IVA is biggest mistake of my life!! :(

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MelanieGiles

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Post by MelanieGiles » Wed Aug 04, 2010 10:07 pm
What a shame that you do not feel that your are getting support from your IP, at a time when you most need it. It might help if you try and speak to the IP directly, as they may not be aware that their staff are being unhelpful.

With regard to the balloon payment, this is something outside of the ambit of your IP, and discussions should have been held with the finance company prior to the IVA being proposed. I know that this does not help you now, but it may serve as good advice for anyone in your situation who is currently contemplating and IVA and has a car on a similar finance agreement.

I am sure that the IVA can be saved and your job left unaffected.
Regards, Melanie Giles, Insolvency Practitioner
 
 

David Rankin

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Post by David Rankin » Thu Aug 05, 2010 1:57 pm
I am sorry to read that you are unsatisfied with the level of service provided. Please contact Adam Boys or Sharon Cheers who are members of the management team at Harrington Brooks IVA who will be best placed to help you resolve the situation.

Kind regards
David
 
 

Tina Shortland

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Post by Tina Shortland » Thu Aug 05, 2010 2:07 pm
Hi Christabelle,

Sorry to read about your problems - hope you manage to get things resolved - please keep us posted on how you are doing.

Best wishes,
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
 
 

Rachelmarymarie

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Post by Rachelmarymarie » Thu Aug 05, 2010 3:48 pm
Please help. I started my IVA 05-05-05 and was paying 250 a month, i couldn't cope with the payments and creditors agreed to lower them to 200 but extended it for another yr. I have 18 months left and im needing to lower them to 160.00 but dont want to add anymore time on, if i pay it all i wont have had a penny written off. Im pregnant and wont have the money to pay once the baby is born so need the payments to end may 2012. What can i do ? i dont want to fail as ive come so far, if the creditors agrred i would only have 720 written off. Im with Harrington Brooks and they are not returning my calls or emails. Best bit is I also need the standing order details again as my bank has cancelled it due to changing hands.... Please help
 
 

Michael Peoples

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Post by Michael Peoples » Thu Aug 05, 2010 3:56 pm
Hi Mary and welcome to the Forum.
Given your circumstances it may be best if creditors accepted what has been paid to date as full and final settlement. You have complied with the IVA and shown intent to pay so contact your IP and I am sure he will be able to help.

David Rankin who has posted above is the IP at Harrington Brooks and has given people to contact. Ring or email them and hopefully everything will be resolved.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

Rachelmarymarie

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Post by Rachelmarymarie » Thu Aug 05, 2010 4:04 pm
Hi David

I have just posted as shown below and someone has advised me to speak with you as due to my circumstances the creditors may accept the payments i have made as a full and final settlement. I am with Harrington Brooks

Thank you

Please help. I started my IVA 05-05-05 and was paying 250 a month, i couldn't cope with the payments and creditors agreed to lower them to 200 but extended it for another yr. I have 18 months left and im needing to lower them to 160.00 but dont want to add anymore time on, if i pay it all i wont have had a penny written off. Im pregnant and wont have the money to pay once the baby is born so need the payments to end may 2012. What can i do ? i dont want to fail as ive come so far, if the creditors agrred i would only have 720 written off. Im with Harrington Brooks and they are not returning my calls or emails. Best bit is I also need the standing order details again as my bank has cancelled it due to changing hands.... Please help
 
 

terrytibs55

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Post by terrytibs55 » Thu Aug 05, 2010 4:06 pm
may i suggest that you contact the company i dealt with *link deleted*
they will sort this mess out for you.[:0]
Last edited by terrytibs55 on Thu Aug 05, 2010 4:59 pm, edited 1 time in total.
 
 

Rachelmarymarie

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Post by Rachelmarymarie » Thu Aug 05, 2010 4:11 pm
Thank you for your help. I didn't know that this was something that was possible.

Thank you again [:)]
 
 

Michael Peoples

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Post by Michael Peoples » Thu Aug 05, 2010 4:30 pm
Mary.
Hopefully someone from Harrington Brooks will see this but it may be best to send a copy to them directly as well.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

Michael Peoples

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Post by Michael Peoples » Thu Aug 05, 2010 4:36 pm
http://www.debtresolutionforum.org.uk/d ... ofiles.php

Mary.

Your IP is on this Forum and you can get his email address if you clink on this link and scroll down.

Admin.
I hope it ok to put the DRF website address on here but if not delete it before I get into trouble.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

kallis3

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Post by kallis3 » Thu Aug 05, 2010 5:01 pm
No problem with that Michael.

There is also this link:

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