I take your point Lifenoteasy. While I am certain the intention was always an explanation of their decision, perhaps there was a bit much information. It did help me though!
There is nothing in my response that can identify the client to anyone outside of Harrington Brooks and not much more detail than that already posted by the client themselves, who had already disclosed their own and their wife's salaries. I was able to identify the client internally and deal with his query because my team are familiar with his request and were able to identify him from his own post. No confidence has been breached. I am a data controller myself and my staff are bound by client confidentiality and data protection.
I, personally, appreciated David's thorough response and can see no breach of confidentiality.
As said there is nothing to identify the individual and only HB's familiarity with the case allowed them to identify the individual client from information he, himself posted on open forum.
I am well aware that some clients posting a question on here might not wish to be identified by their IP (though, if there is a problem, surely it is better for the IP to be aware of it)and these individuals must be mindful of what information they post.
My firm knew very well who I was as I had no secrets from them and, indeed, probably gave them information overload.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by David Rankin
I was able to identify the client internally and deal with his query because my team are familiar with his request and were able to identify him from his own post. .
I will think about it and maybe come back to the board in a few weeks.
It's not something that I want to lose contact with and potentially as I finish my IVA journey keep involved with.
I work in environments where the fact that you can put 2 and 2 together about individuals does not mean that you should and I'm really uneasy about what has occurred.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
Thanks for the reply David, much appreciated. I was expecting a phone call from Harrington Brooks. Here my income you stated as £3781 which is wrong. The average for last year was 2781. As I said there was lots of overtime last year. But my basic is under 2500 I have asked the reviewer to put this and 50% of any anything above 10% of this I will contribute to the IVA. But she rejected this. If I send my new payslips can this be adjusted ?
Regarding my wife's commitment I have already provided this in the beginning. I can forward you the email chain if you want. When I was applying for IVA my wife was on maternity leave and the very next month she gone back to Full time duty. Calculation on affordability of the payment was based on that.
As far I know normally IP can do a 15% reduction with out contacting the creditors. I was expecting this in my case. But the reviewer said she can't do any reduction and she is forwarding this to the creditors. As you said my creditors won't accept any thing less than £627. As my wife is changing her role to part time soon I have no other choice than an early settlement offer from my friend. Once again thank you for the explanation.
Many Thanks
I have checked my recent pay slip. My basic pay is just £2300. But Harrington Brooks calculated my pay as £2781. Which is absolutely wrong. Any Help Please.
On my payslip, my basic salary was one line and the extra hours showed separately. Cleardebt accepted that at review time and I had to pay the extra due on the extra hours.
I can understand them thinking it was your pay if it was one amount, do you have anything from your employer stating your basic pay? Ifnot, could you ask for one peperhaps saying you are looking for mortgage or pension?
