Hello we have been in an iva for 4 years 2 months september 2011 my husband was made redundant but with the £2000 redunandancy he asked if he could go self employed which was all supported by Freeman jones he bought a car for £1000 and a went on a course free of charge to learn tax and insurance and what to hold back on all earnings i was still in full time work this was then until september 2012 i was made redundant we called iva to confirm this they said if we wanted to have a break we could but we didnt we told them i would get redundancy so we would live on that they knew how much we had a we banked with Think Bank several phone calls were done we were asked to send in payslips and any letters of redundancey p60 p45 ect these were not asked for until end of january this year full copies of all money earnt by my husband I got a temparory job in November them a full time one in December money stated coming in from me again end of December the redundancy money helped pay my husbands side of bills and Iva as being self employed the wage is never confirmed Freeman always supported us on this they never said or asked for redundancey monies to hold as they knew what we were doing now they have sent out of the blue a letter of breech of contract we have not earnt more we have brought into our home less but still carried on living just we have not defaulted in any payments with our morgage iva house hold bills ect i have tried calling Freeman but it just goes to voice mail all the time left several messages still waiting on reply on what to do as panicking now
If everything was done with their agreement I cannot see that a breach has occurred. Several Freeman Jones experts post on the forum and hopefully one will pick this up and assist.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
This matter is best left to your IP to sort out for you. Hopefully one of the FJ representatives will spot this tomorrow and invite you to contact them. Seems odd that you have left a number of messages and had no response.
I am sorry that you weren’t able to get through to your Relationship Manager and that our letter caused you concern. Without looking into your IVA in more detail it is hard to say what’s going on here. Please can you email me your Freeman Jones reference number to Steve.hewitt@Freemanjones.com, so I can look into this for you.
It sounds as if we need to start from scratch with a complete review of your situation and all the various changes in circumstances you and your husband have had throughout your IVA. That way we can look at ways to help you to complete the remaining term of your arrangement.
Thank you
Steven Hewitt - a member of the team at Freeman Jones
Could you possibly have noticed by now that debtors post half truths on this forum expecting you to cave in to their unreasonable demands or risk bad publicity? This thread commenced on the 9th June - Why did you not point out Freeman Jones (and most of the civilised world) are not open on Sundays to accept phone calls?
