www.iva.co.uk

I am now sitting here with a firm mortgage offer that will give me the funds to offer a F&F embracing my post IVA creditor. This solution has only come about after my IP said there was nothing THEY could do and yet another IP HAS managed to do for me.

My IP advised bankruptcy and to stop making my IVA payments. I did that and wrote very nicely asking them to terminate my agreement with them so i could instruct a new IP (although I didn't say that to my existing one.

They called me today and in response to my letter THEY have issued ME with a certificate of non-compliance which as far as I can see doesn't really do anything to allow me to progress with my F&F ... I know this is probably the way things are done as a process but I can't help thinking that IT IS A BIT RICH when it was they that dismissed the problem in the first place.

Despite what you say Melanie ... McCambridge Duffy are not going to let me go to sort out what they didn't easily!

"Ms Angry of Gosport" [:(!]

www.babynamings.co.uk

www.soulgrowth.co.uk

They have to do this as part of their closure proceedings. Presumably there is a 28 day timescale for you to make good the arrears - which you won't be - and then they can close the case. I would have a word with your IP to see if they concur with this strategy, as your case is very odd!

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

Words of wisdom and a calming influence as always Melanie ... thank you.

You are correct about the 28 days, I suppose this is just the process. I do feel a bit odd at the moment I have to say.

Debbie

www.babynamings.co.uk

www.soulgrowth.co.uk

Hi Soulgrowth,

I'm sorry to hear that you've been having problems with your IP. Would you consider posting a review of your expereiences at www.IVA.com? This could be useful to others in a similar situation.

Many thanks,
Terry Balfour
IVA.com

IVA.com - The IVA Comparison Site
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Hi Terry ... I was thinking of doing that .. I will wait until things are a little more sorted so that I can give a more rounded view

Debbie

www.babynamings.co.uk

www.soulgrowth.co.uk

Hi Debbie,

Good thinking. I will look forward to reading your review once things have sorted themselves out.

Good luck with everything.

Terry Balfour
IVA.com

IVA.com - The IVA Comparison Site
100s of reviews, All IPs and IVA firms rated.

Use our IVA firm comparison tool to find best IVA firm for you:
http://www.iva.com/iva_comparison_1.asp