Still no variation meeting for full and final.

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Pigger479

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Post by Pigger479 » Mon Mar 18, 2019 5:02 pm
I’ve spoken to my IVA company again today about my full and final offer and once again told that it’s being written. Iv said to them I’ve read the protocol and a variation meeting should be set within 21 days of them receiving my request which as of tomorrow is 21 days i get the feeling it’s being stalled until my annual review!!! Any ideas on where I can go from here to push it along as phoning them isn’t making a difference. I completely understand that workloads are massive etc but would rather just be told that then it should be a few days again and again.

Foggy

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Post by Foggy » Mon Mar 18, 2019 5:08 pm
Make a formal complaint, direct to the IP, mentioning that you will be escalating the matter to their regulators via the Government Gateway.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Pigger479

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Post by Pigger479 » Mon Mar 18, 2019 5:14 pm
Mon Mar 18, 2019 5:08 pmFoggy wrote:
Make a formal complaint, direct to the IP, mentioning that you will be escalating the matter to their regulators via the Government Gateway.

I will email them end of day tomorrow if I haven’t had a call from them. I’m just frustrated as I’ve kept my end of the bargain with the IVA always paid on time and submitted overtime etc and now I feel like I’m being shrugged off

Pigger479

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Post by Pigger479 » Mon Mar 18, 2019 5:24 pm
They emailed me And they want to do a review of income and expenditure now?

Foggy

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Post by Foggy » Mon Mar 18, 2019 5:50 pm
The variation meeting has to be called within 21 days of your IP getting all the information they require --- NOT from the date of your request. My guess is that they have thrown this into the pot to give themselves more time. If they had genuinely wanted it they would have asked for it before now (just guessing). Unfortunately, it is good practice to enable the creditors to see what the picture is at this moment in time, so difficult to argue against. However, I think they are using it to hide behind.
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

Pigger479

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Post by Pigger479 » Mon Mar 18, 2019 6:18 pm
This is absolutely rediculos so it’s taken them 3 weeks to realise that they need income and expenditure from me

Pigger479

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Post by Pigger479 » Tue Mar 19, 2019 5:29 pm
Mon Mar 18, 2019 5:50 pmFoggy wrote:
The variation meeting has to be called within 21 days of your IP getting all the information they require --- NOT from the date of your request. My guess is that they have thrown this into the pot to give themselves more time. If they had genuinely wanted it they would have asked for it before now (just guessing). Unfortunately, it is good practice to enable the creditors to see what the picture is at this moment in time, so difficult to argue against. However, I think they are using it to hide behind.
Foggy,

Could this potentially mean that I now have to wait another 21 days before they set the creditors meeting? Which means another payment from myself in March and likely April. Is it worth still making a complaint as suggested to the IP or have they covered themselves by asking for a I&E. I’m starting to find the whole thing incredibly stressful due to the complete lack of communication by them

kallis3

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Post by kallis3 » Tue Mar 19, 2019 5:35 pm
I would make a complaint - you should not have to be waiting this long.
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Foggy

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Post by Foggy » Tue Mar 19, 2019 5:53 pm
They appear to have covered themselves, but I would scomplain anyway as they are simply taking far too long to carry out a relatively simple task. On the plus side you could, if you wished, add in a clause that the lump sum amount will reduce by payments made since you tabled the offer. However, this could make the offer sound less attractive to creditors -- bit of a game and gamble ...."IVAexit" !
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

Pigger479

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Post by Pigger479 » Tue Mar 19, 2019 5:58 pm
Tue Mar 19, 2019 5:53 pmFoggy wrote:
They appear to have covered themselves, but I would scomplain anyway as they are simply taking far too long to carry out a relatively simple task. On the plus side you could, if you wished, add in a clause that the lump sum amount will reduce by payments made since you tabled the offer. However, this could make the offer sound less attractive to creditors -- bit of a game and gamble ...."IVAexit" !
I’m happy with the money to stay In it. However I feel that due to the fact I have got lucky with my bonus and overtime this year they are now going to say that the offer isn’t high enough. They have always factored my overtime, standby call payments and bonus into my Iva payment and working for a utility company We’ve been extremely busy over the last year. I have always phoned and paid when I’ve gone over so there will be no arrears due I can just see all of this going down the pan.

luluj

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Post by luluj » Tue Mar 19, 2019 6:28 pm
It does seem very unfair ...I would certainly still complain - you have nothing to lose in doing so.
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Pigger479

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Post by Pigger479 » Tue Mar 19, 2019 6:34 pm
Tue Mar 19, 2019 6:28 pmluluj wrote:
It does seem very unfair ...I would certainly still complain - you have nothing to lose in doing so.
I have just phoned them and apparently it’s with the IP as he wanted some amendments so I’m unsure what that means....

kallis3

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Post by kallis3 » Tue Mar 19, 2019 6:49 pm
Keep pestering!
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

Pigger479

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Post by Pigger479 » Tue Mar 19, 2019 7:25 pm
Tue Mar 19, 2019 6:49 pmkallis3 wrote:
Keep pestering!
I’m just going to phone them every evening until I get an answer!
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