Can I return to my original question in case Declan of Debt Free Direct has to tow the Company line. The question was: what course of action is open to me regarding the very serious issue if my complete financial situation being brought into the public domain through their error? Does the data prote...

plasticdaft has a point, Although I agree with the generalised sentiment in earlier postings that humans make mistakes, in my case, this is the second serious error on their part on both of my annual reviews. The problem I have with DFD is how they deal with their 'mistakes'. So far they have been i...

Thank you all for you feedback. I have now written to Declan and await some positive response. (fingers crossed)

I have recently completed my 2nd annual review and after last year's fiasco (discussed on this forum last year) Debt Free Direct (DFD) have done it again... only worse. This year, after completing the review I received by post the summary of my review only to find it was the review of another person...

Thanks again David,

I have been promised that it is being investigated, however, I have not heard anything since then.

David,

Thanks for your assistance. I certainly hope that I can get to a Director level through your message. I will keep an eagle eye on the forum.

Thanks Lulu, I have found a direct contact now for my IP.

David, are you recommending that I communicate with them urgently or are you saying that you are getting them to contact me? If it is the latter then what contact details do you have for me?

Thanks,

I will be preparing my stiff letter to go direct to my IP tonight

Hi Melanie, I have 2 confirmations of receipt of my financial statements and have spoken to one of their many departments who confirmed receipt and offered apologies for not dealing with my review yet. They say they are extremely overloaded right now. I was unaware until yesterday that they had in f...

The IVA company is Debt Free Direct

I am 16 months into my IVA and should have had an annual review in January, however, my IVA supervisor has failed to conduct a financial review with me even though all of my financial details were supplied prior to the annual review date. I have since re-submitted my details 2 more times by fax & St...

When trying to meet the IVA criteria of 75% (in value) agreeing to the proposal, does the percentage calculation include creditors who did not bother to vote? Are the non voters treated as having voted against or for? The reason for the question is that if there is a substantial group of creditors w...

Hi Andy, Thanks for your reply. The reason behind my question was that I declared all of my debts including associate creditors in my initial applivation for an IVA, but the Company I used would not include them on the basis that it would reduce the dividend to the other creditors and they would pro...

Can associate creditors vote on an IVA proposal even if they are prepared to wait until the IVA is finished before they get paid? In this, way the IVA would get the 75% in favour vote required but the non associate creditors would not lose out in the distributions of money during the IVA