Please Please help me

[coco]

Have you had a date for the second meeting yet, If my meeting had been 3 weeks earlier my orginal proposal would have been accepted at 23p in the pound. But Northern Rock had changed the policy to only accepting 45p in the pound which is when my problems had begun as stated in my previous post. The only clause was that i had to obtain 2 valuation reports within 6 months after the IVA apporval and the equity was to be used in my 4th year i was told by synergi to count myself lucky as a new creditors was asking for a valuation report to be conducted in the 4th year and the equity gained was to be used. My budget is so tight that every pound has to be counted, my family are now living below national limit so i am not sure if the IVA was right for me and i am too backcrupcy

[scaredkez]

they told me no point in having 2nd meeting which would have been the 28th dec, as they contacted black horses voting house and they would not change their mind, wouldn't mind i have contacted northern rock this week to explain why i haven't paid this months mortgage as saving up for BR and they have given me reduced payment this month payment holiday next month and even offered me a loan!
kerri

[Dominic]

Maybe Synergi could be made a case study by IVA-TV?

[scaredkez]

it would be a nice idea dominic, as everyone i know on here who has had dealings with them certainly don't have a good word to say about them, in my letter i have sent i have asked why it took so long and a break down of costs etc will of course let u all know what the reply is.
kerri

[Dominic]

Kez maybe you can document everything that Synergi done to you and present as a case study?

[admin]

Hi Kez, we are happy to have you on IVA TV as a case study. We will contact you on monday to arrange a filming date.

[MelanieGiles]

Guys

If any of you have a real complaint about the level of service you have received from an Insolvency Practitioner, you can make a complaint by writing to their regulatory body who will investigate matters on your behalf.

If the complaint is upheld, it may stop people in the future falling foul of malpractice within my profession. I can provide details of the regulatory bodies if anyone needs this.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
View my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[iva.com]

Dear Scaredkez, thanks for posting on IVA.com, your reivew has received over 700 viewings and may have helped warn others away from the company which provided such a poor service. If you want to have a look at your review, it is here:
http://www.iva.com/iva_review_detail.iva?r=25

IVA.com - Regulating the IVA industry by using customer feedback.

Please rate your IVA company or Insolvency Practitioner by reviewing them here: http://www.iva.com/submit_iva_review.asp

[scaredkez]

i am more than willing to do a case study if it helps others not to go down the road i did, i am waiting for a reply from them in regards to all the paperwork etc and i am considering reportiong them as we were very vulnerable at the time. what gets me now is how can they offer a DMP when in the first instance they said it was no option for me because of level of debts, nothing has ever been mentioned about my husbands iva either, so when i get the information back iwill let you all no
kerri

[coco]

Hi Kez,

I hope things work out for you, i may be too following you through the bankcrupcy stage.

Take Care.

[DebtDummy]

I used the Debt Counsellors located in Borehamwood. They sent me the I&E to fill in. No money was requested at that time. They passed it on the IP case manager and a draft was made. No money requested at this time. After reading Kez and Coco's posts, I am abit nervous. IF my hubby and I get the IVA rejected will/can they bill us the Nominee fee? It does say in the draft we will owe nominee and supervisor fees if the IVA is successful. So, if we loose, we do NOT pay. Correct?

Thank you all for answering.

All I have left is my humour.