I have an active IVA, as well as a CCJ

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Michael Peoples

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Post by Michael Peoples » Wed Sep 20, 2017 8:44 am
Send the email to the IP as this has lead to good results in the past. No IP wants a complaint especially when they could be in breach of the terms and conditions. Point that out to the IP and advise that you will complain if fobbed off again. You may get priority and regardless you have nothing to lose.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
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If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com

Faye 123

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Post by Faye 123 » Wed Sep 20, 2017 10:53 am
Thanks - PayPlan are certain they are not in breach of terms and conditions. Is there anyway to know for sure they are?

Also - what should I say to the IPs?

Many thanks,

Faye

Michael Peoples

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Post by Michael Peoples » Wed Sep 20, 2017 2:27 pm
https://uk.trustpilot.com/review/www.payplan.com

Do not believe what you are told by Payplan. Ask for a copy of the terms and conditions that relate to your IVA and there will be a section on variations. It seems like you should just make a formal complaint and escalate to the Gateway rather than continuing on with your current dialogue.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com

Faye 123

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Post by Faye 123 » Wed Sep 20, 2017 3:51 pm
I have emailed both of the IP's named in the IVA document expressing my frustration with PP and the 4-5month wait for a full and final. I will let you know of the outcome.

I really appreciate the support xx

Michael Peoples

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Post by Michael Peoples » Wed Sep 20, 2017 4:13 pm
Good luck from me and hopefully this will get things moving properly without needing to escalate it to the regulators.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com

kallis3

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Post by kallis3 » Wed Sep 20, 2017 4:57 pm
Fingers crossed you can get this sorted.
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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Lisa Thomas

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Post by Lisa Thomas » Thu Sep 21, 2017 8:59 am
Make a complaint and if not dealt with satisfactorily you can follow up here:

The threat of reporting them to the Gateway should sharpen the up a bit.

https://www.gov.uk/complain-about-insol ... actitioner
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

Faye 123

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Post by Faye 123 » Fri Sep 22, 2017 5:01 am
Morning all,

Yesterday I received an email with a meeting date of the 24th October. This was one day after I emailed the IP directly. While I've had no response from the IP's, I think it may have done the trick!

The circular is in the post to me and if I get it back to them by Monday, the meeting can go ahead.

Thank you all for you help and advice, I really appreciate it xx

kallis3

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Post by kallis3 » Fri Sep 22, 2017 6:50 am
Fingers crossed!! It always pays to speak directly to the organ grinder.
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

Foggy

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Post by Foggy » Fri Sep 22, 2017 6:52 am
Let's hope everything goes smoothly from here.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

Faye 123

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Post by Faye 123 » Fri Sep 22, 2017 7:34 am
Sorry - me again.

On the variation papers it states - The supervisor shall be entitled to an additional £500. VAT will be charged where applicable.

Is this on top of the 6k offer?

I don't think I want to agree to this - am I within my rights to challenge it?

Many thanks,

Faye

Foggy

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Post by Foggy » Fri Sep 22, 2017 7:50 am
Faye 123 wrote:
Sorry - me again.

On the variation papers it states - The supervisor shall be entitled to an additional £500. VAT will be charged where applicable.

Is this on top of the 6k offer?

I don't think I want to agree to this - am I within my rights to challenge it?

Many thanks,

Faye
This is the variation fee -- pretty much standard and will come out of the offer.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

Lisa Thomas

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Post by Lisa Thomas » Fri Sep 22, 2017 8:12 am
So not a 4/5 month process after all eh? ;-)
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

Michael Peoples

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Post by Michael Peoples » Fri Sep 22, 2017 8:19 am
Shows the value of a forum. How many other people are waiting months for a simple variation when all they need to do is be told which buttons to push... Best of luck with the offer and do not worry about the fee. It comes out of the pot and may well be cut to £300 anyway. It will not cost you.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com

Lisa Thomas

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Post by Lisa Thomas » Fri Sep 22, 2017 9:34 am
Michael out of interest why would the £500 variation fee be cut to £300? Thanks
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
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