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[harmony802005]

hi there
i am posted on behalf a family member,i have a question if anyone can help me with it,my family member has been in a debt program since last november everything was going fine and then about 1 month ago she found out she was in an iva program the problem is that she was fine paying the debt program so why go onto an iva?also is there anyway u can get out of an iva program and go back to the debt program which she was happy with as she has less money know as where the debt program she was happy with,hope someone can help as i cant find it anywhere if she can go back to the debt program or not thanks harmony xx

wat can i do !!

[aguise]

Hi Harmony
You cannot have an iva unless you agree to it, it is quite a detailed procedure with a lot of communication between company and debtor so I do not understand how they can be in an iva without knowing it . It cannot be done without full agreement of the debtor. Are you sure they have not just been advised to go for an iva rather than a dmp?

Ang

[harmony802005]

nope she was deff in a dmp as she has been paying them since nov but now she is in a iva is there anyway she can get out of it and go back to the dmp she is just really confussed about it all thanks so much for ur help i appricated it

wat can i do !!

[Storm]

Who has handled the DMP/IVA ??

How have you confirmed she is in an IVA ?

[BECKY]

I started on a dmp first while i was waitin for my iva to be accepted, are you sure this is not whats happened to your family member, only there is a lot of paperwork to sign regarding an iva and then conformation of the creditors meeting , which they must have signed and sent back to get the ball rolling.

[MelanieGiles]

Hi Harmony

Entering into an IVA is quite a lengthy and complex process, so I find it hared to believe that this has been done entirely without your relative's knowledge. If they feel that the IVA is no longer appropriate for them, then they must discuss the implications of this with their Supervisor as a matter of urgency.

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

[harmony802005]

she had all the pappers come though the other day as i said she has been with her dmp since november but thay didnt start to pay off her debt so she has no incurred more debts anyways that is another story all together and then she finds out she is now on an iva and she is just wondering how to get off it and go back to the dmp,i think that something is going on personally but she is in a right state at the mo and paying the dmp was alot better for her she did have a phone call the other wk but she never said yes she never said anything really just listening to what thay was saying she was with gregory penington now with freeman jones i am just posting on her behalf to try and give her some information on what to do,so if she was to come out of the iva there would be implications even though she wants to go back to the dmp.

To becky nope she signed up for a dmp and that was it and she has been with them since november i just think it is all getting to much for her really also she has just recieved some papers to sign as well.

Thanks for your help i will be passing it on to her tom as she works nights xx

wat can i do !!

[aguise]

Hi Harmony
Gregory Pennington are a debt management company they do sometimes advise that an iva is a better option for some as it can be. Freeman Jones are a sister company of gregory pennington and they deal with iva's. They cannot change a dmp to an iva over the phone and if in an iva your family member must ahve been aware and signed papers had a creditors meeting arranged and then agreed to the iva and signed the proposal. I am with Freemnan jones and cannot fault the service they gave me also they send someone out to talk you through the proposal in a face to face meeting so this seems very confused. Are you positive the iva is agreed not just being suggested as a better alternative. If agreed there must be a proposal and they will have an account manager to deal with at freeman jones.

Ang

[aguise]

Hi again
Just to add see your friend and have a look at the paper work she has and see what the situation is. Understand about the nights going on one myself in a bit. Tell your friend not to worry everyone will help to give advice and find the right solution.

Ang

[MelanieGiles]

Hi again

It may be that the DMP company have suggested that she may be better off with an IVA and have issued her with draft proposals. Perhaps this has led her to believe that she is in an IVA. I don't think that she is, but ask her to ring the DMP company to clarify the exact position.

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

[BECKY]

I hope she gets it sorted sounds like shes got a good friend anyway

[Skippy]

Has she checked the Insolvency Register - http://www.insolvency.gov.uk/bankruptcy ... search.htm - although it says bankruptcy search anyone with an IVA is also on it.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[harmony802005]

hi there just to say i have spoke to my family member and she has deff not meet the ppl from the iva,i think she is going to go to the cab and get advice thanks very much for all ur help and she is deff in an iva which i think she is going to carry on with as she recieved the pappers the other day all she has to do is sign it and send them off she has found out that the iva has had a meeting with her creditors which she never knew about but it has really just got to her that now she is just going to go with it thanks for all ur help much appricated x

wat can i do !!

[aguise]

Hi Harmony
Glad to hear you sorted it out the thing with the iva at least in five years it will be finished and no debt with the dmp it would have taken much longer and as you said it was not paying it off. Please tell your family member to ask any questions that she might have and make sure that she understands all the things on the iva proposal before signing. Just also tell her as said before I am with freeman jones and cannot fault my treatment by them so far.

Ang

[MelanieGiles]

This post is bizarre (no offence to the original poster) and rather dangerous. How on earth can someone have entered into an IVA without their prior knowledge?

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