Posted: Sun Jul 26, 2009 8:23 pm
Hi have recently had our iva transferred to GT from Accuma. It hasnt gone smoothly, not due to GT but actually accuma. Loads of things have got me worried. Firstly my payment was taken at wrong time of month leaving me with nothing until the money got recalled. GT advised that accuma had done made notes but had not actioned a date change. Also I have had an extention notice given only recently, this should have been done months ago but GT told me that we were in danger of our IVA failing, creditors said if went more than two months over, would petition for bankrupcy. That appears to be sorted now but have just received review paperwork too! I had pay rise back end of last year and contacted accuma, they just said it would be dealt with at review, does that sound right? Now Im thinking are GT going to think that we've been keeping quiet about rises when they get payslips? Couldnt be further from the truth as I was never off the phone to previous company! We started this in August 2006 and I would be devastated if it were to fail now, when we are this far in. We havent found it easy, but I know nobody does. Since starting it I now have two children, my food allowances or clothing allowances have never been raised and I struggle to be honest. Only found out I was enttiled to a contingency fund last year, never been added in! I pay £427 per month and dont think I could pay any more. There is a possibility I will get a payrise over next few months, if this happens after review should I contact GT or do it an next review? Sorry for all the questions but you can probably tell Im bit concerned. Feel like nothing Ive said in past has made a difference, they listened but looks like never did anything with problems or concerns I had. Anyone please advise greatly appreciated x