What a shame that you do not feel that your are getting support from your IP, at a time when you most need it. It might help if you try and speak to the IP directly, as they may not be aware that their staff are being unhelpful.
With regard to the balloon payment, this is something outside of the ambit of your IP, and discussions should have been held with the finance company prior to the IVA being proposed. I know that this does not help you now, but it may serve as good advice for anyone in your situation who is currently contemplating and IVA and has a car on a similar finance agreement.
I am sure that the IVA can be saved and your job left unaffected.
I am sorry to read that you are unsatisfied with the level of service provided. Please contact Adam Boys or Sharon Cheers who are members of the management team at Harrington Brooks IVA who will be best placed to help you resolve the situation.
Sorry to read about your problems - hope you manage to get things resolved - please keep us posted on how you are doing.
Best wishes,
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.
If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com
If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
Please help. I started my IVA 05-05-05 and was paying 250 a month, i couldn't cope with the payments and creditors agreed to lower them to 200 but extended it for another yr. I have 18 months left and im needing to lower them to 160.00 but dont want to add anymore time on, if i pay it all i wont have had a penny written off. Im pregnant and wont have the money to pay once the baby is born so need the payments to end may 2012. What can i do ? i dont want to fail as ive come so far, if the creditors agrred i would only have 720 written off. Im with Harrington Brooks and they are not returning my calls or emails. Best bit is I also need the standing order details again as my bank has cancelled it due to changing hands.... Please help
Hi Mary and welcome to the Forum.
Given your circumstances it may be best if creditors accepted what has been paid to date as full and final settlement. You have complied with the IVA and shown intent to pay so contact your IP and I am sure he will be able to help.
David Rankin who has posted above is the IP at Harrington Brooks and has given people to contact. Ring or email them and hopefully everything will be resolved.
I have just posted as shown below and someone has advised me to speak with you as due to my circumstances the creditors may accept the payments i have made as a full and final settlement. I am with Harrington Brooks
Thank you
Please help. I started my IVA 05-05-05 and was paying 250 a month, i couldn't cope with the payments and creditors agreed to lower them to 200 but extended it for another yr. I have 18 months left and im needing to lower them to 160.00 but dont want to add anymore time on, if i pay it all i wont have had a penny written off. Im pregnant and wont have the money to pay once the baby is born so need the payments to end may 2012. What can i do ? i dont want to fail as ive come so far, if the creditors agrred i would only have 720 written off. Im with Harrington Brooks and they are not returning my calls or emails. Best bit is I also need the standing order details again as my bank has cancelled it due to changing hands.... Please help
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