we have an iva already in place

[David Mond]

I concur with what Melanie has said. Please get us the information and we'll review same for you - looks wrong to me.

[zzspudnick]

thanks david and melanie i have been in touch with my ip who was at first reluctant to send me the creditors info and reports until i mentioned this forum then they changed there tune and have agreed to send me everything all reports from the start and all dedt info had the extra 230 reduced to 100 extra a month but have told them that if the next quarter is as bad i am chucking the towel in and declaring br they didn't like that either so we will see how it goes p.s thanks for the cccs looks like there are some errors just waiting for there paper work now cheers everybody this site has made us feel better

[kallis3]

Glad you are finally getting things sorted.

Amazing what mentioning the forum does isn't it?

[MelanieGiles]

Just to point out that your IP ought to be sending you this information as a matter of course - not at the end of difficult discussions for you. Glad the reference to the forum helped.

[David Mond]

Great news - let us know when you receive the reports and then get back to us if you don't understand any of it.

[kallis3]

I would say in the first instance to contact your IP if you don't understand anything as it is them who will have prepared it for you.

[zzspudnick]

just a follow up havent recieved paper work yet but had another shock yesterday so asking advice on this as stated before i pay an extra £25 p/w for overtime payments after phoning them on the 5th jan 2009 the following day i recieved a reciet for £25 payment they had proceeded after my telecom to use my debit card details and automaticaly take payment without my permission are they allowed to keep my card details and take money from my bank account when they want please advise me of any appropriate action i can take before i phone them this morning and give them another sky rocket

[MelanieGiles]

If you have agreed to them doing this, then yes, however I do not use direct debit facilities for my clients, preferring to trust them to send in the payments themselves which does usually happen.

If you agreed the direct debit scheme, and agreed the payment with your IP firm, it would seem that they have acted appropriately.

[zzspudnick]

no i did not agree for them to take it when they want and i have not gave them permission to hold my card details they did ask but i said no

[MelanieGiles]

I am sure that they would need to have an agreed authority from you to execute a direct debit facility on your bank account, but you should certainly check this out as if they have acted inappropriately you may have grounds for complaint.

[zzspudnick]

just got off the phone with my ip who have amitted they did take the money out using my debit card details that they should not have had.also it was done without my consent and said they are investigating why they still had my card details they also said for them to continue with the investigation i need to write to there compliance officer. my question is is their any other action i can take against them

[MelanieGiles]

Appalling - and I do hope that you get an apology. Without your authority, I cannot see how they could have effected this transfer.

[David Mond]

Disgusting and diabolical - you could report them. Sorry you have had such a bad experience. Who are they?

[zzspudnick]

the company is called kingsgate insolvency do you know who gouverns them so i can write to them about it

[MelanieGiles]

If you go to the Insolvency Service website - www.insolvency.gov.uk and look up your IP under "Find an IP" this will tell you of their personal regulatory body.