My review IVA with ClearDebt says I am in arrears, the annual creditors report does not.

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dodgymonkey

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Post by dodgymonkey » Tue Jun 14, 2016 7:15 pm
Hi there, I am 3 years into an IVA with ClearDebt/Aperture - my annual review letter says I am in arrears (due to a bonus when I left my last job - although I am self-employed now and earn less than my original IVA wage)... But the annual report to creditors says I am not in arrears - surely if I am it should be noted??
 
 

kallis3

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Post by kallis3 » Tue Jun 14, 2016 7:35 pm
Hi and welcome,

Some of the bonus should have been paid across so you will have to sort this with Aperture just to make sure
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

dodgymonkey

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Post by dodgymonkey » Tue Jun 14, 2016 10:08 pm
Thanks kallis3 - I know and I haven't got an issue with that - it's I am confused as to why it isn't showing on the annual report to the creditors - it says I am not in arrears - should they not be made aware?
 
 

kallis3

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Post by kallis3 » Wed Jun 15, 2016 8:27 am
Perhaps it is an admin error and the wrong letter was printed off.

I think I'd give them a ring or send an email to clarify it for your own peace of mind.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Shining

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Post by Shining » Wed Jun 15, 2016 8:41 am
Give them a ring and hopefully it will be sorted asap. Often these things just cross.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Lisa Thomas

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Post by Lisa Thomas » Wed Jun 15, 2016 9:53 am
It's either an error or the arrears were incurred after the period covered by the APR.

Query it with your IP in writing.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
 
 

dodgymonkey

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Post by dodgymonkey » Thu Jun 16, 2016 10:24 am
Thanks all - I will query it with them - and I am coming up to my 4 year annual review!...... nearly there.....
 
 

Lisa Thomas

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Post by Lisa Thomas » Thu Jun 16, 2016 10:34 am
slowly but surely!
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
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