I just realised that I was manipulated and misrepresented during my IVA application in order for it to pass. Subsequently my monthly payment went up +50% of original payment offered. I was told to lie on income and expenditure form. Was sent text to what to say to auditor. And lots more. Have I got a legal case?
You should not have been told to lie. Do you have any paperwork at all other than a text. What were you told to say?
Who is your IP company?
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
It is common for the IVA payment to be amended at the creditors initial meeting, usually by small amounts, and you should be asked if you agree to the increase before the IVA is put in place --- unfortunately refusal can mean no IVA.
How long have you been in your IVA ?
This is a bit of a catch 22 situation --- if your IVA is deemed to be 'unsafe' you could lose it's protection and be at the mercy of creditors once more. You could challenge the IVA in court --- it could be very costly however and 'manipulation' would be a hard thing to prove.
Alternatively you could lodge a formal complaint with your IP and escalate this to their regulatory body if no helpful response.
Without seeing everything it is impossible to say what could be done and what the outcome might be, but, bear in mind, one possibility is the voiding of the IVA.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Hi Janine, could you explain a little more? Which auditor? I have had a call with my IP and another call to go through my situation income and outgoings and list of creditors and now have my CM meeting on the 2nd of September, is there another call after this?
I ask because my IP asked me to lie about my partners income, which I don’t see how that takes into effect because these are my loans etc...
I am really hoping mine goes through we put down £850 a month for 5 years. Which I think is pretty good considering that they would get their money back just with no interest. It’s the interest that is killing me! I paid one card £137 and £90 went towards interest so only paid off £47 off the actual card!
I think she means either her case worker or the IP.
The only call you will have after your meeting is one with the result.
Your partners income is only taken into account for the household expenses. If they are not given then they will considered as a 50/50 split.
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
