Fees added without my knowledge

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Nadja

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Post by Nadja » Mon Jan 25, 2021 9:49 pm
It’s so frustrating!! Tempted to just turn up at the office but there’ll probably be nobody there! They’re in Sale in Manchester so it’s not far from where I live!

johnny697

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Post by johnny697 » Tue Jan 26, 2021 11:58 pm
Hi Nadja;

Your IVA is from a service provider and your IVA is deemed as a commercial transaction; if you have a record of emails and written unanswered correspondence, you need to highlight this directly to them as a written complaint in finality. Stating that without the appropriate action and response you will be left with no alternative than to escalate a complaint directly to their regulator. Provide them 14 days, and then take further action

Further that during your IVA, due to non response they are in breach of the Services Directive and may need to be reported under Trading Standards and the initial premise of your dealings.

Nadja

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Post by Nadja » Wed Jan 27, 2021 12:51 am
Hi Johnny697, hope you’re ok! Thank you so much, that’s really good advice.
Today I called them 4 separate times, no answer but I left yet another voicemail as well as trying another online message to them!
They’re impossible to get in touch with!

Nadja

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Post by Nadja » Sun Jan 31, 2021 4:30 pm
Hi all, I’m back again I’m afraid!
I got through to Jarvis Insolvency and was told my balance is now £4900 (but over 68 months, not 60)
I offered 3k in full and final settlement. He said it’s too highly unlikely that it won’t be accepted and to carry on paying £124 a month for another 12 months then make the offer.
In the meantime, I contacted PRA Group (who I owe the money to)
They had no record of me having an IVA and had only received a payment of £100 4 days ago from Jarvis. (The only payment they’ve had since August 2018!!) The balance outstanding they quoted me wasn’t including all the payments I’ve been making since September 2018.
Jarvis said if I pay PRA group directly then anything I’ve already paid in will be lost.
Is it normal for the insolvency companies to not pay the creditors until the end of the IVA?
Thanks so much in advance!

kallis3

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Post by kallis3 » Sun Jan 31, 2021 5:01 pm
It is not down to them, it's your offer to make and if you insist they have to put it forward.

All of your creditors will have been informed of the IVA, I assume it was a call centre you spoke to and they often do not have a clue. Check your Chairmans report and it will say on there.

As to payments, initially, all payments will go to fees and then after that your creditors will start getting a dividend. Do not speak directly to your creditors. Let Jarvis sort it.
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

Nadja

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Post by Nadja » Sun Jan 31, 2021 5:30 pm
Hi Kallis3, I’ve just checked my chairman’s report. It only has one creditor on there rather than all 3. (It says NatWest underneath the voting schedule) It is the one that’s just received a £100 payment from Jarvis.
Also, due to a change in circumstances, my salary is now different by £200 a month less) and my rent is about to be increased so I will need to look at amending my monthly payments. Is this allowed to be done?
Also (sorry for all the questions)... what would happen if I just stopped paying and just wanted a 3rd party to pay a settlement figure?
My family are saying I should just stop my monthly direct debit and get away from the IVA/Jarvis. Is this possible?
Thanks again so much 🙏🏼

kallis3

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Post by kallis3 » Sun Jan 31, 2021 5:37 pm
You would have to let your IVA fail by missing three payments and in the meantime your creditors can (and probably will) add interest and charges so you end up owing more than your original sum.

A settlement figure means that you pay back your whole debt 100%plus fees. A full and final is different, and, if accepted, means the total of your whole debt is written off.

As your circumstances have changed, you need to speak to Jarvis and ask to do an new I&E to see if your payments can be adjusted.
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

Nadja

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Joined: Tue Jan 19, 2021 5:22 pm

Post by Nadja » Sun Jan 31, 2021 5:51 pm
Thanks again so much for such knowledgeable advice. 🙏🏼🙏🏼
I will (TRY) to contact Jarvis to do a new I&E with them and will also go forward for the full and final offer of 3k.
Thank you again

kallis3

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Post by kallis3 » Sun Jan 31, 2021 5:53 pm
Let us know how you get on.
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

Nadja

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Post by Nadja » Sun Jan 31, 2021 5:55 pm
I will do! Thank you so much 😊

Foggy

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Post by Foggy » Sun Jan 31, 2021 5:56 pm
You should not be dealing with any creditors yourself -- paying them outside of the IVA can fail the whole arrangement and you will have wasted all the money you have paid so far ! The creditors listed on the Chairmans Report are those who voted, but those who did not vote are still bound.

In an IVA the first payments go towards the nominees fees ( around £1750) for preparing the IVA. This should be detailed in the Report.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Nadja

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Post by Nadja » Sun Jan 31, 2021 6:42 pm
Oh my god I’ve literally gone into this so blind! So angry with myself for not taking any advice before starting this years ago! Gutted 😞
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