Quick question regarding additional creditor

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indebtscared

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Post by indebtscared » Tue Sep 07, 2010 12:37 pm
Hello, not sure if anyone can help, but I have contacted Payplan this week, as I have seen that they have added British Gas to my creditors list, without any correspondance to me.
When I have asked them why they have replied that BG look at DTI website to see if they can find any customers who owe them money.
BUT I have an email from BG informing me that I need to take no further action that the outstanding ammount of £9.0 will be written off, and my new account has been opened with a credit balance.
Can payplan added a creditor without my knowledge or consent and can BG now claim the money they have informed me in writting they have written off ?
Confused.
 
 

liamjames

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Post by liamjames » Tue Sep 07, 2010 12:45 pm
Is the British Gas debt for £9? If so, then they may have decided that the administration costs of dealing with this debt outweighed the dividend they would expect.

I'd forward the letter to Payplan and let them deal with that! :)

But yes, any unsecured creditor you owe money to should be included in the IVA. If someone submits a valid claim to Payplan, they need to include it. This won't normally affect the amount that you pay back, but check with your IP in case there is a minimum required dividend for your creditors.

:)
Take care,

Liam James
Varden Nuttall
http://www.vardennuttall.co.uk

Read our reviews here: http://www.iva.com/iva_companies/Varden_Nuttall.asp
 
 

kallis3

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Post by kallis3 » Tue Sep 07, 2010 12:50 pm
I'd forward a copy, or scan it and send it via email and keep the original incase BG come back at some other time to query it. At least then you have proof.
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indebtscared

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Post by indebtscared » Tue Sep 07, 2010 1:09 pm
Thanks,we were not in arrears with BG, just they decided that they would close our existing accounts and open new ones ! I have forward Payplan the email I have had, as I consider it unfair, I would have willingly paid them the overdue 9.00ish, but they told me not too, incidently we are now well in credit with our new account, over a £150.00 built up over the summer months.
 
 

kallis3

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Post by kallis3 » Tue Sep 07, 2010 1:22 pm
BG always seem to do this - no idea why if you've no debt with them. Seems to cause more problems than it solves.
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.
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indebtscared

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Post by indebtscared » Tue Sep 07, 2010 3:27 pm
Hi I have heard back from payplan and apparently BG always tell the customers they will write off the debt then add it to the IVA anyway ????? I totally disagree that is acceptable, I was never in arrears with BG,but this makes me out to be in debt to them !if I have an email informing they have written it off then why pursue me, it is worth for the meager sum of £1.75 re-claimed back !! Not impressed
 
 

kallis3

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Post by kallis3 » Tue Sep 07, 2010 3:36 pm
I think it's bad as well.

I'm glad I'm not with them and would seriously think twice before considering them in future.
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
 
 

indebtscared

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Post by indebtscared » Tue Sep 07, 2010 3:49 pm
I have questioned this again with Payplan, as I have now forwarded them the comments from BG, which states that my new post IVA accounts, (IVA Approved 15th,account shut 15th opened new 16th): ( 1 day) is in credit ! HOW can I be in arrears then ?
 
 

kallis3

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Post by kallis3 » Tue Sep 07, 2010 3:53 pm
I wouldn't have thought that you were.

I think I'd query it again with BG and ask why it has been included when you weren't in arrears.
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
 
 

MelanieGiles

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Post by MelanieGiles » Wed Sep 08, 2010 12:37 am
It is a complete nonsense the way British Gas are currently dealing with personal insolvencies - and causing all of us work that adds no value, whilst at the same time losing money for their shareholders.
Regards, Melanie Giles, Insolvency Practitioner
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