Would we also take off solicitors fees and how much are these likly to be?
Would we also need something from our mortgage company.
We would be offering £2892. Under the 24 months remaining this includes the 12 months added for the equity.
Does this sound ok regarding our ill health.
Krif wrote:We are going to offer £7500. Our monthly payment are £433 × 24 = 10392. ( 12 months remaining then 12 months equity) can only get £7500 so would be £2892 under the full amount we would be paying if it went to the end.
Ah right -- sorry -- I was a bit worried, thinking you were offering £2892 ! I think, considering the issues as well as the savings they would be making on 2 years administration, that £7,500 would be a good offer.
As you are not contesting the existence of equity I would suggest just providing the offer and third party letter at the outset --- they do not really need to go through the valuation exercise (although you will have to comply if they do wish to waste everyone's time)
She won't do anything she's just passing it onto a different department who will call me back in 14 working days so that's 3 weeks. They will then tell me what paperwork I need to send them and do another income and expenditure even though they have just done one.
I asked if could just send the offer in writing she said no got to wait for them to call.
Sounds like they are just dragging it out to get more payments.
Is there anything I can do to speed this up.
Laura Harrop wrote:Hi Krif
If you could email me at email@example.com with your full name and address, I will happily look into this for you.
Good Grief --- that is a load of male bovine excrement !! Talk about making a simple thing complicated !!!! Get in touch with Laura Harrop (as per quoted message).
You could lodge a formal complaint with the firm and, if no joy, this can be escalated to their regulators as such delays are totally out of order.
Krif wrote:Is there a direct email for Laura as when I have emailed the customer service email before I never got a answer.
There used to be but they became unuseable for some reason ---- use the one Laura gave but put "FAO Laura Harrop - IVA Forum" in the subject line.
Krif wrote:I don't have a name or contact details for my ip. I have a name in the paperwork for someone who over sees it but no contact details for them.
When you call there are no options to get through the a complaints department.
The name of the IP will be on the Insolvency Register and they will be named in the Proposal (Supervisor). Have a look on their website for their complaints procedure. If you can't find it ask them -- they are obliged to tell you.
Ask the IVA Experts a QuestionSimply complete form and you will get an answer from our IVA Experts (multiple replies within an hour *)
* Any use of this forum is conditional on you having read and agreed to our terms and conditions.
* If you enter your phone number, Vincent Bond and Co Ltd will give you a courtesy call to ensure that your question has been answered.
* The question will be posted on our forum, we will email you the location