In an IVA and using Credit Card

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plasticdaft

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Post by plasticdaft » Thu Jul 28, 2011 8:54 pm
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Seriously,does anyone actually get to talk to an IP(other than Mel)???

If they had replied to your calls then this wouldnt have happened.

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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plasticdaft

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Post by plasticdaft » Thu Jul 28, 2011 8:56 pm
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Seriously,does anyone actually get to talk to an IP(other than Mel)???

If they had replied to your calls then this wouldnt have happened.

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Foggy

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Post by Foggy » Thu Jul 28, 2011 8:57 pm
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I haven't so far, Paul ( tried and failed) but --- early days yet !
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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Shining

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Post by Shining » Thu Jul 28, 2011 8:58 pm
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I do think it's vital for a smooth running IVA to be in contact with your IP, I'm not sure how I'd cope without Mel being my IP. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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MelanieGiles

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Post by MelanieGiles » Thu Jul 28, 2011 9:03 pm
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In reality a lot of IPs will speak directly with their clients - but in the larger volume processing companies this will not always be possible due to the numbers. Nothing wrong with this approach so long as the ground staff are sufficiently trained and able to make senisble decisions quickly.
Regards, Melanie Giles, Insolvency Practitioner
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plasticdaft

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Post by plasticdaft » Thu Jul 28, 2011 9:07 pm
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In reality Mel,customers have to jump through hoops frequently to even get near an IP's ear!!!

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Shining

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Post by Shining » Thu Jul 28, 2011 9:25 pm
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You often read the frustration in posts. I know I'm lucky and do appreciate the fact that Mel is my IP.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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MelanieGiles

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Post by MelanieGiles » Thu Jul 28, 2011 9:41 pm
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We will miss you when you are no longer a client Lesley - less than a third of the way for you now!
Regards, Melanie Giles, Insolvency Practitioner
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Shining

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Post by Shining » Thu Jul 28, 2011 9:46 pm
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Getting there Mel, slowly but surely and dare I say it, things aren't too bad right now, think all my fair share of bad luck was in the first 18 mnoths. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Rod Newman

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Post by Rod Newman » Thu Jul 28, 2011 10:10 pm
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Hmmm I e-mailed my IP this evening and got a response within a few minutes. Doesnt' take a rocket scientist to work out who my IP is; and it is thanks to this forum that I made my choice of IP company and for that I will be forever grateful as clearly it was the right choice.
Rod
Most day's you feel like the statue but just once in a while you get to be the pigeon!
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Shining

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Post by Shining » Thu Jul 28, 2011 10:24 pm
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I'm guessing we have something in common Rod, I've had an email reply late into the night when I've been an insomniac and emailed and surprisingly got a reply immediately x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Rod Newman

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Post by Rod Newman » Thu Jul 28, 2011 10:29 pm
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You are so right Lesley, an inspiring and very modest insomniac is our IP....
Rod
Most day's you feel like the statue but just once in a while you get to be the pigeon!
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kallis3

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Post by kallis3 » Thu Jul 28, 2011 10:37 pm
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I'm not with Mel (unfortunately!) but had to speak to my IP company this morning and got straight through to my case worker who was able to answer my query and put my mind at rest.
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
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Rod Newman

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Post by Rod Newman » Thu Jul 28, 2011 10:40 pm
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Just shows Jan that the majority of IPs and their teams really do work hard on our behalf. Hope the others who have had some difficulty find that it is only a temporary glitch.
Rod
Most day's you feel like the statue but just once in a while you get to be the pigeon!
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kallis3

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Post by kallis3 » Thu Jul 28, 2011 10:52 pm
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The vast majority do, but of course there will be problems, especially if you use a large firm.

A couple of years ago I needed to contact my company over Christmas only to find that they had shut down for two weeks!!

Not good!
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
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