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artemischild

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Post by artemischild » Mon Jun 14, 2010 4:15 pm
Hi all

I’ve just had a call from DFD (who my IVA is with) on my recent I&E there is a payment foe £160 each month, this goes to my partner to pay for my car which is essential for work, there no saying this may not been allowed to be listed as an expenditure and they might be increasing my payments per month by another £200! Im really concerned that this is going to A) add strain to my relationship and B) leave me in a position each month that will leave me literally unable to do anything, see friends, even use the car and visit a family member due to no being able to afford the petrol. I can feel me becoming stressed already and I know I will not be able to cope with another 22 months of living like this. I thought IVA were meant to help!!

I factored the £160 in per month, if they take that away how am i supposed to live???

I really feel like DFD have never fully explained anything to me over the last 3 years, the lady i have been speaking to recently, i have spoken to twice over the last 2 weeks and i think its the most ive spoken to anyone from DFD in the last 3 years (since i started my IVA)

As im sure you can imagine im feeling pretty low and worried at the mo......just when you feel things are finally going smoothly!!!

Arty
)O(
IVA completion and certificate received 08/10/2012!!!
 
 

rayb

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Post by rayb » Mon Jun 14, 2010 4:30 pm
Declan from DFD posts on here so hopefully he will pick it and get this resolved asap for you
 
 

artemischild

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Post by artemischild » Mon Jun 14, 2010 4:30 pm
No helen, i wasnt driving then! Its only appeared in the last 12 months! Ive been told by DFD that i should have contacted them and see what could have been arranged, well considering no one from DFD has ever contacted be apart from by letter each year for the review how was i supposed to know what other options i had??

Also im sure you can understand i dont want to take a payment holiday and extend this hell any more!!

This is seems very hard for 22k's worth of debt which only 16k has been claimed against!
IVA completion and certificate received 08/10/2012!!!
 
 

artemischild

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Post by artemischild » Mon Jun 14, 2010 4:32 pm
Hi Ray

i know, ive emailed him directly with ym query!

I guess its yet again another week of sleepless nights waiting for DFD to finally get back to me with a decision!!
IVA completion and certificate received 08/10/2012!!!
 
 

Tina Shortland

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Post by Tina Shortland » Mon Jun 14, 2010 4:36 pm
Hi artemischild,

Sorry to read what a nightmare you are having. I hope you manage to get this resolved asap. I know communication sounds like it has been difficult but its always best to be upfront about any changes in your circumstances so that your IP has the best chance of working with you on them. I do hope they can sort it out for you so you can continue in a manageable way.

Keep us posted.

Regards,
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.
 
 

artemischild

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Post by artemischild » Mon Jun 14, 2010 4:43 pm
IP??? what IP???

Just been told mt DFD that you dont get to speak to your IP, they have a 'team' under them who you will deal with, not your IP directly!!!

Apparently thay dont deal with the 'day to day running of an IVA'.....i didnt realised situations like this was day to day!!!
IVA completion and certificate received 08/10/2012!!!
 
 

kallis3

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Post by kallis3 » Mon Jun 14, 2010 4:45 pm
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
 
 

artemischild

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Post by artemischild » Mon Jun 14, 2010 4:48 pm
Hay all

ive just spoken to the office again and been assured its in hand and its looking like they may be able to deal with this, i'll find out friday afternoon after its been discussed by the superviser!

Arty
IVA completion and certificate received 08/10/2012!!!
 
 

Shining

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Post by Shining » Mon Jun 14, 2010 6:08 pm
Hope it goes well for you on Friday let us know won't you ? x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

artemischild

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Post by artemischild » Mon Jun 14, 2010 6:52 pm
Thanks guy, i will let you know on friday!! fingers, mittens and eyes crossed

arty
IVA completion and certificate received 08/10/2012!!!
 
 

Adam Davies

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Post by Adam Davies » Mon Jun 14, 2010 8:21 pm
Hi
To be fair to DFD any major increase in expenditure needs to be approved by the IP/Creditors.It sounds like communication problems and I hope that you can get it sorted
Regards
Andam Davies
 
 

jen245

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Post by jen245 » Mon Jun 14, 2010 8:23 pm
We had the same issues with DFD, they are nightmare. IPs there dont speak to their clients, thats what they have customer services for. We demanded on numerous occasions to speak to our IP, and were told that they dont take calls. Our IVA is done now as we did a F&F settlement, but even up to the creditors meeting, we still felt like we were banging our heads against a brick wall with them as they dont listen, unless they are benefitting from whatever you are telling them. We are now dealing with them through the proper channels.

I really do hope you manage to get your issues resolved
 
 

artemischild

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Post by artemischild » Mon Jun 14, 2010 8:28 pm
Ive been told that they are now a huge company and have recently taken on lots of work from other IVa companies that have folder or closed, not sure how true this is but it would sure explain why everything takes so long etc

I was really suprised today, after reading so many posts on this site advising people to 'contact your IP' and when i tried i had that response! Guess i was a little taken back really!
IVA completion and certificate received 08/10/2012!!!
 
 

MelanieGiles

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Post by MelanieGiles » Tue Jun 15, 2010 1:26 am
IPs need to remember that they are personally appointed to their cases and as such must take personal responsibility for dealing with their clients as necessary.

If any of my staff told a client that I don't deal with "day to day" stuff, I'd have them cleaning the floor with a toothbrush!
Regards, Melanie Giles, Insolvency Practitioner
 
 

Til

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Post by Til » Tue Jun 15, 2010 8:34 am
Hi Arty
For what it's worth we are with DFD and I recently emailed my IP direct after finding her contact on this link:

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

I had a problem we needed help with and I emailed late one evening - I then got a very helpful response via email sorting it for us from my actual IP that very same evening (about midnight if I recall!) - so if you look up your IP and email them direct I am sure that you might find you can bypass the customer services team at least a little if you are not getting anywhere - good luck
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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