Annual Report

[stepbystep]

I am self employed and was transferred to CF. I've just received an annual report which I never got from Mel. I also notice there is an increase in PtoP is that normal ?

Has anyone who is self employed had their review yet and can tell me what this is for and do I need to do anything. It is time for my review but no I & E sent.
#confused


Thanks for any help guys #128553;

[Foggy]

The annual report normally follows the review. However CF seem to be taking an inventive approach to reviews ( maybe due to the numbers they have to complete without the staff to do it) and many seem to be being rubber stamped to hit the deadlines.

[stepbystep]

So do you think that's it, I just carry on paying same amount ?
I did notice they have increased the pence in pound tho can they do this do you know ?
Thank you for coming back to me so quickly.

[Foggy]

The pence in the pound can be increased by PPI being paid in or changes in the amount you have paid in ( extra payments will increase this). Even at review it is still only an anticipated figure and can still go up ( or down). Rarely do they use minimum dividend figures these days.

[lifenoteasy]

I'm in the same position.

I think they have been a little bit crafty and issued the report to meet their statutory obligation but still half expect them to follow up with an I&E review at some stage.

[stepbystep]

Thanks Foggy, as always so helpful.

Lifenoteasy... I rang them and spoke to the rudest person I've ever spoken to in my life!!! Not that I took it from him but there was no need for it. I'm done in 12 month so if they write for an I&E that's fine if they don't it's there fault. I'm just so glad I have only one year left and not at the start of my IVA journey.
As much as I am cross with Mel for selling us all down the river she was damn good at her job & very efficient...... Oh well roll on March 2016 #128518;

[lifenoteasy]

Any particular reason why they were rude or was it just bad luck that you ended up speaking to that person?

[stepbystep]

The only reason I can give is that he misunderstood my reason for calling but became very disrespectful and abrupt, I was querying the amounts on the report and he made it quite clear he wasn't going to listen to me from the beginning. I won't let it drop though and will pursue his rudeness. they tell you every minute you are being recorded so I will be curious to see what Gareth Pointen the Director thinks of his staff and their inability to sort accounts out correctly & not in the favour of the IVAer especially when she is telling them why, how & when! It went wrong. I suppose I should leave it really as it is in my favour but I won't allow anyone to speak to me like
he did, I feel bad enough about only paying my creditors 26p in the £ never mind taking further monies that I know are incorrect.
RANT OVER.... thanks for reading

[Lisa Thomas]

I would make a written complaint to your IP firm about the attitude - it's outrageous!

[stepbystep]

Hi Lisa I actually rang back as I'd forgotten to ask something and told them I didn't want to speak to him, they said to me he is very good at his Job and would sort it out but "he is a bit rough round the edges" that was coming from a colleague..! Roll on completion as very unprofessional company. No comparison to Mel and her team but I would never recommend Mel either after transferring us over to them #128553;

[Lisa Thomas]

As you say - roll on completion! One day this will be a distant memory for you - IVA - What IVA?!