Further to my previous post, my correct e-mail address is:

andrew.wilkinson@accumagroup.com

Andrew Wilkinson
Insolvency Practitioner

Hello All, I can confirm that I have recently been appointed the supervisor of a number of IVAs previously supervised by Diane Dunion, who has left Accuma. As regards annual reviews, these generally coincide with annual reports, which must be issued within 2 months of the anniversary of the approval...

Hi Maizie The reason there are different responses is because not all IVAs are exactly the same, this is because creditors will have put forward different modifications. For further clarification you should really contact your IP or his office so they can advise you accordingly. Hope this helps Jane...

Hi Destiny We will consider all relevant information so, yes, you should give us the details of your new mortgage payment. If you were on a fixed rate when you started your IVA this should have been taken into consideration at the time. The level of information we require will depend on the specific...

Hi Destiny You will be sent an income and expenditure form to complete so we can review your current circumstances. We will also need to see your wage slips and bank statements and any other relevant information - please give us a call if you need the specific details applicable to your case. Hope t...

Please note that some creditors have modifications preventing PPI and similar insurance schemes.

Andrew Wilkinson
Insolvency Practitioner

AccumaGroup - A large insolvency practitioner service based in Manchester.
www.accumagroup.com

Hello

The Insolvency Service are aware of the IVA Council and I understand that they have taken steps to close down the website and investigate the organisation.

Jane Finch
Insolvency Practitioner

AccumaGroup - A large insolvency practitioner service based in Manchester.
www.accumagroup.com

Hi Richm As you are aware, Northern Rock and Blackhorse have a high rate of rejection for IVAs. However, there are cases where they do accept, although with modifications. You should speak to your IP about this for specific advice. Hope this helps Jane Finch Insolvency Practitioner AccumaGroup - A l...

Hi Poppy84 The best thing to do is be completely honest with your IP about this and provide all the relevant documentation or information they request. Once your IP is in possession of all the relavnt information they will be able to confirm the most appropriate solution to the problem based on the ...

Julie, The Official Receiver's office that dealt with your case will be able to tell you if an order or undertaking is in place. If there is, they should have provided you with a copy at the time it was made. Andrew Wilkinson Insolvency Practitioner AccumaGroup - A large insolvency practitioner serv...

Hi Julie, Providing that you are not subject to any bankruptcy restrictions order or bankruptcy restrictions undertaking, you can trade under your own name. Out of interest, what do you intend to sell? Regards. Andrew Wilkinson Insolvency Practitioner AccumaGroup - A large insolvency practitioner se...

Hi Fudge, Try not to worry. I agree with Andy and Melanie, things should be a lot clearer after your interview with the OR. I wouldn't do anything until after that meeting. Don't make any hasty decisions and remember to take expert advice if you need to. Andrew Wilkinson Insolvency Practitioner Accu...

Hi Helen Is £5000 your total debt? And do you only owe money to Capital One or do you have other creditors? If it is just £5000 to Capital One I would contact them direct and try to agree a repayment plan. Hope this helps Jane Finch Insolvency Practitioner AccumaGroup - A large insolvency practition...

Hi Barrym Your IP should have gone through ALL modifications to the terms of the IVA put forward by creditors and obtained your agreement to every one before or at the creditors meeting. They would also usually ask that you sign a list of the modifications or a copy of the record of the meeting. You...

Hi j.rs If you did want to seperate and sell your property you could try to vary the terms of your IVAs by offering the £20k equity in full and final settlement and end the IVAs early. This would require approval at a meeting of creditors. I recommend that you speak to your IP as soon as possible an...