Debt free direct messed up while setting up my iva leaving my biggest creditor out of the iva leaving me with a charge against my home so where the iva should have been for 31000 only 16000 was actually put in equity in finance who works along side have so far claimed back over 21000 in ppi as well as my monthly payments I have paid over a 4 year period I have written and phoned numerous times and nobody is listening it should be done by now they informed me it runs till2018 at my wits end need to know who to complain to thanks
It sounds like you are in a 7 year arrangement especially if NRAM hold your mortgage.
If they have excluded a creditor complain directly to them, then try the Insolvency Service otherwise seek legal advice.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
A little perplexed that at the proposal stage this was not noticed when checking and signing the paperwork ... have you gone back through and made 100% sure they were not included ?
If not then your complaint needs to be addressed by DFD direct and they will need to approach the creditors to agree way forward for you.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
It sounds to me that a creditor got a charging order against your property around the time of the IVA. This would explain your debts reducing and the secured charge now against your property.
There will have been an allowance on the I&E for the charge to be paid going forward and if all the unsecured creditors have now been paid you can concentrate on clearing this.
You really need to speak to DFD for clarification.
Hi Terena,
Please drop me an email (address is in my profile), with all your contact details and I will get in touch to discuss your issue further.
Look forward to speaking to you soon.
Regards,
Evette Everest