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kallis3
Moderator
27 month\s down 33 month\s to go.
United Kingdom
35545 Posts |
 Posted - 06 March 2010 : 08:13:43
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| Where would we be without this forum! |
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
27 down, 33 to go.
Jan
xx
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PELDER
IVA Junior
24 month\s down 36 month\s to go.
United Kingdom
137 Posts |
Posted - 06 March 2010 : 10:00:59
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| I think that 'lost' is the appropriate word Jan! It's a great place to share information and experiences relating to our debt problems and important information can be gleaned at times just by reading all of the threads. |
Be nice to people on the way up - you're sure to meet them on the way down ! |
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kallis3
Moderator
27 month\s down 33 month\s to go.
United Kingdom
35545 Posts |
Posted - 06 March 2010 : 17:58:22
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| Exactly! I'd feel as though my right arm had been cut off! |
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
27 down, 33 to go.
Jan
xx
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traceman
New Member
15 Posts |
Posted - 06 March 2010 : 22:37:55
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| hi,im in my final year of my iva with dfd and have not received any paper work after my anual reviews, just a phone call to say i dont need to increase my payments |
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MelanieGiles
IP
30800 Posts |
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Helen
Forum Expert
IVA completed.
United Kingdom
6018 Posts |
Posted - 07 March 2010 : 08:07:44
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It is a bit odd isn't it?. I have always received mine wether its on time or a little late (as was the case last year) but have always got a copy of a letter sent to creditors.
Hope Declan can shed some light on this for everyone.
xx |
IVA Completed
H xx
please visit my blog at: http://ladyh.blogs.iva.co.uk
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PELDER
IVA Junior
24 month\s down 36 month\s to go.
United Kingdom
137 Posts |
Posted - 07 March 2010 : 08:17:22
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| I received my first annual report a little late too, but at least I got one !! |
Be nice to people on the way up - you're sure to meet them on the way down ! |
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johnB
IVA Junior
IVA completed.
United Kingdom
130 Posts |
Posted - 08 March 2010 : 01:23:11
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I didn't realise I was supposed to receive a report from DFD. I had it sometimes, but not always. I got open when I had to write to DFD as I was concerned at one stage my payments could exceed the total owed!! (Rather odd situation, but well never mind)
Thanks all for clarifying that we were supposed to receive reports. |
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flow13
IVA Journeyman
48 month\s down 12 month\s to go.
United Kingdom
608 Posts |
Posted - 08 March 2010 : 11:21:28
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| Its not that we have never received an annual report - I think we have had 2 which was at the beginning of the IVA. I definatly know we havent received one for the last 2 years. I will have to check when i get home from work about the other 2. x |
There is sunshine beyond the clouds - so I am told!!!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
Last Payment 16th July 2011! |
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Helen
Forum Expert
IVA completed.
United Kingdom
6018 Posts |
Posted - 08 March 2010 : 16:29:43
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Just keeping this to the top so that hopefully Declan see's it.
xx |
IVA Completed
H xx
please visit my blog at: http://ladyh.blogs.iva.co.uk
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clareyfarey
IVA Junior
58 month\s down 2 month\s to go.
United Kingdom
82 Posts |
Posted - 08 March 2010 : 20:13:51
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I'm not with DFD, but used to be with Wilson Phillips and ALWAYS got my report about a week after the review. Last year I didn't get any paper work, except a letter saying that my IVA had been moved to a new IP. Seems some of the bigger companies are not so hot on their admin!
Glad to see so many of you still posting on here.....in 7 months time I'll be finished, but I'm going to carry on with the forum, it's been a lifeline!
Cx |
58 down..... 2 to go! :)
read my story
http://clareyfarey.blogs.iva.co.uk |
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Declan at DebtFreeDirect
Forum Expert
United Kingdom
762 Posts |
Posted - 09 March 2010 : 09:02:58
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Hi All
Apologies for not responding earlier. This query has baffled me as well and I can assure you I spent a good proportion of yesterday investigating this.
In answer to the question, yes, we (DFD) do issue annual reports - it is a legal requirement that is sent to our clients, their creditors and the court and is sent every year, as close as possible to the anniversary of when the IVA was accepted.
What we dont always send out, unless asked for specifically is the outcome of the annual income and expenditure review if the monthly contribution remains the same, instead we will ring you and advise of this. If there is a change, we will write to you confirming this.
I am currently looking at ways to make this process run smoother as I think there are issues about it and this forum has proven that we need to make the process easier to follow.
Thanks
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Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/iva
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Til
IVA Journeyman
569 Posts |
Posted - 09 March 2010 : 11:46:55
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| Hi Declan - thanks for looking into this. I can advise we have had absolutely no paperwork after our first review - just the phone call to confirm payments stay the same. I am hoping that I will receive our copy of the annual report soon as we have been in the IVA since Aug 08 so presume this is not just late now - however I have emailed in for it so will give Customer Services a chance to post one out :o) Thanks for looking into this for us. |
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr
IVA approved August 2008 - 6 year term |
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Declan at DebtFreeDirect
Forum Expert
United Kingdom
762 Posts |
Posted - 09 March 2010 : 12:07:33
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Hi Til
I too will look into this because I’m baffled. It may just be a delay in issuing the reports (there was large backlogs recently), however this is no excuse for you not receiving it earlier.
I’m going to continue my investigation into this.
Thanks
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Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/iva
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MelanieGiles
IP
30800 Posts |
Posted - 09 March 2010 : 12:57:57
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| Why don't you just include a sentence in the report saying that as a result of your annual review there are no changes to be made to the debtor's monthly payments. Simple to do - and covers off the need to write to the debtor separately. |
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp |
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Declan at DebtFreeDirect
Forum Expert
United Kingdom
762 Posts |
Posted - 09 March 2010 : 13:30:35
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That is a very good suggestion - thank you Melanie and one that I am going to feedback internally.
Thanks |
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/iva
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Martin2011
IVA Journeyman
540 Posts |
Posted - 09 March 2010 : 20:39:15
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Hi all,
Also with DFD (having been transferred from another company. Since DFD have held my case, I've always had to ask for a copy of the annual report, but have then received it promptly. They've been very efficient in every other respect and I can't fault the review process itself which has consistently run smoothly. Perhaps this review copy issue is an internal problem that hasn't been recognised. Hopefully Declan's enquiries will get to the bottom of it, and Melanie's advice seems a good solution (I expect an invoice for professional services is in the post Declan ;-)))
13 months to go before I'm treating myself to a new armchair - this ones seen way too much worrying!
Best wishes all,
Martin |
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Declan at DebtFreeDirect
Forum Expert
United Kingdom
762 Posts |
Posted - 10 March 2010 : 09:08:08
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Thanks Martin
I will certainly be making recommendations as to how to improve the process internally.
Cheers |
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/iva
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flow13
IVA Journeyman
48 month\s down 12 month\s to go.
United Kingdom
608 Posts |
Posted - 10 March 2010 : 11:42:21
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| I agree with Martin. I havent had any issues with DFD at all - apart from this. I find customer services over the phone is always really good. x |
There is sunshine beyond the clouds - so I am told!!!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
Last Payment 16th July 2011! |
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Til
IVA Journeyman
569 Posts |
Posted - 10 March 2010 : 18:27:27
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Hi all - we've just had our annual statement in the post from DFD as per my email request and all is well apart from I am a little confused on one thing... The statement is signed in August 2009 and states that our up to date I&E has been requested but that the debtors (us) have not yet provided it. However we were not asked for our review information until the 30th of October... Almost 2 and a half months later!
I feel a little concerned that our annual report was issued to read as though we had not provided information requested - when in fact we had not yet been asked for this information.
Perhaps Declan if you are on you could advise why the reports are done in this way, prior to our review having taken place, and why it states our I&E had been requested when in fact it had not? I know these are small details when the outcome is the same but it doesn't sit right with me that my creditors are being told something that isn't true, especially when it sounds bad against us. Is this normal as perhaps the statement should read that you are about to request I&E details instead if that is the case? Thanks for your advice :o) |
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr
IVA approved August 2008 - 6 year term |
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DFD Annual Report
