IVA completion farce still going on.

[Poppy1]

I think I might be resigned to the fact that I am nowhere nearer getting my certificate yet. The good news is, Judith is making my case a priority (probably because I'm being Ms hellfire at moment). The bad or rather annoying news is they seem to have messed up with trying to include one of my student loans that they shouldn't have in the first place. Apparently, after my last email exchange, Judith got an IP to review my case. He said one of the student loans will survive the IVA as it is income contingent (ie earn above £15k and you pay it back). Well...I told them this over 5 years ago as well as that my earlier student loans were of a different type/threshold. Besides this, I said at the time that you couldn't go bankrupt on student loans etc. but they deemed fit to include some and not others.

Now...I'm told they have to hold a meeting with creditors to exclude this debt because they can't do it retrospectively. Then they will send my file to repayment plan team.

Well I'm furious a) because presumably they could have investigated this 5 years ago. b) I have now resigned for the end of the summer to take up my full time course so there won't be repaying anything to anyone this year until I qualify and get back into work (plus the income contingent loans are taken directly from your wages - I know because one has been all the way through my IVA (this was excluded from the IVA at the time for whatever reason the ip had in his head that morning). C) whilst the legislation may have been mildly different regarding student loans back I'm 2007...why did they bother including them whilst simultaneously advising me I'd probably have to pay any balance anyway.

Will this make it take longer to finish and get my certificate? Will I have to pay for every emailed "letter" my supervisor writes (even if they don't bother to post it). Will they charge for meetings? I don't have any more money to pay them. Especially when they seem to have ensured their own costs were extracted first before my creditors and not happened on a key piece of information about a particular loan that they should have established from day one.

I think my IVA was arranged by a pack of penguins. Not people who presumably had enough and more education than myself to be able to make sense of reasonably simple facts. It's not like I had anything complicated in my IVA like a house. I think it would have been better to have gone bankrupt. I'm treated the same anyway but I could have been discharged a lot sooner than all the rubbish I'm having to deal with now. (I know life could be much worse but really, why are they waiting until now to realise all their mistakes).

I wouldn't recommend DFD anymore.

Rant over. Sorry for whining again. I'm probably overreacting. I just have everything planned and prepared well for the immediate future and don't want anyone or anything to mess it up this time.

[Poppy1]

I know I'm ranting but it's been a long old haul and through it I've had a long term relationship break up because of the strain (amongst other reasons - he's no real loss) and been/being treated for depression for the past couple of years so I want that certificate more than anything. For me (and probably others can identify too) it signifies that I can be proud of myself again and that I've rectified a problem it's a fresh start for me and I've made sensible plans. So I am getting worried and upset at all these delays (including the EIF rubbish) because I'll still have to deal with repairing my credit file and I want to just rest by the end of the summer so I can focus on my course and getting my qualification so I can hen have better opportunities.

[MelanieGiles]

You are asking a lot of questions there Poppy1 - most of which can only really be answered by your own IP. Try to look forward, rather than back, and let's hope that Judith can work her magic for you, as she has done for others who have recently posted on the forum.

[orchid5]

Hi Poppy so sorry to hear that you are still having problems and some of them should've been sorted out a little earlier than now, let's hope that Judith can sort this one out for you and sooner than later.

I too won't be recommending this company as I have found them to be rather unprofessional, apart from the one and only employee whose shoulders everything does seem to fall on! I have since getting my CC found yet another discrepancy which I have queried and will hopefully get a satisfactory answer next week, although it galls me that Max recovery knowing and confirming it themselves that I have completed, reached a 100p in the pound, have seen fit to send the surplus monies they were sent, back to DFD!!!! This has now got me thinking they may well have made other mistakes as this is number 2,Words fail me!

Good luck Poopy, keep up the pressure and hopefully you will soon have that all important document and be free. xx

[Poppy1]

Thanks Melanie and Orchid. I really am moaning and being excessively grumpy at the moment (being ill doesn't help). Hopefully Judith will be able to and she does seem to be on top of things so I should probably cut her some slack. I will try to speak to her on the phone rather than emails. At the end of the day if they've made a mistake and have to sort it out that's fine but I really hope it doesn't take forever and not more than the projected mid June to get my certificate. I sound really impatient but I'm generally one of the most patient people I know (er...well most of the time) but once I lose patience I can be very grumpy.

Plus, I really just want to understand what's been going on with my student loans. If I know the status then I know where I stand and can deal with it.

Once you finish, do you get a list of how much they have paid your creditors? Each one? Not just grouped them all together?

I still wouldn't recommend them now as they definitely seem to have gone downhill quite a bit from when I first started. But hopefully they are sorting it out. Plus I suppose I have to come to terms with the fact that I'll have some aggravation trying to sort out the details on my credit file. It's uncanny that as soon as you come to an end of your IVA that you start getting invites to consider this or that credit card!! I just throw then in the bin now.

Orchid - well done on getting your certificate. 100p in the pound for Max recovery sounds amazing for them. Hope you get the return of money sorted. It sounds like extra hassle you don't need after all you've been through.

[MelanieGiles]

Yes - you will get a full list of who has been paid what so that you can check this, and verify it with DFD if necessary.

[orchid5]

Hi Poppy, you don't need to apologise for being grumpy as you put it, I was a screaming banshee by the time I had got what was rightfully mine, that's what happens when you become so frustrated with how things are being dealt with sometimes. At work i'm known as Miss Marple as I won't let things go until I have unravelled them, I should've been a police offer me thinks instead of a nursing sister lolol.

I received a breakdown of what was outstanding with my IVA prior to my variation meeting, the attachment with my CC outlined all the income and also the outcome but didn't break it down into who got what. I did query this initially as there was a duplicate debt, this was removed all going well, CC received, Monies that was mine sent back and then I got a statement from Max recovery with a positive balance on it, when I phoned them up they tried to tell me it was for statutory interest, they were politely informed that they had waived this in my variation meeting and copy of the term were sent in an email, so I got a standard letter stating they would look into this and the reply two days later was they had been in touch with DFD regarding this and sent them the balance! I now have to wait until business opens on Tuesday to find out what is going to happen to this surplus, my questions will be why was this sent back to DFD they no longer act for me, Max recovery told me that they had been informed that my IVA was closed, I'd reached 100p in the pound so to all intents and purposes and the way I see it that money should've been sent straight back to me, not DFD!

Right, rant over again, good luck Poppy and keep going you will get that all important piece of paper, hopefully very soon, keep us posted.

[Poppy1]

Well I spoke to DFD today and I've decided speaking to them is better than email back and forth. Less misunderstandings. I finally understand where we are. They are just holding a meeting to get this loan excluded because it can't be part of IVA. Then they issue my certificate. I have met all my obligations and there's nothing else for me to do/pay. I've been reassured it will be a matter of weeks not months. So I am hoping to put a happy post on here before the end of June...

Orchid, I hope you get the last matter resolved ASAP. I won't have any money due me, unfortunately I didn't reach 100p in pound but I think my creditors did get an above average return. So pleased about that.

Here's to no more screaming banshees and Ms hellfires.... Xo

[orchid5]

<<<<<<< laughing.

I have to say that the last 8 months have been a trial to say the least and I have seen myself in another light which I didn't like very much, that has now resolved.

Good luck Poppy that sounds very promising and hopefully with Antoinette at the helm now things will be much better.

[slushysnow]

Quote ve been reassured it will be a matter of weeks not months

Thats still the same as fobbing off when they say weeks they mean months hence plural of weeks What you want is a fixed date
Also people saying they have completed the IVA in there post but they have not until they get the CC scrawled letter in their paws I have finished paying but I am stil in the IVA coming up to 9 months soon We are making them look good when they are not