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by midnight-herald
Sun Feb 08, 2009 5:06 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

I had a feeling that was going to be the answer... yes i did e-mail my ip and wrote but never heard anything back :(
by midnight-herald
Sun Feb 08, 2009 4:34 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

can you change the company who are dealing with your iva?the one am currently with are incompetent as far as i am concerned, have been with them a year, is it possible to change? and is it complicated?
by midnight-herald
Wed Jan 21, 2009 3:44 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

I have been served with a notice of breach as i have been informed i have not returned my pension details as requested(which i did) i contacted dfd a few weeks ago and told them i had requested the details from my employer and was waiting on them to arrive, they arrived today , and they have still s...
by midnight-herald
Sat Jan 17, 2009 5:07 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

thats what i did!! binned it!! just got a bit of a shock when i got that!!
by midnight-herald
Sat Jan 17, 2009 4:45 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

Hi, i got a letter from one of my creditors demanding money a couple of weeks ago, they are in the iva, i rang dfd who said to ignore it, i thought this was supposed to stop once you go into an iva? i did as was told and yesterday got another demand from the same company do i just ignore this too?
by midnight-herald
Tue Dec 23, 2008 5:23 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

have just had a phone call from dfd telling me am in breach of my iva!!! as they requested pension details an i havent supplied them, i sent them in in september and got a letter again requesting details, i rang and told them i had sent them and have heard nothing til today when they said they are s...
by midnight-herald
Thu Dec 11, 2008 5:08 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

no i just seem to keep getting passed about and getting nowhere
by midnight-herald
Thu Dec 11, 2008 4:55 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

have again contacted DFD and again they have sent me exactly the same information as last time requesting exactly the same amount, think am banging my head against a brick wall!!!
by midnight-herald
Sat Nov 15, 2008 2:21 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

well have written to dfd again but still not heard anything, dont seem to be having any luck with them in sorting this
by midnight-herald
Thu Oct 30, 2008 7:04 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

well i did wonder why it was so high,as over the 5 years am paying back a lot less than that, think it worked out about 11,460 and my original bebt was bout £20,000ish so am not sure how they arrived at that figure
by midnight-herald
Thu Oct 30, 2008 6:39 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

Thank-you so much for all your help all of you i realy freaked when i got the settlement figure!! have had enough stress to last me a lifetime and that didnt help, but you have all made me feel a bit better, Thank-you
by midnight-herald
Thu Oct 30, 2008 7:18 am
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

Ok thanks for you advice, the company who are dealing with my iva is debt free direct and they are just not very helpful at all and insist that is what i have to pay if i wish to settle, which am not at all happy with as i am struggling to pay at present as they based the iva on my overtime, also th...
by midnight-herald
Wed Oct 29, 2008 3:16 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

this is what they sent total funds paid to date : £1,500 bank interest 31p fees paid nominees fee £788.94 Supervisors fee £ 85.95 office holder expenses £275.09 VAT £196.18 Balance held £154.15 Actual claims to date £17,690.00 Provision for further claims £2,843.82 Outstanding fees and disbursments ...
by midnight-herald
Wed Oct 29, 2008 2:13 pm
Forum: full and final settlements
Topic: advice needed
Replies: 36
Views: 4673

Hi, i finally got a reply about a settlemnt of my iva, my original debt was around £20,000, under the iva if i let it run i am paying back round about £12.000, according to them they want a settlement figure of £23,417.17???? and i have to offer as near to that as possible? this includes an early se...
by midnight-herald
Mon Sep 22, 2008 7:37 pm
Forum: full and final settlements
Topic: paying off early
Replies: 4
Views: 1730

Thanks for your replies, gets quite confusing sometimes when they start talking on the phone and go all technical on you, would i be better off waiting until have at least paid my first year?
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