No good,complaint came back which advised the IP could consider F&F in relation to 85% of equity and so not call the meeting if not within this area. The whole industry is a unregulated scam, just like the banks were when just using the Banks codes of practice, means nothing.

longslog: I can't see in the T&C's about me requesting a creditors meeting to put my full and final offer forward, needing the backing of Mr Allen(IP). The condition below in my IVA: Part IX MEETINGS OF CREDITORS 19(2) If requested in writing by you, or by creditors with at least one-quarter in valu...

Kallis, there you go, stuck with it then. Another 18 months of this hell! The formal complaint I made to the regulator, can not force him to call a meeting, but just fine him. Not sure how this helps me or the creditors. Do you know how the creditors would end up with less by going down the extensio...

longslog thanks for your reply. Yes Phillip Allen is the IP and he basically said no to putting my offer forward and complain if I wish. It did cross my mind in contacting the creditors about my F&F directly. Not sure how to work the figures regarding the actual impact of taking FF £4400 to extensio...

Okay I've passed them one rejection letter from Norton Finance, but advised me they normally require two, but will speak with MR XXX (IP Man) tomorrow not in office. I then asked them if high street bank rejection letter would suffice, it doesn't state what lenders I should apply to in the T&C's and...

Just wondering if any one had any success in complaining or being able to convince IP to call creditor meeting or put forward a FF offer. It seems this industry just works under a code of good practice and is not legally required to follow them. Which I believe the banks use to work under "Banking C...

Update: The Conference call was just to see if I could offer more money in my F&F, that's all. Now they are insisting on me providing a letter that I'm unable to re-mortgage regardless of 2 mortgage advisor's saying it's not possible and the senior manager from IVA, agreeing on phone with me a few w...

Okay do we have any telephone numbers for solicitors or names?
Also any ideas why they want to chat now, after the IP made in quite clear on Friday that he was not going call a meeting for my offer.

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Lisa Thomas font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kallis3 You could always have a free half hour chat with a solicitor to see if they can hel...

Update: Just received email from case handler to arrange a conference meeting with her and senior manager. No mention of ip

You are right the stress and unable to sleep. Not good. Wished I never went down the iva route and remortgaged. The impact of iva not Cleary made to me at the start. Also I'm sure thus as impacted my job applications. Just sold after 5yrs debt free.

I've raised a complaint with the so called regulator, but as its only a code of conduct limited powers for regulator
. I,ve come to terms that i will be continuing for 18mth(12mth ext)..

I'm just in utter shock. I really thought the offer 4400 was fair and the creditors would at least be able to consider it and may have accepted it. I was also a bit surprised with the CAB advisor suggesting or seemed to agree why the IP would not accept the offer as unlikley the creditors would. Whe...

Spoke to CAB, just advised me to be careful. They advised the IP holds most of the cards. But if I feel so strongly he is being unfair, then to complain to regulator. If I want to insist on the creditors meeting. CAB women seemed to side with the IP in why accept anything lower than the 12 mth exten...

Okay complaint made to regulator. Although not sure what this is going to achieve. Reading what they can do seems pretty limited to me and guess this is why the IP is behaving this way. He probably knows they can't do much. Only option is through the courts at my cost, which obliviously I can't affo...