Posted: Sat Feb 28, 2015 11:00 am
hi all
I need an opinion on a couple of things. The last four months I have been having my annual review (no idea why its taken so long)and whilst this has gone on my IP co. has adjusted my payments which is in their remit to do. At the end of it all for the third year in a row I have agreed payments above what my affordability calculator says I can do as long as a note has been put on my case stating this and it is taken account of towards the end of my IVA.
This morning I get a letter demanding £140 for underpayments to be paid in the next 14 days. Apoplectic would be a minor understatement! I don't see how I can have underpaid when my payments where entirely controlled by my IP. I've really struggled the whole time and am a very ill man (in fact I'm delaying surgery until this has ended this year)I have met all asked of me only to have this metaphorical kick in the balls. My house is knackered and falling down around me and I struggle to give my son everything he needs. what are peoples thoughts on the likelihood of what will happen?
The ridiculous thing is I'd have paid all my debts off without an IVA had it not been for huge amounts of missold PPI, I diddn't need or want but was forced to take.
I need an opinion on a couple of things. The last four months I have been having my annual review (no idea why its taken so long)and whilst this has gone on my IP co. has adjusted my payments which is in their remit to do. At the end of it all for the third year in a row I have agreed payments above what my affordability calculator says I can do as long as a note has been put on my case stating this and it is taken account of towards the end of my IVA.
This morning I get a letter demanding £140 for underpayments to be paid in the next 14 days. Apoplectic would be a minor understatement! I don't see how I can have underpaid when my payments where entirely controlled by my IP. I've really struggled the whole time and am a very ill man (in fact I'm delaying surgery until this has ended this year)I have met all asked of me only to have this metaphorical kick in the balls. My house is knackered and falling down around me and I struggle to give my son everything he needs. what are peoples thoughts on the likelihood of what will happen?
The ridiculous thing is I'd have paid all my debts off without an IVA had it not been for huge amounts of missold PPI, I diddn't need or want but was forced to take.