why did'nt the ip ask for an adjournment

[debbiw]

I think theres always room for negotiation. What is your total unsecured debt?

[pisces girl]

total unsecured debt around £23k for both my partner and myself

[debbiw]

Do you own a property? If so, was there an equity release involved?

[pisces girl]

no we rent

[ianmillington]

I'm interested in the way that your income was split. Most cases of your size would I would suggest be interlocking IVAs where contributions and liabilities are "pooled". Yours appear to have been "split" and yet you have suggested that acceptance of one was dependent on acceptance of the other? The effect seems to be to convert 2 IVAs but one relatively small estate (total contributions £13440?)into 2 tiny ones.I am aware that Barclays see IVAs with very small contributions as very vulnerable to changes and wonder whether that has something to do with it.

By the way, what dividend did the proposals offer?

Thanks

Ian

[pisces girl]

barclays did not give a reason according to clearstart. and as i do not work at present it did not go through.

[ianmillington]

Now that I don't understand.....

I thought all your creditors agreed?

Have Clearstart made any recommendations to you or have they abandoned you?

Ian

[pisces girl]

the person in question i spoke to said it was just barclays that turned it down. and for us to talk to CAB

[MelanieGiles]

It sounds to me as if this was doomed from the start due to low payments, but you deserve an explanation and as both Clearstart and Barclays have signed up to the new protocal, you deserve better service than this.

[emma_t]

Hi pisces girl

Sorry to hear of your situation, sounds like a nightmare for you.

As others have said ask Clearstart what can be done now, and failing that take another opinion on your circumstances.

Good luck
Emma

[pisces girl]

clearstart are not very clear they say barclays did not give a reason. feel very let down, all they said is talk to the CAB.

[ianmillington]

Then speak to one of the experts here. I think someone ought to talk to the organisation that voted. If we know why they rejected, who knows, there might be a solution. If not, then at least you will know why.

bl...y disgraceful.

Ian

[size5]

I have watched this thread with interest as I have a couple of pals who work for Clearstart/DFD in the in house DMP department so I am very surprised that this alternative wasn't at least discussed with you before you were, in effect, shown the door.

[MelanieGiles]

I completely agree with Ian - and the number of complaints about this firm on the forum at the moment is significant.

I suggest you refer to another IP to obtain a second opinion.