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Posted: Thu Nov 29, 2007 9:58 am
by themonkey
hi there i already have an iva with accuma but belive that
the amount i am giving me is alot more than i should be paying as
even though i know it is sorting my debts out i still query the amount i am giving them! can i change my iva company like a morgatge?
and get a better deal?
Posted: Thu Nov 29, 2007 10:16 am
by aguise
Hi monkey
It is near impossible to change your Ip once in an iva, not at all like mortgage companies. If you have problems you need to speak to your comapny and try to see what they suggest and you can do tyo improve things.
Why do you think you are paying too much?
Ang
Please visit my blog at
http://aguise.blogs.iva.co.uk/
Posted: Thu Nov 29, 2007 10:31 am
by themonkey
aguise wrote:
Hi monkey
It is near impossible to change your Ip once in an iva, not at all like mortgage companies. If you have problems you need to speak to your comapny and try to see what they suggest and you can do tyo improve things.
Why do you think you are paying too much?
Ang
Please visit my blog at http://aguise.blogs.iva.co.uk/
Posted: Thu Nov 29, 2007 10:34 am
by themonkey
My living expentitures are not unreasonble but they are more than i have from avalible funds left after my iva has been extracted and the iva was increased by 199 pounds but this will cause a lack of avalible cash to live a decent way of life!
Posted: Thu Nov 29, 2007 10:43 am
by OPTIMIST12
Was that an increase of £199 per month? That would scupper most peoples budget. Was it explained to you why your payment went up so much?
Posted: Thu Nov 29, 2007 10:45 am
by themonkey
it was because i had hp on a car that was my ex wifes and i npaid for it but no longer have the car as it was broken and now have no car of my own and can't even start to save for a new one!
Posted: Thu Nov 29, 2007 11:02 am
by iva experts
As Aguise has already mentioned it is almost impossible to change I.P firms whilst in an IVA. You cannot change companies just because you think you are paying too much, usually changing I.P is due to your particular I.P leaving etc.
Best Regards,
IVA Experts
http://www.iva-experts.co.uk/
Posted: Thu Nov 29, 2007 12:33 pm
by Adam Davies
Hi
Have you allowed for expenditure to get to work etc ? Have you filled in a new income and expenditure form recently ?
How much in total are you paying now compared to your actual disposible income ?
Regards
Andy Davie
IVA.co.uk Spokesperson
About me:
http://www.iva.co.uk/andy_davie_profile.asp
IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp
Posted: Thu Nov 29, 2007 12:41 pm
by themonkey
I have asked them if i can fill in a new expenditure but they are so very slow it is frustrating! I didn't include travel to work expentiture!
Posted: Thu Nov 29, 2007 12:51 pm
by iva experts
Could you call and ask to speak directly with the I.P?
Best Regards,
IVA Experts
http://www.iva-experts.co.uk/
Posted: Thu Nov 29, 2007 12:57 pm
by BECKY
Hi Im with ACCUMA too . Have you managed to speak to ur ip directly. I had a few problems with admin staff as you dont get to speak to the same person everytime you call. I now have my ips email address and direct line and find him very helpful and he always answers my email in a timely manner.
Posted: Thu Nov 29, 2007 1:34 pm
by Adam Davies
Hi
You really need to speak with your IP.
How do you get to work ?
Regards
Andy Davie
IVA.co.uk Spokesperson
About me:
http://www.iva.co.uk/andy_davie_profile.asp
IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp
Posted: Thu Nov 29, 2007 4:56 pm
by ray_a
Looks like the IVA requires to be varied and I would suggest redoing your budget to clearly state all your expenses so one can arrive at a sensible IVA payment!