www.iva.co.uk

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

My IVA was also transferred recently and it was the best thing ever. Had lots of problems with accuma, admitedly some were of mine and my husbands own doing. Long story but had been paying reduced payments for approximately 18 months but a variation meeting had never been arranged. Should have finished IVA in March of this year but payments kept being taken without any idea what was going to happen. Since the transfer, we have a date for our variation meeting (August 17th) and the end is in sight.
This is my long- winded way of saying don't worry, GT are great and will help you all they can. Just be very honest with them.

I have had contact with GT but with IVA and can only say that they were very proffessional.

I know the guys very well at GT, and trust me they will understand some of the difficulties you have experienced in the past and will want to help you resolve matters now swiftly. No one will want to see your IVA fail, and you will not be judged by GT for things that may or may not have been done prior to their appointment.

You are with a very good firm, and they have an excellent client service manager now on board to deal with any issues you may have.

Thank you to everyone. Will be pleased when review is done and I know everything is ok. In all honesty they have been really nice when I have spoken to them and seemed genuinally shocked about what has been happening with our arrangement. Thanks again x