I lost my job with £1500 left owing

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clarebuk74

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Post by clarebuk74 » Fri Jul 02, 2010 2:57 pm
Hi
i started an iva with Synergy in May 2005, because i had to change jobs and take a reduction in pay my iva was extended a year, unfortunately in March i lost my job and requested that the remaining debts be written off.
I have heard nothing in the last 3 months from Synergi or Cleardebt so i emailed yesterday asking what was happening. A gentleman phoned today and said there was a delay getting the creditors and he would be writing to them next week, but according to his colleagues they would refuse and put me into bankrupcy unless i agreed to another extension.
Now i hold my hands up to my debts but to keep dragging this out now and if i dont find employment in 6 months what then, and as only owing £1500 by the time that has been shared out amongst all would be look at £70 each.
I asked the synergy person as to why no one had been banging my door down as no payments made for the last 3 or 4 months why would they then take such extreme measures.
I also have extenuating circumstances in that my dad has been diagnosed with Lung cancer and for his peace of mind i just want this over with.
Should i find employment in the next few weeks i would gladly pay what is owing.
What do i do
 
 

rayb

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Post by rayb » Fri Jul 02, 2010 3:58 pm
I agree with Helen, it is highly unlikely they would bankrupt you now. Speak to your IP directly via the link below and take advice and I am sure this will be concluded.

http://www.insolvency-service.co.uk/newipsearch.htm
 
 

rayb

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Post by rayb » Fri Jul 02, 2010 4:03 pm
Not a problem Helen, I have given that link out so many times I think I know it off by heart lol!!!!
 
 

size5

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Post by size5 » Fri Jul 02, 2010 7:13 pm
I am at home at the moment and so have no access to our systems, but if you wish to e mail me direct over the weekend, my details are in the experts section on the left, then I will make sure that it is followed up on Monday morning.

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Shining

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Post by Shining » Sat Jul 03, 2010 6:36 am
I hope you take Mike up on his offer to look at this for you as I'm sure he'll do his best x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

clarebuk74

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Post by clarebuk74 » Sat Jul 03, 2010 12:01 pm
I dont want to get the guy in trouble but it Karl Gambles who contacts me all the time so if he doesnt know what he is doing then god help me, i get no replies from yourselves have to keep mailing i am not even convinced my Iva was extended but the letter is unsigned at my end
 
 

clarebuk74

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Post by clarebuk74 » Sat Jul 03, 2010 12:46 pm
yes i just try to find some paperwork it doesnt tally up they extended a year but kept ask for the form and there no review from creditors meeting where the rates went up and then my IP was ordered off my case in court
I dont like it
 
 

clarebuk74

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Post by clarebuk74 » Sat Jul 03, 2010 12:59 pm
I know cleardebt obviously taken over synergi but every post on line states that no payments have been made to other clients and directors being investigated. They gone under themselves how do i know anything i paid has gone to the creditors, when i queried why the creditors would refuse to write my debt off when they havent even asked why i havent paid the last 2 months he kind of hesitated and said oh they get a payment once a year so they probably not realised yet.
Have i been done over here where do i get proof of payment
 
 

MelanieGiles

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Post by MelanieGiles » Sat Jul 03, 2010 2:05 pm
You are now with a very reputable company - who may be experiencing some difficulty in tackling the sheer volume of issues which arise out of taking over a very large portfolio of cases.

Clearly yours is an individual case - and it is vitally important to you given the circumstances you describe. I am sure that Size 5 will look into this for you on Monday and sort it out - from my limited knowledge of your circumstances I would be very suprised if creditors would not accept what they have recieved to date in full and final settlement of all claims against you.
Last edited by MelanieGiles on Sat Jul 03, 2010 2:06 pm, edited 1 time in total.
Regards, Melanie Giles, Insolvency Practitioner
 
 

size5

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Post by size5 » Thu Jul 08, 2010 12:25 pm
I have been asked to follow this thread up on here and David has asked me to post the following reply.

“ At Synergi/Cleardebt Limited, we are sorry to hear of the situation regarding your father’s health and your own difficulties relating to your employment situation.

However, as you have chosen to post items onto the forum, it would seem appropriate for the full facts of your situation to be disclosed.

As you say, your Arrangement was approved in May 2005, when you agreed to make 60 contributions of £322 per month. Two years later, there were already substantial arrears on account of the contributions you were required to pay.

As a result, your creditors agreed in August 2007 that your contributions could be reduced to £175 per month, on the basis that your Arrangement was extended until May 2011. The anticipated dividend was then reduced to 28p in the £.

Although your Arrangement is currently some £1,500 in arrears, you are also required to make contributions for a further 12 months.

You have expressed the view that your creditors should accept the contributions you have made to date in full settlement of your obligations. Our view is that they must agree to do so and given the history of your IVA are unlikely to do so.”

If I can help further than please do not hesitate to ask.

Regards.
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clarebuk74

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Post by clarebuk74 » Thu Jul 08, 2010 7:08 pm
so what do i do, if i dont have a job how can i pay
i dont understand the substantial arrears, i changed job which meant a massive pay cut, i spoke to synergy before do so to get advice
 
 

kallis3

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Post by kallis3 » Thu Jul 08, 2010 11:16 pm
Why don't you email Size5? His contact details are under the experts link on the left hand side of the page. He can furnish you with a phone number to possibly speak to him which might be better.
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
 
 

clarebuk74

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Post by clarebuk74 » Fri Jul 09, 2010 6:10 am
No
to be honest i feel had my trust trampled on, size 5 approached me to look at my file, i dont think it was right the company demanded my case be made public without my permission, i thought had data protection, i still dont understand half of it. I was hoping for help
 
 

kallis3

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Post by kallis3 » Fri Jul 09, 2010 7:48 am
We have been trying to help you, but obviously the fine details lie with Cleardebt now and it is to them that you have to speak.

By starting your initial thread you made your details public and David Mond has put forward Cleardebt's side of the problem. No one can identify you from those details or your user name.

I suggest that you speak to them offline.
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
 
 

admin

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Post by admin » Fri Jul 09, 2010 8:12 am
Hi Clare,
We are sorry that you are unhappy about the publicity, and if you wish this thread will be erased.
Admin

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