www.iva.co.uk

Hi just quick update for you all ! After having lots of problems with our iva plus the merger from Cleartstart to Dfd ,also our daughter is going to be having major surgery in the next three months we decided enough was enough and we are going bankrupt.We have started saving for the bankrupty for me and my hubby.Dfd did send me a current list of creditors and amounts but that is about our lot from them. ! Do you know since Dfd took over from Clearstart we have had no correspondence from them whatsoever ,no call ,no letter nothing. Which i find mind boggling. I am writing them a letter next week to ask them to terminate our ivas.Hopefully within 3 months we can get the money together to go bankrupt and start my worrying on my daughter who will need all our attention recovering from surgery. Sorry to rant on but Dfd have my blood boiling ,i still have no letter saying they had took over our ivas yet !

You've done the right thing Rachel, you really tried your best. I do hope your daughter is ok. We're all here to support you. X

Thanks Viki, I know we are doing the right thing ,im just scared and frightened not only for my daughter but the bankruptcy . Im sure everything will be ok , thankyou for your support xRachell

You just need to concentrate on your daughter now Rachel, who is going to have to be a brave little girl over the next few months. It sort of puts having a few debts into perspective really.

Yes your right Melanie, hubby at work till late so just wanting someone to talk too really .I have just filled in her disability allowance forms again as i feel her money should increase , she is in constant pain at the moment.

It is so hard when you see a little one in pain - it must hit you right to the core, as there must be very little you can do to relieve her suffering at the moment.

Children are far braver in the face of adversity than most adults, and I am sure that she will take the operation and aftercare in her stride with your love and attention. What a lucky girl to have such kind and attentive parents.

Rachell ... just wanted to say good luck. I am sure that making the decision has been a weight off your mind.

I know what it is like to haqve a poorly child, my daughter Sarah is insulin dependent diabetic and it's been a rough ride with her over the years. Times like this certainly put things into perspective ... at the end of the day it's ONLY money ... whilst your daughter is priceless.[:)]

Debbie

Good luck Rachel, I hope everything goes well for your daughter and with your BR xxx

I emailed DFD for the first time last week.Not ever had problems with Clearstart.I don't know if out IP has changed so don't know who to make the monthly 50% over cheque payable to.I have had no response other than automatic reciept.Hope it doesn't carry on like this.We're only 20 month in and have 6 years to cover.Have other people had good expeiences?Cat

Rachel
I'm So pleased for you that you have sorted a way forward.

Your daughter is alot more important !!

Our IVA's where accepted in Dec 2007 with Clearstart who have been absolutely fantastic with us, we then received a letter from DFD advising they where transferring all there IVA's to DFD. When we received this I was very concerned. (a bit of a under statements after reading all the horror story's on here) So I decided to write them a letter expressing my concerns and asking the questions I needed answering ??
I received a very prompt and effecient email by return answering all my questions and re-assuring me nothing would change and that my orginal IP Mr A Twitchen was still there and is still my IP and can be contacted at any time.

Hi Caraf,

Please can you let me know what email address you now use for DFD to get these prompt replies? I too was with Mr A Twitchen but when my review letter came a week ago my supervisor was different . No explanation to me so far. My standing order still goes to Mr Twitchens account as not told any different. Thanks!

Hi Caraf.We started our IVA's with Clearstart aroubd the same time if you recall.I'm heartened to hear your news.I emailed them at DFD last week and still haven't heard anything back.Sounds like your IVA is going well? I'm getting anxious about the review with a new company.My IVA is going fine and I'm really scared anything could change that...Cat

Hi cat Ive just completed my 1st review income/expenditure which i have just posted off to DFD. I was with Clearstart and very happy with how it was going. I have heard nothing regarding the transfer from Clearstart to DFD ( same as you!)Until i received my review letter last week but no other explanations. I too am worried and concerned. I will keep you posted once i hear back from my review.!

Hi everyone, my IVA has gone to DFD from Clearstart, I was told Alex Twitchen was no longer my IP but they couldn't give me the name of my new IP, I expressed concern about this and still have not heard from them. Caraf would you give me the e mail address that you used to get a prompt reply.

Marsha1
I sent my letter in the post, and requested a reply by email, which I got within 48 hours.
The email came from Kevin Stanley @ DFD
i was told to use
customercare@debtfreedirect.co.uk
his email address was kstanley@debtfreedirect.co.uk