in an IVA but I have had to give up work

[flozza]

Thank you Andy.

[flozza]

Hi there

If you open up the following link and type in your IP's surname I think that you will find the address you need.

http://www.insolvency-service.co.uk/newipsearch.htm

Please also remember that as insolvency practitioner we are presently very busy people, and do employ staff to help us with our duties. But we should never be too busy to deal with a client's query, especially if the standard of customer care further down the food chain is not up to standard.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[flozza]

Hi
I am sure that your creditors will wait until you sell.In an IVA the creditors get the bulk of their money towards the end of the IVA so it will make very little difference to them.Keep in communiction with your IP regarding your house sale and just pay the £10 as instructed.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

HI Andy,

I wonder if you can advise me. I've just had a letter from my supervisor saying ' Notice of Breach.' I am completely shocked,as I still have my house on the market and I am paying £10.00 a month as one of my supervisor's colleagues adivsed. I last spoke to them in October to keep them up to date and they said everything was fine. My supervisor's letter states that he did not authorise any deferral or change in payments, when his colleagues told me to do this and keep them posted regarding the house sale. I have emailed him a letter and posted letter too. What can I do now? Please help. Thanks

[MelanieGiles]

Sounds like an internal communication issue within the IP firm - do you have evidence of your discussions back in October and the name of the person you spoke to? The Supervisor has to supervise the arrangement in line with the terms of the proposal, and generally when you fall more than three payments in arrears this constitures a breach and the notice you have received needs to be served. This does not mean that the IVA cannot be varied to suit your changed circumstances, but you will need to ask your IP to call another meeting of creditors to see whether they are prepared to accept an amendment.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[flozza]

Sounds like an internal communication issue within the IP firm - do you have evidence of your discussions back in October and the name of the person you spoke to? The Supervisor has to supervise the arrangement in line with the terms of the proposal, and generally when you fall more than three payments in arrears this constitures a breach and the notice you have received needs to be served. This does not mean that the IVA cannot be varied to suit your changed circumstances, but you will need to ask your IP to call another meeting of creditors to see whether they are prepared to accept an amendment.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[flozza]

HI Melanie,

Thank you for your prompt reply. Yes, I do have copies of all emails and letters etc that I have received and sent. I also see that I have paid them the £10.00 per month as rewuested by them. There has been no other correspondence from them to indicate a problem with their agreement with me. I have emailed and printed off emails and sent a letter to him. I don't understamd why out of the blue they can say I have breached the agreement, when I clearly haven't. What would the possibility of re-mortgaing with the help of my mum the 30 or 29 thousand offer originally?

Thank you agian.

[Adam Davies]

Hi
You really need to speak with your IP,as Melanie states they can call a variation meeting to accept your proposal and will normally give you upto a year to sell your house.You are not working so can't really look to remortgage,at the same time your creditors will surely accept your offer of selling your house because you can't maintain your IVA payments.
Again your case highlights the problems with communication in larger companies.
Get hold of your IP,and send all letters recorded.
I do hope that you have proof that the reduced payment was authorised by a staff member and embarras your IP
Keep this forum posted

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[flozza]

HI Andy,

Thnak you for your advice. I may only have a written conversation or email regarding the reduced payment. I do however, have all times and dates of conversations and replies to emails from my supervisor's colleague. The company have always been terrible at corresponding with me, even though I have sent most things through recorded delivery.
My house has only been on the market for around four months. I'll call them tomorrow. I do wish that I had chosen a different company. I suppose it's too late to change?

Thanks again for your advice.

[Adam Davies]

Hi
An email would be enough
If the worst happens an your IVA fails then ou could look for another IP to propose a full and final IVA for you based on your house sale.
Do try and get DFD to sort this one out though
Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[flozza]

HI Andy,

Thanks again. Can you recommend an IP? If DFD decide that they are unable to resolve this situation, can I just close with them and start with someone else?

Thank you.

[Adam Davies]

Hi
You can't change IPs until your current IVA has failed,however I am sure that common sense will prevail and DFD will put forward a variation to your creditors.Try to keep focused on this and contact them each day if you have to.
I can't recommend an IP to you,I need to remain unbiased,however I'm sure that other forum members will.
Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[flozza]

HI Andy,

Thank you very much. I sent DFD a lengthy email yesterday and will be calling them shortly. Letter is also off this morning recorded delivery!

It may take them a month to respond!!

Thanks again.

[flozza]

HI Andy, I just thought I'd mention that my supervisor has still not replied to my email -I have checked and they have reeived my letter yesterday. I have wriiten him many letters for the last 5 months and never had a reply from him. Is this normal?

I said I will give them a few days to reply.

Thanks.

[MelanieGiles]

It is not normal for Supervisors not to respond to written correspondence from their clients. If this continues you ought to make a formal complaint.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Lisa2009]

My hubby was also with DFD. He tried many times to get to speak to his supervisor (Andrew Redmond)only to be told that he was a director and didnt take calls.
On advice from Melanie, we found his email address and mailed him.
Immediately hubby got a phone call, not off his supervisor but off someone who actually did know what she was talking about.
We used her email address after that and usually got a reply within 5 minutes.
Is it actually your supervisors email you have or just one for the company??

mrs skint