The other week, one of my work colleagues told me he was in an IVA, and had been for 3 yrs.
After disclosing the shock and horror fat that i too was in an IVA, we set about exchanging info about the whole process, and how we have been treated.
Honestly, without going into too much detail, he has been hounded by his IP from the off set, squezzing every last penny out of him on a monthly basis. Whereas I have been left to my own devices, with my IP just going along with my yearly income and expenses spreadsheet. (I send the same one every year!)
He couldnt believe how well I had been treated, in comparison.
It seems odd that some firms adopt this grab all atitude whilst others obviously are happy as long as you dont default on the original agreement.
Hi
A very interesting post and one that I totally agree with.
The levels of customer service does seem to vary greatly between companies as does the way that some clients are treated in general
Regards
I agree. You do also find that people using the same firm are treated differently.
Tina and I are both with Payplan and have had no problems, but other posters have.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
So Andy, am I right in saying that as long as the original agreement is not defaulted, and circumstances havent changed much, then the IP should leave you alone?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
You should have an annual review of your circumstances as part of the IVA.
Whilst I personally don’t think someone needs to be going through a new income and expenditure every month in some instances this may benefit some people. I have read many posts on here and other message boards where people have reached annual review stage and have ended up with an increase in contributions due to a change in income dating back 6-7 months that their IP was not made aware of.
This can also work the other way in the event that you were to experience a loss in income. Some may struggle on and try to make the payments agreed when they do not have to.
We have a review every 6 monthe,yearly for me as I am selfemployes. Once a month the company we are with phones us to check we are ok and to see if they can do anything for us.We love this service and feel we are special and it makes us feel that they are working for us and us alone.
i find it very strange how my case officer gets changed all the time.
nearly 2 years in now and have had at least 6 different ones sometimes i dont know who to speak to
they have all been fine but why the need to swap and change all the time.
as long as i send in my payslips once every 3 months then they leave me alone which is fine by me
cc received 6th January 2014 now upwards and onwards
My case officer has changed once and the one we have now is great.
Send payslips in quarterly which is fine by me. I also send a letter explaining about extra expenditure as well. Not had a problem so far.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I'm with Melanie so need say no more, in my personal opinion one of the best IP's (not that I know anymore). I comply with my IVA and Melanie always answers and queries I have with fairness and promptly, I really couldn't ask for more. I realise I'm lucky. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
How good for you both to be able to confide in each other about your IVAs but what a shame to find out (for him) how differently they can be administered. It just supports what everyone suggests on here for people taking the next step to do their research carefully and speak to more than one company.
I guess with any profession there are the best and the not so good but in this field the impact of a bad one is far greater than a bodge job on the decorating.
Hopefully your good on-going experience will give him confidence in challenging his IP if his service is less than adequate.
Keep us all posted!
Regards,
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.
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