I am sorry you have had so much trouble - but please don't put people off IVAs if they are right for them - much depends which IP one goes to. I went to Melanie Giles and she pulls out all the stops. After service is suberb too.
I am sorry but I am not able to offer any advice as I don't know how F&F settlements work in an IVA. However I ma very concerned about the comments of your IP as this does reflect the person that I know on the forum and who I have the utmost respect for.
Last edited by ivas4us on Wed May 27, 2009 5:45 pm, edited 1 time in total.
IVA.co.uk The best place for debt advice. Thanks to Melanie Giles, David Mond, David and J (Elv5) Kallis, Dand, Skippy, Andy Davie
I have just read everything you have written and, as a result, would like to second what ivas4us wrote. I have the highest regard for Melanie Giles both as an IP and as a person. I am not going into detail as to what she did for me but my experience not only of her (and I spoke to her about 4 times) but of her staff is the exact opposite of the tale you tell - the exact opposite. I was even given her home telephone number! Her staff in Belfast are efficient and nice people to deal with too. I can only repeat what I have said before - take notice of her - you are dealing with a foremost leader in the field.
I am sure that there is a simple explanation somewhere and that Melanie will be on later to speak to you Marlina.
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
I find these comments very hard to believe i'm afraid to say. I was called ' the rudest person I have ever spoken to' just for saying 'Can I get a word in'....and please note...I have not mentioned any names here...but the person also told me ' Its not my fault you got yourself into debt' ! As for 'listening' to my IP - you have to be joking...i was told ' put everything in writing as i'm not willing to talk to you '...YES..THAT'S RIGHT !
Howver, i'm not overly concerned with that despite the fact that my treatment has been appalling considering the amount of money i'm paying...the problem is...complete lack of communication unless I initiate it / conflicting information everytime I speak to someone at their office...and just what has been done since March ? Nothing by the looks of it...and if it has I think for the money i'm paying I have the right to know on a regular basis.
Just because I got myself into debt it doesnt mean I'm as thick as two short planks and that i'm going to sit back and bury my head in the sand. Everyone in an IVA should be made much more aware of how much it costs in real terms, and how slow and obstructive the whole system seems to be. My F&f offer is hanging on a thread here because of the slowness of the process. If it all goes pear shaped simply because of time I will be even more annoyed than I already am. I'm seriously considering a complaint to the financial ombudsman. This just isnt good enough. This is not a free service, IP's are making a very good living out of peoples misery..but I would expect to be kept abreast of developments, but it seems like its all too much trouble, and then when i have the temerity to whinge a little, instead of attempting to get this situation resolved i just get lectures from my IP how I shouldnt discuss such matters on the internet but should talk directly to them....trouble is they told me they didnt want to talk to me...great service for the thousands of pounds its costing me. Now I suppose it will be..'if you dont like it go to someone else'...you watch....
For the first time in many years your post is likely to make me loose my cool. I just do not recognize anyone in Melanie's office from what you say. I agree entirely with her office that you should not discuss points of detail of your case on the forum - if you have a complaint then make it but go through the proper procedures - that is what they are for. I view your post as an attack upon the intregrity of the people involved with you.
Every situation is different, and I dont want to get into an argument but what you have just said is one step down from calling me a liar. What happened to you has no bearing on my case whatsovever. I dont know my IP personally but I know that my treatment has been shabby. And one other thing..i'm losing my cool a lot more than you believe me.
I am not going to discuss this anymore on this forum - speak to your IP - be polite and calm and as Kallis said there will be an explanation. I have spent ages looking through posts about Melanie's company and I am not alone. Melanie Giles is a skilled professional who cares - end of story.
I dont think anybody is calling anybody a liar just saying that your comments do not represent the person that we know and respect on the forum. Any professional at times can make an error if that is what has happened, however from what I know Melanie would be the first to want to put things right. I would like to point out that Melanie is not my IP but I would have no doubts about reccommending her as a true professional to the industry to anyone.
Last edited by ivas4us on Wed May 27, 2009 7:22 pm, edited 1 time in total.
IVA.co.uk The best place for debt advice. Thanks to Melanie Giles, David Mond, David and J (Elv5) Kallis, Dand, Skippy, Andy Davie
elv5 - If you had read through my last few posts you would see that my IP has already refused to talk to me. I'm sure all the IP's are skilled professionals, but no one is infallible.
Everyone here is sticking up for the IP...okay thats your right...but answer this :-
Would you accept being called 'The rudest person I've ever spoken to' as professional treatment ?
Would you accept the phrase ' its not my fault that you got yourself into debt' as a constructive comment ?
Would you accept that 5 months and an extra £2000 is an acceptable wait for a full and final offer ?
Would you accept it if your IP said...put everything in writing as i'm not willing to talk to you' ?
Would you accept a situation where life changing decisions are going ahead with no information being given to you about it at all ?
Thats all I have to say really. Answer those questions, be honest and unbiased !
Obviously i'm getting some stick for being honest here. Apologies to any who feels offended, I suppose i'll just have to make my complaints official, otherwise its just going to be loads of people telling me how brilliant IVA'a are and how IP's can do no wrong.
Last edited by MARLINA on Wed May 27, 2009 7:39 pm, edited 1 time in total.
Hi Marlina
Sorry about what you have experienced. Your IP company does have great reviews and the IP themselves posts on here and I am sure she will look personally into any greivance you may have had. Anyway good luck and hope the F&F goes through for you.
I agree with ivas4us, I don't think anyone is calling anyone else a liar. We can only speak as we find and if something has gone wrong (as can happen) then I'm sure Melanie will want to put it right.
Paul, this is the second time today on this forum that I felt it necessary to defend a friend - I just cannot tolerate attacks on individuals - the argument - yes if it flawed but not the individual. That is last I am saying on the matter before my temper goes and then the moderators will take me off.
