NEXT DIRECTORY

[MelanieGiles]

You have missed my point. I would rather my staff were spending time on not dealing with the incompetancies of creditors.

With respect to you, IPs spend a lot of time reminding creditors of the existence of IVAs which they have expressly voted in favour of. I would suggest that it is down to the banking industry itself to sort out its abysmal internal communications.

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

[neverending]

Agreed
But whats the way forward ??
How can a county court agree to bailiff action once an IVA is approved ?? Maybe this is where the system needs sorting,i:e once an IVA is agreed any action via a county court is flagged up so stopping the situation that poor leanne finds herself in.
Regards

[MelanieGiles]

Yes it would be much easier if personal actions had to be taken in the Court covering the area in which the debtor lives - rather than any Court the creditors likes. In this way, the Court could trace their own listing to see whether an IVA or bankruptcy is ongoing.

Also, it could be made mandatory that before a creditor is allowed to take any action, they must confirm that a bankruptcy/IVA check has been carried out. This information is readily accessible on the DTI website. Or maybe Courts should check this before cases are put in front of a District Judge.

I only have ideas - no power to change things regrettably!

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

[freelili]

When I had two similar incidents happen to me, I was in such a state, I phoned my supervisor (DMP) in tears and shaking, she phoned me back very quickly and I gave her the number of the baliff and the company, she sorted it straight away, although I was still scared nothing happened. I know I do not have the legal protection from creditors as an IVA provides but this was my personal experience and I was extremely grateful and relieved for the supervisors prompt action.

LILY

[neverending]

Well as time rolls on and this forum gets larger and larger then maybe it WILL eventually have an affect on the IVA industry
regards

[laleanne1]

Well i spoke to my company yesterday who advised they have recviced my letters and the court has been contacted so that should be the last of that, but two more creditors have sent final reminders through the post demanding payment, so thats another letter for me to forward to be dealt with.

I just cant wait for these five years to be up and then i can star afresh[:)]

l morris

[neverending]

Hi Laleanne
I can,t help feeling that your IP has not done something because to have one creditor chasing you after five months is unusual but to have another two on top of that tells me that something is not right.
I had none at all
How have others fared ??
regards