasn't she?

At least, hopefully, she can see the light at the end of the tunnel and things should be sorted shortly.

Fingers crossed that they don't freeze her account.

At least she has wonderful father to help her out, so much better than having to do it on your own.

[Ceedy]

OOps,I missed the minty bit from the last reply.

Had a letter from Mint 2 days ago, it concentrated quite a lot on why they should pay back any charges. which I might not pursue now as it was all included in the debt's and they won't be getting much of that back now !

They omitted to go into a detailed reply on most of the points, But Mints botton line excuse , after a "thorough" investigation , is that they did not know of the IVA until contacted in Oct 2008.
I will reply to this total Lie, as we have written proof they were notified in July 2007 at the creation of the IVA.

Good job I've nothing else to do other than a normal Job, family ( the biggest prob ) parents at the age when they want support now , and a part time business to run. hehe!!

take care all.
C

[kallis3]

Well I think you are doing very well!

Mint want shooting (well most creditors do actually!), but at least they can't do anything at all to you now.

I'd let 'em have it with both barrels![:D][:D]

[Ceedy]

Episode ??? ( lost count)
NB. Not sure if my status of IVA novice is quite right anymore ??
Snigger!

Maybe one day things will go smoothly ... I live in hope

In the conversation with the O/R at the time of the B'rupcy, we were told to expect a package from the O/R and then contact them, after waiting about a week, we had a snotty call from the O/R asking why we had not made contact. Found out that the original person gave us duff gen and got it the wrong way round.

Typically we have never spoken to the same person or had a letter from anyone we have actually spoken to.?

At this telephone interview He did ask a lot of searching questions and got my daughter all upset, but ,necessary I suppose as they have to be thorough, and probably deal with a lot of dodgy situations.

But finally got their pack a couple of days ago, and during the last tel con we were told to send various papers and copies of all the debtors letters in the supplied stamped addressed envelope.

Non supplied , so phoned up and was told they don't supply one any more?. well its still mentioned in the enclosed O/R letters doh!!

Just copying all to send off.

And just to finish after we had the agreement from the IP to do the B'rupcy, we cancelled the direct debit, could'nt see the point of paying the IP anymore, they've had almost all their costs and only done 1 years worth of admin and that need pushing along by me all the time.
Days later we had a letter from them agreeing the B'rupcy and canceled the Direct debit also, then on the day of the Court got a letter from the IP complaining about the last payment being missed, phoned them up and they said sorry automatic letter !! will sort it out. 2 days ago another letter making theatening comments about not paying up !! phoned again.. oops another sorry.

All minor probs but they all just add to the total agravation.

In my last job, before "semi retirement" I was a Principal Auditor for lloyds and in the position of inspecting and auditing major internation companies systems of work all over the world, and I do wonder how some of these institutions/companies actually keep going and who actually checks them out....OOPS rant over !!

take care all..
C.

[kallis3]

Ceedy, nothing seems to have gone smoothly for you and your daughter does it? Not even BR!

It does seem that right hand and left hand are having some communications problems!

It has to start getting better soon - I think you are remarkably cheerful considering!

[Ceedy]

I never really get a downer about anything.. just look at it as a challenge, but then its not my debt!.

She takes care of the worry while I just get even !

Well, so far now , we 've sent off all the papers wanted by the O/R.
He has suggested that the bills for the 2 mobile phones, 1 the partner ran off with & we had it locked out .
But then dear ORANGE! despite the situation would not let her out of the contract or even downgrade it. ( was £50 per month),So thats backfired on orange as the O/R told her not to pay it anymore and added it to the debts.
And It seems I finally got throught to the bank as they have agreed not to freeze here accounts.
No to get through Xmas and see where e go from there .

take care all

C.

[kallis3]

You're on the right road now Ceedy, it all seems to be slotting into place.

Orange did themselves no favours did they? Well they have lost out now, perhaps they will be more helpful with someone else in the same situation.

Good news with the bank accounts as well.

Hope you both have a great Christmas.

[Ceedy]

Hi, been gone a while, as it all sort of seems to be pottering along ok??.
The OR has been very quiet, they've been sent all the needed paper work and we've not heard anything much other than that all my daughters income tax has been stopped and its all going to the OR. no other payment/plans been mentioned so far.

Again we rarely speak to the same person at the OR, so continuity as before, I'E none ????.

On another note since the B'ruptcy in NOV, all the creditors have stopped bothering us.. in fact to only nusiance letters we get are from the IP.. happy to name them ..Blair Endersby.

Ever since they agreed to the B'ruptcy , stopped the direct debit and sent letter confirming it all, they persist in sending moaning letters about missing payments, slightly threatening letters about breaching the IVA, more letter about missed payments and ,letters complaing we 've not sent off latest income info for the yearly assessment ( this was in fact done early in NOV to help with the b'ruptcy background at Blairs suggestion , and today another letter stating we are 3 months in arrears and they are going to make an official notification of breach. actually we are 5 months since payment was stopped.

I've contacted Blair on every occasion and they apologise say they can't stop the automated letters ?? why not ?

Who can we complain to now ?..

If you look at face value of the sequence of letters and communications throughout the IVA it would all lead one to think that BLAIR have been seen to have performed perfectly when infact the opposite is true and they have been pretty inept at managing the IVA at all unless managed and pushed from our side, they only seem good at taking a regular payments.

They failed in most other areas..
Getting the payment plans all wrong, ignoring major income variaton info , sending out incorrect letters, and again always having to speak or write or email a different person each time .
Also when we reeived one of the few correct letter, IE statement of payments and costs, its nicely strange that all of their costs exactly match to the penny the payments made, especially as we stopped it all in mid stream.
IE, the creditors recieved nothing throughout the IVA.

take care

C.

[kallis3]

Nice to see you again Ceedy.

What a pain that Blair Endersby won't leave you alone. I don't know why they can't stop the letters. You should no longer have an account with them now.

They do post on here, so hopefully they will see this post and come back with a reply.

[MelanieGiles]

Let's hope that the Blair Endersby representative on the forum sees this post and helps to sort this out. It is ludicrous to be told that they cannot stop standard letters from being sent to you.

[molly16]

Hi,
This happened to us when we enterd our iva . we just kept sending the letters onto the ip . then one day we recieved a court summons , sent the letter to our ip and let them deal with it which they did. it was about 15 months in when everything stopped, no more letters . kept getting told it was a glitch in the system, but the system is only as a good as those who operate it . hope everything gets sorted out soon for your daughter and for you .