www.iva.co.uk

hi all
I have been in an IVA for nearly a year now 7 months ago my wife found out she was expecting twins we knew this would have a serious impact on our finances we wanted to keep up with our iva and we worked out away to do this by re-mortgaging just enough to pay off our present mortgage and our car HP so freeing up money so we could maintain our iva two days before I had booked time off work to talk to my IP my wife gave birth to the twins 2 months early.When I did speak to the named contact person I found she spoke to me in a very snotty manner and was very condercending and one would think by listening to her that we should have been sterilised at the beginning of the iva.Because the twins had come early and are being kept in intensive care unit of our local hospital, I explained that we were having to make daily trips to the hospital to be with our children and would it be possible to pay a reduced amount for one month to help with our unexpected travel expenses.She was very un-entusiastic about this to say the least.She wanted to know why we had not informed her immediately about my wifes pregnacy.Is this normal practice for IP's?

I explain that we wanted to remortgage to get a better rate and there by free up more money to maintain the IVA.On the 31st of july we recieved a letter saying that if we suspend and then re-instate our direct debit to them we could pay back 10% extra a month to catch up, great I thought except our iva goes out on the first of the month not much help there.The letter went on to demand that we tell our IP when and if my wife would return to work? At present our concern is for the health of the boys we will not know the answer to his question untill we know answer to whether our boys are going to be fit and healthy or require a lot of hospital care,he went on to say he did not feel we would be able to honour our iva and he was not happy with the idea of us re-mortgaging and had we considered an intrest only mortgage in the short term.

The mortgage we have found is fixed at a resonably rate and would finish it's tie in period about 4 months before the end of our iva.I must phone our IP tomorrow My wife and I feel we have been dealt with rarther shodderly by our IP and would like to know if we have any governing body we can talk to about our treatment by our IP? and would like to know if this sort of behaviour is standard practice or am I being overly sensitive?

Hi nomad and welcome to the forum

What hideous treatment you have received under the circumstances you describe. I would report that person to the IP, as I am sure that they would be very concerned to hear that their staff are speaking to clients in such manner.

It is correct that you should have advised your IP about your wife's pregnancy, but this does not alter the fact that you are having a very rough time and your primary concern must be for your wife and two lovely little boys.

I don't really feel that the IP's regulatory body would be of any assistance here - I suggest you arrange a face to face meeting with the IP personally to get this sorted out. What you are suggesting seems perfectly reasonable to me as an insolvency practitioner.



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

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Hello,
As the mother of a now very healthy 6 year old, who was born three months early and spent the first four months of her life in SCBU and PICU my heart goes out to you!
Our finances really suffered due to me taking unpaid leave for an additional 6 months after my maternity leave finished, and then returning to work on a very part-time basis to be able to care for her and her sibling.
As you say, money is the last thing on your mind; all you want is for your baby (babies in your case) home safe and well.
I hope you can resolve the matter with your IP, so that you can continue to devote all your time and energy into being there for your baby sons.
I wish you all the very best; your babies are in safe hands.
Blue

Hi Nomad, I just wanted to wish you, your wife and your babies all the best. I hope you get things sorted with your IP - I agree with Melanie that you need to speak to him/her face to face. Good luck for the future.

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/

As a mum of now 8 year old twins myself, my heart goes out to you. We were fortunate however in that they did not have to go to SCBU, but even so, having twins is a lot of work at the best of times when they are babies, with constantly feeding one, winding then changing nappy, then feeding number two. By the time you have finished, its time to start all over again. It is obviously a worry in itself that they were born 2 months early.

I really wish you, your wife and your special little boys well and that they will grow from strength to strength. I also hope that your IP will soon realise that they must do something to help alleviate some of your financial burdens for the short term.

Please, please feel free to ask any Q's about having twins and I will try to answer..

xx

Good evening Nomad,

Thank you for the post and welcome to the forum.

I just wanted to wish you, your wife and your babies all the best. You are not being being overly sensitive; you have been treated very badly under the circumstances.

Kind regards,

Julia Simavi

Shortlisted with special commendation for Debt Counsellor of the Year by Credit Today Awards 2007

View my profile:
http://www.supersonicsquirrel.net/julia ... rofile.asp

Visit my website:
http://www.supersonicsquirrel.net

Credit Today Awards 2007 http://www.credittoday.co.uk/awards/winners.htm

Hi Nomad,
just wanted to send you and your family a big hug and wish you all the very best.
Also i really do hope that your ip lightens up and realises the strain you are under right now,and does the descent thing by you all.
Goodluck keep posting to let us know firstly how the little ones are doing and secondly that you are being treated fairlyand can find some peace of mind so you can concentrate on your precous family

Tracy

Awwww, this makes me so sad, two little babies fighting for life and one unhuman person's attention is money money money. OK, I know its her/his job but surely there are more important issues like taking the stress off a mummy and daddy and two litle lives, than paying creditors back.

My Question to your sad IP would be, what would be more important to you at this time if you were given our situation??? I think she/he is the one who should have been sterilized.

I really wish you all the very best of luck with everything, best wishes to your little boys.

lily

Hi all
Thanks for your best wishes and advice, the twins seem to be doing well we have named them Morgan and James,they have been moved from icu into high dependency, so hopefully things are looking up.
I phoned our IP's head office and was told by a young sounding girl there that my named contact was away a lunch, must have been a busy day because it was 3 p.m. I explained that I did not want to speak to my named contact but wished to speak to my IP, she told me he is based in cardiff and he would have to call me back I asked if my IP's based in cardiff how come the letter we had recieved had come from Manchester and why was it not his signature on the bottom of the letter, she told me the letter had been sent from head office and someone had signed on my IP's behalf but she was almost positive he would have seen it before it was sent,she asked if my named contact could not deal with the problem and I said no I really wanted to speak to my IP, she said he would have to call me.
About an hour later I recieved a call from my named contact asking me what I wanted I explain to her I wanted to speak to my IP and not to her she said she would ask him to contact me this was friday it's now sunday and still no wordhope he phones soon as I'd like to get all this sorted out before the twins come home or at the least before their first birthday( L.O.L )Has anybody had similar problems contacting their IP?

Thanks nomad

Hi
Many people have had problems speaking directly to their IP,especially in large companies.Be persistent and call again Monday midday.
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 just keep insisting that you speak to your ip,that is what you are paying your fees for,for them to represent you. You have every right to speak directly to them.
I think when you explain your situation they will be shocked how you are being treated,and will have stern words with who is dealing with your case,and hopefully this will be nipped in the bud.

Tracy