I am currently 2 1/2 years into a iva and the company I am with well the service I am receiving from them is very very disappointing I gave been advised on numerous occasions to cancel my iva with them and go with a company called step change I am starting to think have I have made a big mistake I feel so let down and isolated with this company .
I am afraid that the option to cancel, although still there, is not advised --- you are halfway through .... cancelling now will lose you everything you have paid so far as well as three years -- and there is no guarantee that creditors will be so willing second time around. You could find yourself deeper in trouble.
What issued are you experiencing ?
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Which company are you with? This is not good advice.
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've been with SC for nearly 5 years, they've been fine but since covid everything has slowed down in terms of getting responses - but I assume they're possibly running on skelton staff (or were once it hit) or just extremely busy because of the times (my IP has apologised with this).
But I'll give them their due, calling them up there's never been any long waits (just my IP that is swamped!)
What is it you are trying to communicate that is receiving little, no response? Can you choose a different way to communicate maybe - send a letter registered post so you have a clear confirmation that query has been received.
Send emails using a read receipt tracker and retain all emails as your evidence of communicating.
As foggy says you are half way through, persevere now, as the end is in sight and getting closer.
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
