Ok so my 3rd review came back and no additional payments to be made, so thats good news, now on to the bad:
They adressed it back to me as just my surname, now i live with a family member, ive never told about my iva, and he opened my letter, very awkward when i came home from work, he apologised but he shouldn't have to, normally the letters come with both my first and surname on, but not this one, slightly embrassing!
Also i noticed something which doesn't make any sense, or am i reading it wrong?
Non Prefential claims at £41,503 Per SA (im guessing thats self assessment??) Agreed claims at £24,810 and then not yet agreed ay £43,387. I know my Barclays came back at £3k more than i thought and i don't know why but i think its down to they charged 3 months interest and a fee for defaulting. But im reading that as i owe £67k which i know is no where near! or have i read that wrong, if its right? how?
At the bottom of my letter its got, they are trying to resolve the disputed claim, but if its more than 5p in the pound, i will be in breach? how? i sent all the account numbers surely they just update from there? the last bit says if im in breach i will protentially have to pay a lump sum or extend, i really wanted this over in 5 years, im not getting any younger!
Hi and I'm sorry to hear that your mail waws opened due to incorrect addressing, I would take that up with your IP firm and advise them of what has happened on this occasion. Congratulations on a successful 3rd review and I can't comment on the last part of your post but will bump this up for a professional opinion. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Thanks Lesley, nice to get the 3rd one under my belt so to speak, only 2 to go! (hopefully)
Just concerned that there is still some sort of issue 3 years on, i thought this would of been sorted at my first creditors meeting before my IVA was set up, i can't understand how this would still be an issue, especially as in 3 months time my payments increase due to my HP car is fully paid, all of the detail has been spot on till now. I think im a little concerned that this has been going on for 3 years and my IP didn't inform me.
Mel, is it the agreed claims + the unagreed claims making up my total debt? or is it the Statement of Affairs minus the unagreed claims, which based on some of the default notices i got after my IVA started would make more sense.
Just really worried that I owe 20k more than i thought or even knew, especially as all my data was sent with account numbers and sort codes etc of my creditors, surely if i owed this much more there would of been some fuss at my first creditors meeting.
Until the unagreed claims have been agreed - it is impossible to tell what the extent of your debts actually is - but I am very suprised that three years into a case there are still outstanding claims matters.
It will be impossible for Mel to answer the question as she won't be in posession of your original documentation and agreed amounts owed. The best thing to do would be to look at your paperwork after your creditors meeting was a success it will detail debts owed and by whom and the projected dividend in the £ to each of them over the term of the IVA. If this differs greatly to what you are now looking at 3 years in then ring the IP and ask for clarification it may well just be written confusingly on the letter or they could have made an error.
Check out your original confirmation paperwork and agreed claims and then speak to the IP about the amounts you are confused about I am sure they will explain all very quickly.
It will be impossible for Mel to answer the question as she won't be in posession of your original documentation and agreed amounts owed. The best thing to do would be to look at your paperwork after your creditors meeting was a success it will detail debts owed and by whom and the projected dividend in the £ to each of them over the term of the IVA. If this differs greatly to what you are now looking at 3 years in then ring the IP and ask for clarification it may well just be written confusingly on the letter or they could have made an error.
Check out your original confirmation paperwork and agreed claims and then speak to the IP about the amounts you are confused about I am sure they will explain all very quickly.
It will be impossible for Mel to answer the question as she won't be in posession of your original documentation and agreed amounts owed. The best thing to do would be to look at your paperwork after your creditors meeting was a success it will detail debts owed and by whom and the projected dividend in the £ to each of them over the term of the IVA. If this differs greatly to what you are now looking at 3 years in then ring the IP and ask for clarification it may well just be written confusingly on the letter or they could have made an error.
Check out your original confirmation paperwork and agreed claims and then speak to the IP about the amounts you are confused about I am sure they will explain all very quickly.
Thanks Mel,and dave i know no one can comment on specifics, just was after some peace of mind thats all.
Tried to call them today but no real information was passed to me, i did get an apology regarding the letter addressee issue, but tbh im no further on. As usual unable to get in touch with my IP, all i got was they have requested more information from Barclays and they have 25 days to respond, i was told that Barclays did this last year at my review and didn't respond, so its just wait and see.
I was told that the figures don't match up even though my other creditors the figures where spot on to the pound, it seems baclays are continuing to charge interest on non-payment. I have offered to send a letter barclays sent me 3 years ago showing a 2k difference in my original statement which includes the charges for failure to pay for 3 months.
So its just wait and see, thought all this was over, sleepless nights agin [:(!]
Barclays know rightly that they cannot continue to charge interest on debts once an IVA is place, so I really cannot understand why they are trying it on in your case - something that your IP should be dealing with for you.
