how does this sound?

[bluey875]

i rang my ip last week to explain that due to my wife and i both having had to change our jobs since the iva started and we have had to accept a reduction in wages,that we were looking for a variation.i was told that no,this was unlikely,despite us paying in over the minimum figure.so i asked what would they recommend ? they didnt know,the person i spoke to would "have to speak to mr X and get back to me".she didnt, so i rang to be told that they had put the proposals in writing and posted them to me,oh well if you must [V]
today i recieved a letter and attached to it a form rx1 with the instruction to sign it and return it asap ,ie within 7days.its for a restriction to "disposition of title" wot the 'eck? so much for a proposal,discussion and explanation.i'm really losing my rag with my ip and i may just go BR to spite them.they have been no help EVER ,and never reply to emails or return calls and make me feel like a naughty schoolboy when i ask questions.could someone please explain what is going on? whats is this for and what does it mean and should i sign it?

[Moneystinks]

Hi there, I'm sorry I haven't got a clue either but I hope you get the answers you need soon, an expert will be around soon and hopefully be able to shed some light on your predicament.

Try and keep your chin up everyone on this site are really nice and genuine - a godsend!

x

[bluey875]

Thanks marie,
i really wish i had never used this firm for my IVA,i never liked dealing with them,i didnt feel they were thorough enough and it looks like i've been proven correct.
something else which got up my nose was the "6 month review" which happened at 9 months [:0] where they failed to notice our salaries had reduced significantly,their excuse was "well we only do it to see if the paperwork is in order" when asked if they read it ,they replied "no" WHY DO A REVIEW THEN?

[animaleyes76]

Sounds like a nightmare bluey. Which firm you with out of interest? (

[bluey875]

TH associates fwiw

[Adam Davies]

Hi
A large reduction in income may put your IVA at risk.When your IP proposes a variation it costs them money and they maynot get that back.
How much are you paying at present,what is your total unsecured debts and how much has your income reduced by
Regards

[bluey875]

currently we pay £300 pm ,i'm not sure about the other figures but the difference between incoming and out goings is -£170 .we have canclled just about everything we can,mobiles,life insurance etc and we are still this much over.if we go on any longer we will start incurring bank charges which will only make matters worse.i thought an iva was to help us get out of debt,this seems to be pushing us back into it ,just in a dofferent way
do you know why i have recieved this form and the "disposition of title" application?

[MelanieGiles]

The form should have been issued to you when the IVA was first set up. It is a form which allows your Supervisor to be alerted to a sale of the property - which may be in contravention of your IVA terms.

At the end of the day if you cannot continue with the IVA payments as they were set, and your IP refuses to allow a reduction (get this in writing from them with the reasons why) you may have to consider other options such as bankrtupcy proceedings or a DMP.

[bluey875]

well,there has been some progress if you can call it that.sorry if i sound negative but its how i feel a lot of the time now.
the ip company called me back about 30 mins ago.the call went something like this.
why have you sent me an RX1- don't know
why now? -dont know
why not a year ago when the iva started? dont know
what does it mean?-its in your proposal
what if dont sign it? -dont know
why didnt someone phone or write to explain it? -dont know
why cant i speak with someone who knows the answer ? -dont know (yes really!!)
what are the implications of an RX1? -dont know

need i go on?
suffice to say i have so much steam coming out of my ears i'm half expecting fred dibnah to rise from his grave and pop round for a looksee [:)]

they readily admit that they didnt check the firgures during the review and even then they failed to notice the missing RX1,its only taken them 11 months to realise its missing.[V]

am i stuck? what can i do? its getting hard to remain polite and postive,certainly if it was a plumber or a garage i would have taken my business elsewhere a looooong time ago.

[Moneystinks]

I hate it when I get people who don't know and who are not willing to find out or help you find out!

I hope you get a more positive service soon.

Try and do as Melanie says and get things in writing. I personally would write a well worded letter explaining your frustrations.

Good luck and try to keep calm...

xx

[ianmillington]

My god! Anyone remember Spitting Image where they portrayed John Major and (I think) Norman Lamont answering "dunno mate!" to every question they got? That's what springs to mind here I'm afraid. If that is an accurate reflection of your call, then it would seem that the person to whom you have been speaking is totally out of their depth.

A common answer to problems such as this is to e-mail the IP personally. In your case I believe it will be Tim Hargeaves. You can get his e-mail address from the "Find an IP section" at www.insolvency.gov.uk. It is incumbent upon him to display a far greater interest in your situation and if you communicate direct with him and alert him to the problem you are far, far more likely to get some action. A good strategy would be to make your e-mail conciliatory , but nevertheless let him know your concerns but emphasise that you would like to resolve them. That ought to encourage a constructive, rather than a defensive, response and maximise the prospects of a solution, which is of course the aim.

HTH

Ian

[MelanieGiles]

As Ian has already suggested - a sensible chat with your IP ought to produce a sensible result.

[bluey875]

i'm sorry to report that all is not well in the bluey household.
i have been trying in earnest to try and sort things out but i feel as if i'm banging my head against a armoured plated brick wall.i have spoken to the IP who did make a few suggestions,none of them really answered the issues i had.i have asked for various figures to be put in writing and got sent gobbledegook.i have asked for a variance in monthly repayments and was refused straight off ,point blank,no.i asked for it to go to the creditors as an official request and if it was refused i wanted the reasons in writing.not too difficult or so i thought.today i recieved a letter giving me two options, drop the price of my house and sell it (which i have been asking for ,for six months and have been refused) and any shortfall will be added to the iva and my payments go up, or hand the house back to the mortgage co. they sell it at a loss and any shortfall etc etc.
i cant sodding win can i? all i want to do is reduce my monthly repayments to something affordable,at the mo i'm minus £170 at the end of every month.the bank charges are adding up and the pressure is getting to me BADLY, i keep losing my temper and nearly hit someone the other day after they nearly caused an accident,my wife pulled me back luckily.
where can i go from here?

[MelanieGiles]

Can I suggest that you have a chat with Paul Johns who is a regular forum poster. Paul runs the assistance company, Reviva, and offers impartial advice to clients who do not seem to be seeing eye to eye with their IP provider. Often the difficulty is one of missed communication, and Paul has a great talent for bringing both sides together in sensible discussion.

Definately worth a try!

[bluey875]

Thanks for the suggestion Mel,you have been a great help but unfortunatly i have all but decided to go BR.two things happened recently,one i spoke to my ip who admitted he can do no more to help us,a variation is out of the window as we cant pay enough in to satisfy the creditors and some allegedly 'new' creditors have surfaced despite us telling the ip about them 12 months ago, and secondly on wednesday evening i had to have our car,spot, put to sleep as we couldnt afford the treatment for her kidney complaint and we had been forced into cancelling our pet insurance when things got tight.that REALLY hurt as it could have been prevented, and i just cannot forgive the IP and his colleauges for mis administering our IVE from the outset.