The latest on my pension situation is that i have had an email confirmation from my work pension scheme that i'm not able to freeze payments i would have to opt out then re apply and it doesnt mean in 3 yrs time i will be accepted again. Now DFD have asked me to reduce the percentage i pay which is ...

Hi Mel, The pension modification: Docunentay evidence of the penion policy must be provided to the supervisor within 30 days of the acceptance of the arrangement. Monthly premiums must be suspended if possible and volutary contributions increase accordingly. If premiums must continue although at a r...

Hi Mel, Following on with the issue over my company pension. I have again written to my company pension scheme asking the question if possible to freeze/stop payments as requested by DFD. The pension company have come back and said its not possible to freeze/stop the payments but i can opt out. If h...

Hi Melanie,

In your opinion what deductions do you think is reasonable for a company pension. Mine is standard pension with my company. I make a small percentage out my salary with the company paying the rest. I certainly have never increased or tried to pay any extra into it.

Sue

I also had no choice and was transferred to DFD from Clearstart. If i had my time all over again and with the help from the forum site now i would definately go with a company like Melanies. None to pleased with the service from DFD. Its a shame because i spent a lot of time considering going with C...

Thanks to Mrs Skint and Pixie for your advise. I found my IP email address sent email last night and logged onto a reply back this morning. He is going to review the issue with my pension. I feel better knowing its being looked at asap rather than passed from dept to dept.

Thanks so much for your quick replys. Much appreciated today. I will do as you have mentioned Mrs Skint and try and deal direct with my IP.Will look up on website now. Although would also like to point out i didnt even know my IP had changed until again i saw on the court report today. DFD had not e...

I had my IVA agreed June 2007 with Clearstart. All been absolutely ok for me. Then i got transferred to DFD! No communication from not even a letter explaining about the transfer. I only found out on this forum. My 1st review came around in June sent back all my income and expenditure on time. Heard...

Hello Cat1 Just want to try and put your mind at rest also with regard to review and DFD. I too was orginally with Clearstart and was really happy with the service i had received. DFD have not been at all good on communication and its also been a worry. I was due my annual review in June this year. ...

Hi cat Ive just completed my 1st review income/expenditure which i have just posted off to DFD. I was with Clearstart and very happy with how it was going. I have heard nothing regarding the transfer from Clearstart to DFD ( same as you!)Until i received my review letter last week but no other expla...

Hi Stu and welcome! I too took ages to pluck up the courage to submit a message even though i was on this site daily, oh and still am!! I have just completed 12 out of 72!! All of the above is exactly how i feel . Its on my mind every single day. I feel lucky to have got sorted most days ( especiall...

Hi Caraf, Please can you let me know what email address you now use for DFD to get these prompt replies? I too was with Mr A Twitchen but when my review letter came a week ago my supervisor was different . No explanation to me so far. My standing order still goes to Mr Twitchens account as not told ...

Hi I have posted a couple of times with my concerns over my transfer of IVA from Clearstart to DFD and lack of communication of the actual transfer. I actually contacted DFD myself twice to say it was time for my review and to say i was not aware of any transfer of my account as no mail received.Onl...

Just to say i have also had no letter to confirm transfer from Clearstart to DFD. Heard nothing. I'm waiting for my 1st review and its 1 month late now. The only reason i know about the transfer is through this forum. I have been so pleased with how my IVA was going with Clearstart. Its a real conce...

Me and partner were sat the other day watching a programme where someone was heavily in debt we also have friends in a similiar position. My partner always makes the remark how he doesnt understand how people can get so heavily into debt!! I just think to myself if only you knew!