Payment level increased for no reason

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ray428

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Post by ray428 » Thu Dec 03, 2020 9:53 am
Hi my IVA is now being administered by Ebenegate on behalf of Vanguard. My IVA has just been reviewed and Ebenegate has decided to increase my payments by £93 which will put me into hardship. Nothing has changed financially since the last review and I have kept within the 10% of earning with my overtime at work. What can I do to get to increase reversed.

kallis3

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Post by kallis3 » Thu Dec 03, 2020 10:06 am
You need to ask them to provide proof of where the increase comes from. Has anything altered since last year - have you had a payrise?
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

ray428

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Post by ray428 » Thu Dec 03, 2020 10:41 am
Hi, No I haven't had a payrise. I have no additional income everything is the same. The only difference I can think of is the way I pay my bills I transfer £140. to my wifes bank account to put towards bills. Last year I gave her the cash towards the bills.

kallis3

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Post by kallis3 » Thu Dec 03, 2020 10:51 am
You need to explain this to them, and ask why this has made a difference.
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

ray428

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Post by ray428 » Thu Dec 03, 2020 10:58 am
Thank you for the advice. I have emailed them, since no one will take my call when I phone them.

Foggy

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Post by Foggy » Thu Dec 03, 2020 11:27 am
Email them asking for an explanation --- if you look yourself up on the Insolvency Register here: https://www.insolvencydirect.bis.gov.uk/eiir/ (search by name, then click on your own entry in the results. This will drill down to the IPs details). Then contact the IP directly.
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

ray428

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Post by ray428 » Thu Dec 03, 2020 11:32 am
Thanks Foggy I have done that. Just waiting for a response. I have the IP details so I will complain to him if they do not respond or decrease the payment.

Foggy

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Post by Foggy » Thu Dec 03, 2020 11:42 am
If you get nowhere with the IP you can escalate to their regulatory body via the government gateway here: https://www.gov.uk/government/publicati ... actitioner
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

ray428

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Post by ray428 » Thu Dec 03, 2020 12:05 pm
Thanks for that :D
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