Bad Experience

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Piggy Wiggy

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Post by Piggy Wiggy » Fri Jun 22, 2007 12:46 pm
I've had my IVA a year now and i feel its the worse thing i ever did, i have had more stress from the IVA company (Accuma) than i had through my debts!

I first rang Accuma in Oct 05 who said an IVA would be the best option, taking 3 months to get sorted. I cancelled all my debt DD on their suggestion and changed banks to a basic account (even though my bank account was never overdrawn, and that move has been the bain of my life ever since!). In June 06 9 MONTHS [:(]later my IVA was finally agreed, i'd had months of letters and phonecalls demanding payments (which i'd never had before). In the August i rang to find about options for moving house etc and what if's, and that again took over 2 months, people saying they would ring me back, and never doing so and many phoncalls from me chasing answers. Finally i had a phonecall telling me not to move until a year of my IVA, then the very next day someone else rang me to say, it was not a problem, move when you like!!!

In Jan this year i decided to move, i wanted to sell my house and rent in another area (neighbours from hell!) I rang Accuma to find out what i needed to do, and aside from the basics, i was told that as i would only make about £1500 profit, i would be able to keep it. (Part of my IVA agreement was to release any equity in my house after 4 years, but as i was interest only, there would not have been any to release and i was advised at the time that Accuma would argue against this as by then i would have made xtra payments). Nothing was mentioned about this clause. I moved into my new accommodation with the sale of my house taking a bit longer than i thought as the buyer dropped out after 4 weeks and i'd made a commitment on my new house so i still moved. My parents lent me money to cover the rent & mortgage as i had said i could pay them back with my sale profits.

Finally my sale came through. i had to chase Accuma several times as they had not responded to my letters (they had a 6 week backlog of post!) Then i was told i would have to pay another year on top of my IVA AND give all my profits to the IVA!!! I was allowed 1months deposit and a few £00 moving costs. Despite paying 2 months deposit, because my partner was moving in this summer Accuma said he would have to give me half the deposit!! (do boyfriends give you half your deposit when you have brought a house before them! NO!) I explained i needed to pay back my family but was told tough! I also said about the advice i had been given ref being able to keep the small profits and the lady in question emailed me saying she's been off sick lots in Jan and basically said i was making it up!!! (despite my having her direct line, name etc and notes in my book of the conversation!!!) I never received an apology. It was a pretty devasting experience.

Now i have just changed jobs, and yet again Accuma (to me) are behaving dreadfully. I left my old job 1 week before pay day, and was somewhat gobsmacked when i got my pay cheque which was only for 1 weeks wages (it turned out i was paid 2 weeks in advance!). I had written and rang Accuma back in May to ask for my DD date to be changed as my new wages would be paid at the end of the month, not in the middle. I rang Accuma as soon as i had my payslip to see if this DD had been changed as there was no way i could pay on that date with 1 weeks wages. The DD had not been changed (still a huge back log of mail). I explained the situtaion and was told to cancel it for the date and reinstate it for the 1st but i would have to pay 2 months in one go (despite only being 2 weeks late) I explained that i had 1 weeks wages to last me 2 weeks, and my next pay would only be for 3 weeks, but that would have to last me till August (6 weeks wages to cover 8 weeks)But i was told, they cant treat me differently and i have to pay 2 months in one go! I thought an IVA was based on income, Accuma are acting like a debt collection agency now, not a debt mgt company. There is no physical way i can pay 2 months worth with only 6 weeks wages! Accuma also still tried to take the IVA payment as normal! (thank god my bank had cancelled it in time)

Can they do this? All my expereinces make me want to jack the whole thing in and go bankrupt. I now have an extra year,i owe my parents money, i had huge stress with the debt chasing and i just dont think this is worth it anymore. [:(]

HELP!

Thanks
Piggy
Last edited by Piggy Wiggy on Fri Jun 22, 2007 1:32 pm, edited 1 time in total.
Thanks
Piggy
 
 

Helhan

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Post by Helhan » Fri Jun 22, 2007 1:16 pm
Hi Piggy
Don't have any answers to your questions as we are just starting the ball rolling ourselves(not with Accuma), but it sounds like a nightmare. Are you not able to speak with your IP directly? Could you arrange to make an extra payment at the end of the 5 years to cover the months missed payment? I'm sure one of the experts will have answers for you!
Good luck
Helen
 
 

Piggy Wiggy

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Post by Piggy Wiggy » Fri Jun 22, 2007 1:26 pm
Thanks Helen.
Alas Accuma recently changed my IP and appointed the person who had basicaly called me a liar back in Jan, a somewhat tactless appointment i feel and alas i have no desire to speak to them. everytime i do speak to someone at Accuma, i just get different answers!

Thanks
Piggy
Thanks
Piggy
 
 

Skippy

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Post by Skippy » Fri Jun 22, 2007 1:39 pm
Although Accuma dealt with my initial IVA query efficiently, I did find them slow at dealing with correspondance. I had a bonus in December, wrote and told them but didn't receive a reply until the middle of February, by which time I'd advised them that I was going BR. When I told them this, my IP phoned me and was very helpful with the advice he gave me. He wasn't my original IP - I never spoke to him.

I also had a problem getting my paperwork back after I went BR, but I did get it back eventually.

If you really can't face talking to your IP I would put everything in writing and send it by recorded delivery giving him 14 days to respond.

Good luck, and please let us know how you get on.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/
 
 

accgroup

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Post by accgroup » Fri Jun 22, 2007 3:03 pm
Hi Piggy Wiggy

I'm sorry to hear about your experience. I expect your IP will contact you shortly to discuss this matter (from what I can see your IP hasn't changed since your IVA was approved). Hopefully your issues will be resolved once you have discussed things with him.



AccumaGroup - A large insolvency practitioner service based in Manchester.
www.accumagroup.com
 
 

Piggy Wiggy

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Post by Piggy Wiggy » Fri Jun 22, 2007 3:36 pm
The power on a forum! Just had my IP on the phone who was pretty helpful in sorting the 2 monthly payments out and they've agreed to spread the missing 'month' payment over the next year (which i'm still confused on as i'm only 2 weeks late but its obviously a creditor thing with just viewing a mising 'month'. My IP didnt change, my day to day admin was changed over to the other person.

Bit spooky how they saw this topic and worked out who i was and rang me within a few hours!

Better watch what you type! :-)

Thanks
Piggy
Thanks
Piggy
 
 

BECKY

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Post by BECKY » Fri Jun 22, 2007 3:51 pm
spooky well hopefully they'll read my posts and get my mess sorted too
 
 

BECKY

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Post by BECKY » Fri Jun 22, 2007 3:58 pm
accuma if ur still around what are ur opening hours
 
 

accgroup

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Post by accgroup » Fri Jun 22, 2007 5:00 pm
Hi Becky

Please feel free to call if you have a problem with your IVA. There should be someone here to answer your call until 5.30 tonight, but if you can't call before then you will have to try again on Monday.

Hope this helps



AccumaGroup - A large insolvency practitioner service based in Manchester.
www.accumagroup.com
 
 

Adam Davies

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Post by Adam Davies » Fri Jun 22, 2007 5:40 pm
Hi
Good to see a Accuma responding and it would be good to see more companies posting on this site.
Remember we read about positive experiences on this forum also and Accuma have been party to many of those.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp
Andam Davies
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