David Mond and I are fellow board directors of the DRF - indeed David is our Chairman and is a very well respected IP in the profession. Would you like me to get David to let me know the facts of your case, so that I may be able to help explain the position? Sometimes an independent eye can really help where two parties are not meeting eye to eye, so to speak.
If you want me to help, send me a message to my e-mail. I am due to meet with David this forthcoming Thursday, so happy to grab a moment with him if this would assist. Have you spoken with David directly yet?
Thank you Melanie that's very kind of you.
I have received an email from David which confirms that it's 24 months payments or offer a settlement figure (We offered £5,500) which from his email I think he stated as 24 months would equal to around £11,600 and for an offer to be taken seriously would need to be extremely close to this amount.
I really don't feel there is anything else we can do, there is no room for negotiation.... The email also stated that we were contradicting ourselves however the paragraphs we were referring to were taken from documents sent to us by them!
I appreciate your offer of help but gel it may not work in our favour as he seemed to be very cross that we had been on this forum!
It is a natural reaction Olivia. I have to confess that I also get upset when occasionally one of my clients uses the forum to ask questions, when they can pick up the phone to me anytime - but sometimes IPs can lose sight of their client's need for support and reassurance. When we deal with things like this every day, they can seem a matter of routine, when to you guys the worry of not knowing can consume you and the forum is a great support mechanism that is well respected within the IP profession.
I know David very well, and know that he will be concerned that you are still not happy with the way this has been explained. Are you in the Manchester area, as David is always very happy to meet with clients, to ensure that all parties understand what has to be done, and more importantly why. In your case this seems to stem from modifications required by your creditors at the original creditors meeting, which you would have to specifically agree to if they are to be valid now.
Thank you Melanie. I am sure it is all down to the modifications. I am happy to send you a copy of the email, however I cannot locate the email address.
I don't think it would be right for me to just review an e-mail Olivia, without having the benefit of seeing the documents which are leading David to make his decision upon.
Why not seek further clarity from him as to the nature of the modifications which it is stated were accepted by you on the day of the creditors meeting, and why they now have the effect of extending your IVA by a further 24 months. Ask for copies of all documents, including your signed acceptance to those terms, if you have mislaid your own copies.
Always happy to help Olivia - it makes no difference to me whether it is a client of mine, or a client who has chosen another IP to act for them. If I can assist, I will.
Thanks Melanie for your good words and offer of assistence.
I am still in correspondence by email with Olivia and her husband.
I received a further email from them today which at the end stated:
"Once again, thank you very much for your assistance, and we hope to be able to come to an amicable solution as we have found Clear debt to be very helpful so far"
I have responded to their current email.
They can at any time ring me - my telephone number is shown in my email signature that they have.
Regards
David
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
Glad to see that this issue is well on the way to resolution. Andy is absolutely correct - the IP acting in the case is always the best port of call to assist.
