I have x amount of debts listed on my chairman’s report. I did a F&F settlement a couple of months ago and I’ve just noticed that a few debts aren’t listed on the completion certificate. HMRC is one and they are now chasing for an attachment of earnings of which I can’t prove through my completion certificate I am now discharged from my insolvency. I’ve phoned Credif Fix and I’m still unsure where I stand. I’m so scared.
Sorry Niki, having reread your post I can see the Chair's report was as a result of the variation meeting due to the F&F.
I suspect the 'list of creditors' probably relates to the votes received.
You will have needed 75% in value of creditors voting to approve the variation so, assuming it was accepted, you must have received sufficient votes in favour.
Your IP should be able to explain it to you if you have queries.
I think her problem is with HMRC and threatening an attachment of earnings.
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
The important thing is that they are listed in the original proposal, which proves they were joined in, then the Chairman's Report of that original meeting will prove that the proposal was accepted. Finally the completion certificate will prove that the IVA concluded as expected.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
You are protected by your iva and HMRC are included - the f&f detail has not yet fed through the system to the right team hence you are being chased. I know how you must feel .... ask HMRC to contact your IP or vice versa to get this resolved for you.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
