Any ideas for additional content on a strongly worded complaint letter would be appreciated.

Mel. On the letter dated in December it just said the IVA had been acquired by creditfix. When I look on the internet, the old firm have had a makeover and are still trading.......no straight answers. I'm not stubborn, but cautious when I think something's not right.

Thankyou Mel. I will see what they come back to me with. I'm at the point of complaining though as I'm still waiting for my courtesy call from the acquisition of my IVA. It's only been 5 months.

Thx Foggy. It's something else to consider.
I'm going to wait until next week to see if there is any movement with my negotiatiated proposal.

Another sleepless night......... Thanks Rubyred. I'm logging everything I do in relation to contact, calls, emails, content etc. I have drafted a three page letter of complaint to their compliance officer. (I wonder if they will respond?). Mel - Thankyou. Original terms in proposal in 2008 were set ...

Apologies Mel, firm is Creditfix - Glasgow.

Thankyou very much for responding. I am in Essex my firm are in Scotland! They took over my IVA in Nov 13 with two months to go. All PPI has been done and I have contributed a further 6.5k which as yet I cannot see has been accounted for. Been told verbally that there is nothing more to pay into the...

Thx Foggy.

The property was actually excluded from the IVA in its last year and I was told not three weeks ago that my closures team would not be looking at the property anymore. (So it was sold as described above). 6 1/2yrs of constant changes in the goalposts, I've done nothing but do what was required of me...

Thanks Martin.
I'm not 100% that they are aware of the consent order at this stage. My concern is that I have a family to care for and no money or other property to move too.

Sorry, I don't know how this question was titled as it is????? [:I]
Title changed to reflect post ! Admin

Mel.
Kelly gave me a call today and we chatted for 10minutes or so. She was excellent and cleared up a few issues for. Thankyou to all.

Thx Mel. There is no substantial equity in the property after sale, it clears costs and leaves about 2-3k per mortgage holder (ex wife). It does bother me that I have had valuations and because of the minimal amount of equity available the property has been excluded from the IVA in the Yr5 review.I ...

Thx Andy.
I may have double posted on the forum? Would this include the Yr5 review excluding the property from any equity release? It's so unclear when one thing is written on paper and then the rules appear to change when you desperately need to move on.

I have 1 payment remaining on the IVA. Looking to sell property that is in joint names with ex partner.Will selling now result in creditors wanting a share of the equity between last payment and issue of certificate.