Well this saga seems to have been going on a while i had previously posted under another logon, but had not been for a while and couldn’t remember name or password so am starting on here a fresh, and i really need some advice as don’t know what to do for the best.
I have an IVA and the IP is pay plan, after reading another recent post about them as well i am becoming even more worried, i thought it was just me clashing a bit with my case worker but now i am not so sure...
my IVA was agreed in November last year, part of that agreement was that i sell my car have up to £3000 to get a car with the remainder of the sum going into my IVA. I had no problem with this, but at the time before the initial meeting i did tell my then case worker that my car was not worth as much as was detailed on the paperwork, they had just taken parkers top whack and hadn’t taken into account condition or mileage!!!
anyway tried to sell my car for £5k, so i could at least pay in a reasonable amount, no joy. I missed the deadline for selling it so they called another meeting and that gave me till 28th August. Had some issues and work done on car since then and started trawling round dealers, sign up in car and on notice boards at work etc... Still no joy.
so i went to a recommended dealer locally and asked him what he would sell for, he sat with me for ages and we went through everything that needs doing, its condition and mileage and he said privately i would get £3600. I emailed my case officer, and told her this and asked the question could i put in the £600-700 and not sell the car, at the time of the first creditors meeting this was hinted at by the chairman when i was called, that if i could provide valuation i maybe able to do this.
Case officer has now come back and said without saying a lot that if i can only sell for £3600 that doesn’t matter its just in the agreement that i have to sell keep 3k and put the rest in the IVA.
I really don’t know what to do now, car now needs a service i have less than 2 months to figure it out and feeling like i am getting no support whatsoever. It is getting to the point where i am not sleeping properly again and not focusing at work.
Please can someone point me in a direction, everything else with the IVA has been fine, I have let them know when pay has gone up, when I got a bonus etc, and I am living on what has been agreed I don’t want it to fail for just this.
Sorry about the really long post I just needed to get this all off my chest
Suzie