Vanguard won’t give me a date

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Pigger479

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Post by Pigger479 » Tue Mar 12, 2019 6:24 pm
Hi spoken to my Iva company about my full and final today. I’ve asked how far along it is and if they had any idea when variation meeting would be .. was given the answer we don’t know yet. Now I completely understand they are busy but this is frustrating me as every month they are clocking in more payments off me. When my offer was made it was onmy outstanding payments now it looks that at least another £900 is going into my IVA before I’ll have an answer. Is there anything I can do to try and push it along or am I just powerless

kallis3

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Post by kallis3 » Tue Mar 12, 2019 6:32 pm
Keep pushing them - it's your IVA after all.
You also need to get them to take off your payments to date so you owe slightly less.
http://kallis3.blogs.iva.co.uk/
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.
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Foggy

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Post by Foggy » Tue Mar 12, 2019 6:44 pm
If they have not yet drafted the variation you could ask that it be amended to reflect that payments made after a given date ( which you decide) will be deducted from the lump sum offered.
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 » Tue Mar 12, 2019 6:48 pm
Variation report has been written apparently but they can’t tell me when day of meeting is. It’s in quality control according to the chap I spoke to on the phone .

kallis3

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Post by kallis3 » Tue Mar 12, 2019 7:52 pm
Keep on at them!
http://kallis3.blogs.iva.co.uk/
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.

Pigger479

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Post by Pigger479 » Tue Mar 12, 2019 8:20 pm
Just seems that it took a few weeks to set up at the start and now potentially months finish it! It’s like they are waiting for my yearly review to see if my payments are going to go up

Lisa Thomas

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Post by Lisa Thomas » Wed Mar 13, 2019 12:39 pm
Yes - check your terms and conditions and remind them that they only have 21 days to call the creditors meeting to consider the variation...
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk

Pigger479

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Post by Pigger479 » Wed Mar 13, 2019 6:55 pm
Wed Mar 13, 2019 12:39 pmLisa Thomas wrote:
Yes - check your terms and conditions and remind them that they only have 21 days to call the creditors meeting to consider the variation...
I’ll have a look at my original documents but I’m guessing this is standard in all IVAs?

Lisa Thomas

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Post by Lisa Thomas » Wed Mar 20, 2019 3:39 pm
Yes it is a standard term in many IVAs.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk

Pigger479

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Post by Pigger479 » Wed Mar 20, 2019 3:55 pm
Wed Mar 20, 2019 3:39 pmLisa Thomas wrote:
Yes it is a standard term in many IVAs.
Well it’s taken them 3 weeks to ask
Me for an income and expenditure form so no variation meeting date as of yet...

kallis3

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Post by kallis3 » Wed Mar 20, 2019 4:45 pm
Keep pestering them and tell them they HAVE to give you a date otherwise you will make a complaint.
http://kallis3.blogs.iva.co.uk/
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.

Pigger479

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Joined: Tue May 16, 2017 5:07 pm

Post by Pigger479 » Wed Mar 20, 2019 6:38 pm
Wed Mar 20, 2019 3:39 pmLisa Thomas wrote:
Yes it is a standard term in many IVAs.
So... I phoned them again today and apparently my variation needed amendments but they can’t tell me what amendments are needed. I have said about the protocol with it needing being done in 21 days of my written request and that kind of fell on deaf ears.. I’m literally at my wits ends with them. They can’t give me any answers to my questions. How long should this take realistically ? Will making a formal complaint speed it up ?

kallis3

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Post by kallis3 » Wed Mar 20, 2019 10:16 pm
Keep on at them - this is not acceptable.
http://kallis3.blogs.iva.co.uk/
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.

Pigger479

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Joined: Tue May 16, 2017 5:07 pm

Post by Pigger479 » Thu Mar 21, 2019 6:20 pm
Wed Mar 20, 2019 10:16 pmkallis3 wrote:
Keep on at them - this is not acceptable.
They phoned me today and said that the variation report has been processed and now waiting for a date!

kallis3

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Post by kallis3 » Thu Mar 21, 2019 6:45 pm
Fingers crossed!
http://kallis3.blogs.iva.co.uk/
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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