They still ignore our calls and we are desperate.

[deborah.s]

Hi
We entered into an IVA and have not made any payments for the last 16 months, to many reasons to go into now. We have consistently been in touch with the IVA company who never ring us back or make an attempt to contact us. We received a letter over 2 weeks ago, which was the first contact we have had saying we had defaulted on our IVA and a creditors meeting is scheduled for the 20th Nov 07. They still ignore our calls and we are desperate. Please help!!

[couple31]

How can it have got as far as 16 months without payments?

Which IVA company is it, if you don't mind saying

[deborah.s]

Hi deborah.s, welcome to the forum...

16 months is an exceptionally long time and I appreciate that you have a massive story to tell, but as "couple31" says; really we could do with some background to all this so you can be advised the very best possible help available on here... You are in the right place to ask... just need some background... Maybe Melanie on here has heard of your IP company if you mention it at least, then maybe also others on here have same IP and possible issues. No doubt you will get someone drop into this post quite quickly, so keep a look out and stay logged in for now... Hopefully Melanie or Andy will see your note here and help somehow.

Gordon

If it is something you cannot see... contact your IP!

Try to develop the present to change the future that will enhance new memories of the past... It is not what we have done wrong, but what we are doing to our future from now on that counts... So... Count on the future by doing what we have not done wrong already

www.thedotdots.com
Outreaching World Concerns

Hi
The company is called Synergi, it was previously called Capital insolvency.
We got ourselves into trouble and an IVA was set up. It was arranged in such a way that we were so desperate that we agreed to anything. The payments were set at £490 a month, which we struggled to pay and it would rise to nearly £700 after so many months. We paid this for 18 months and in that time my husband was between jobs for a couple of months and the payments got on top of us. We have rang this company on several occasions and as I said have heard nothing and received no communication until a couple of weeks ago. My husband is now self employed and is working away from home, and we have started to get letters from creditors threatening to come to our home.

[jpj]

I would recommend anyone who is having trouble with their IVA company to write or fax!! (and send it recorded delivery!)
some IVA companies seem terrible at returning calls, but at least you have proof if you have things in writing,and they are more likely to respond!

Debora.S ..I would write to Synergi,detailing the couple of times you have
called and that you got no reply. Obviously with your husband self employed you need to do all you can to try and rectify this problem as if he has his own business, and they make him bankcrupt, it could affect his employment.
Presumably you have missed 3 payments and they are looking to fail your IVA ?

[deborah.s]

I would recommend anyone who is having trouble with their IVA company to write or fax!! (and send it recorded delivery!)
some IVA companies seem terrible at returning calls, but at least you have proof if you have things in writing,and they are more likely to respond!

Debora.S ..I would write to Synergi,detailing the couple of times you have
called and that you got no reply. Obviously with your husband self employed you need to do all you can to try and rectify this problem as if he has his own business, and they make him bankcrupt, it could affect his employment.
Presumably you have missed 3 payments and they are looking to fail your IVA ?

Hi
We have missed 16 payments!! This company have arranged a creditors meeting for the 20th Nov 07 and this is the first communication we have had from them in 16 months.

[lily]

HI

THIS COMPANY HAVE HAD SOME BAD PRESS ON THIS SITE.

Many people have made months of pre-meeting payments only to have the IVA rejected or it has failed due to unrealistic expenditure figures.

My advice would be not to continue and go with another company, check out www.iva.com for iva companies and user feedback. An IVA is a five year commitment, you need to go with a company you can trust, it sounds like your circumstances have changed over this period, how much have you paid to this company and why are they arranging a meeting, 16 months on??


lily

[couple31]

Their review marks on iva.com say a lot

http://www.iva.com/iva_companies/Synergi_Partners.asp

[deborah.s]

HI

THIS COMPANY HAVE HAD SOME BAD PRESS ON THIS SITE.

Many people have made months of pre-meeting payments only to have the IVA rejected or it has failed due to unrealistic expenditure figures.

My advice would be not to continue and go with another company, check out www.iva.com for iva companies and user feedback. An IVA is a five year commitment, you need to go with a company you can trust, it sounds like your circumstances have changed over this period, how much have you paid to this company and why are they arranging a meeting, 16 months on??


lily

Hi
Thanks for the info. Can we go with another company and leave this one? I have no idea why we havent heard from them for 16 months and we are very worried, the last thing we want to do is be pushed into bankruptcy. We are also confused as to why creditors started ringing us at the same time as a creditors meeting was arranged.
Any help is very much appreciated.
Thank you

[MelanieGiles]

Hi Deborah

Although this company have had some bad press, your IP is responsible for your case and is obviously trying to put things right. You ought to ask for a copy of the variation report to creditors, to see how they are explaining the long payment gap. I would await the outcome of the meeting before taking things further, but it is vitally important to know prior to the meeting what the terms of the revised offer to creditors comprise of, and to ensure that the new payments are affordable.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Adam Davies]

Hi
As jpj and Melanie have stated you need to write to Synergi and ask for a copy of the variation proposal.How they have managed to do the annual report to the creditors baffles me.
If they fail your IVA then you will be free to either propose another with a new IP,file for bankruptcy or enter into a debt management plan.
Are you homeowneres ?
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

[deborah.s]

Hi
As jpj and Melanie have stated you need to write to Synergi and ask for a copy of the variation proposal.How they have managed to do the annual report to the creditors baffles me.
If they fail your IVA then you will be free to either propose another with a new IP,file for bankruptcy or enter into a debt management plan.
Are you homeowneres ?
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

Hi Andy
No we dont own a home we have been renting for several years.

[Adam Davies]

Hi
Well I doubt that your creditors will petition for your bankruptcy then
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

[deborah.s]

Hi Deborah

Although this company have had some bad press, your IP is responsible for your case and is obviously trying to put things right. You ought to ask for a copy of the variation report to creditors, to see how they are explaining the long payment gap. I would await the outcome of the meeting before taking things further, but it is vitally important to know prior to the meeting what the terms of the revised offer to creditors comprise of, and to ensure that the new payments are affordable.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

Hi Melanie
I rang Synergi yesterday and as usual our practitioner was unavailable. I explained our situation and I was promised a phone call back today. I ended up ringing them this morning, to cut a long story short they are sending me copies of letters they say we should have received and a letter failing the IVA. I asked how they could prepare an annual report when they havent had any payments for 16 months and for a copy of the variation proposal and I was told that this person was ending my conversation and he put the phone down on me. Could you please advise us what we are supposed to do as they are definitely going to fail the IVA. Can you help us please?

[MelanieGiles]

What charming behaviour from an alleged professional practice. I suggest that you ring them back and ask for the name of the director who is responsible for complaints and then issue a stiff letter expressing your disatisfaction.

In the long run it might be better to let this IVA fail, and you can then propose another with a firm you can work with. What is the reason for the non-payment for 16 months, and do you feel that you can continue to make payments, and if so at what level.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[deborah.s]

What charming behaviour from an alleged professional practice. I suggest that you ring them back and ask for the name of the director who is responsible for complaints and then issue a stiff letter expressing your disatisfaction.

In the long run it might be better to let this IVA fail, and you can then propose another with a firm you can work with. What is the reason for the non-payment for 16 months, and do you feel that you can continue to make payments, and if so at what level.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

Hi Melanie
We agreed to the terms of the IVA because we were so desperate. Synergi adjusted the figures so that the IVA would go through, and consequently we were up against it from the beginning. My husband had to resign from his job and was without employment for a couple of months. We also owed friends a large amount of money which we have now paid off, this was not allowed for in the IVA. We want to be able to pay our debts, but £490 rising to £700 per month is not achievable. We would have to be guided, by maybe you, as to what amount would be suitable. My husband is now self employed and the last thing we want is to go Bankrupt.

What do we have to do to instruct yourself to take us on?
Thank you
Debbie