IVA Council etc

[Emily]

I have seen a specimen of the IVA council letter, the IVA council are also been copied and these other surrogate organisations are also saying -"you maybe missold a IVA and that you need to ring" 0871 primium rate) phone line to get 24 advice.

As to "encouraging people not to pay IVA" I think people are smart enough to decide and we don't have to agree it.The IVA council maybe a front to make money thrown at 'bad money' as they might say but it is not illegal.

There are cowboys everywhere.The biggest bunch are the Banks - a citation of W.Churchill's famous tribute but applicable to the banks would be -"never have so much damage been done by so few and paid for by so many including those on IVA and BR"

[Cybus]

An interesting fact, I have just this minute discovered ...

The IVA Council website, first registered in October 2007, was registered to a certain individual. That same individual has also registered two other sites ... bankruptcy.co.uk and thedebtexchange.co.uk.

Now that piece if information Kind of fits in nicely with my thoughts here ...

http://www.iva.co.uk/forum/topic.asp?TOPIC_ID=11003

I would take this opportunity to urge everyone who has been contacted by any of these 'organisations', to report it to their IP.

Let's see what the IVA Council's senior QC's b_lls are made of!

[ianmillington]

Cybus, I had missed the post on the other thread you referred to, but could not agree more with what you say.

You will be interested to know that I have just had an e-mail from the BAS who have been consulted by someone who had had a letter from IVAC. The view of BAS does not appear to conflict with ours.

This is gathering momentum, I do indeed believe, and this ongoing debate can only help.

Ian

[Adam Davies]

Hi
That individual is a Mr Sean Mason
Regards

[jill109]

We too had letter from integrity, only it was a good thing for us because it opened our eyes to what we should of been advised of in the first place, and now a letter from dfd where we have it in writing that they never advised us of our options and just put an IVA in as they thought it best, and didnt think we needed to know other options.

[sillymoo]

I'm shocked!

[TheMatrix]

Another letter today from the IVA Council, thank God I got to it first as it was addressed to Mr SURNAME. Anyone in the house could have opened that letter and found out all my details that I have kept secret.

These people should be put out of business. Very unprofessional for them to not put my full name in the address part and put it in the body of the letter with all dates, ip's and court.

I am Disgusted with the IVA Council who still make out they are "GOVERNMENT LICENSED DEBT ADJUSTERS" who advise that I should NOT INFORM MY IP about making arrangements with them.

Well even if I was better off under BR, I'm not now as I've paid in for over 2 years, so would not even be worth contemplating. DON'T THEY GET THAT BASED ON THE DATE OF MY IVA !!!!

IVA Council stop writing to me, and if you do PUT THE FULL NAME IN THE ADDRESS PART to avoid anyone else finding out who should not know.

[ianmillington]

You couldn't do me a favour could you? Could you do a copy of it, and tippex out all personal references to you and then scan it and e-mail it to me? I could do with seeing for myself exactly what they are saying.

Hope you can help. If you can, the address is ian.millington at the pdh address shown in the link.

Ian

[TheMatrix]

Ian

I have sent it to you on email

[ianmillington]

I've got it, thanks very much!

[MelanieGiles]

You mean you haven't had the delight of clients ringing you to say they have had one, Ian! You must be on the good guys list!!!

[ianmillington]

I suspect that because my company is relatively new and, as a result, I don't have too many cases as yet, I'm not yet on the radar. This thread might put me there though!

[aguise]

Now you have seen a copy of the letter Ian what do you think.

Ang

[Cybus]

Another letter today from the IVA Council, thank God I got to it first as it was addressed to Mr SURNAME. Anyone in the house could have opened that letter and found out all my details that I have kept secret.

These people should be put out of business. Very unprofessional for them to not put my full name in the address part and put it in the body of the letter with all dates, ip's and court.

I am Disgusted with the IVA Council who still make out they are "GOVERNMENT LICENSED DEBT ADJUSTERS" who advise that I should NOT INFORM MY IP about making arrangements with them.

Well even if I was better off under BR, I'm not now as I've paid in for over 2 years, so would not even be worth contemplating. DON'T THEY GET THAT BASED ON THE DATE OF MY IVA !!!!

IVA Council stop writing to me, and if you do PUT THE FULL NAME IN THE ADDRESS PART to avoid anyone else finding out who should not know.

That's a cracker. The only possible information that they could know about and present to you in the knowledge that it would be 100% correct. (Because it's given to them on a plate) and yet they even managed to even get that wrong.

As you have probably gathered, despite their claims to only target IVA factories, they gather information, (albeit information that they have now demonstrated they are incapable of correctly processing) from a trawl of the EIIR.

Not to worry Ian ... I'm sure that one of your debtor's - I shall stick my neck out and predict their name - 'Mr Surname' will eventually be captured in that trawl net. Please don't feel too left out [;)]

As to those receiving the letters ... you know from the previous posts on here what to do with them.

[ianmillington]

Actually Cybus, the recipient is not one of my clients- however, if Melanie's clients are getting them it can only be a matter of time[:)]

The letter is interesting, I'll give it that.

I will be suitably careful as to how I comment on this, given the public nature of this forum. It gives enough personal information (name and address of debtor, IP firm, date of approval and the County Court Concerned) to make the uninformed person think that they actually do have information to suggest etc. It also infers that they, unlike other firms who may be making the same claims, have some form of authorisation to do what they are doing.

At one point the letter says "These IVA Factories are offering only IVAs as debt solutions and are not exploring any alternatives". Given that most of these "factories" also have debt management and remortgage departments I have my doubts on that being the case, at least nowadays. It makes the direct claim that if you don't own you house or have assets to protect then it is "likely" that it has been missold.

It opens by stating "The IVAC has noted a pattern of inconsistencies that may indicate that you have been mis-sold your IVA" (note use of the word "may"). If this is the case you may be entitled to recover some or all of the payments that you have made so far. If you have been mis-sold an IVA then you will no longer be required to pay your monthly payments".

What it doesn't say is how the debtor goes about getting the money back. In fact there is currently no legal mechanism for it. The proposal says what will happen in the event that the IVA comes to an end. What it also fails to point out is that if the debtor follows the IVAC preferred route of Bankruptcy, if by some miracle some money were to come back it would have to be paid to the OR.

I'm not sure about what they mean about "Government Licensed Debt Adjusters" either. Presumably a Consumer Credit Act license.

Certainly the letter would appear to be suitably worded so as to create an effect.

Ian