Synergie - how do you get on with them

[paula74]

We have been with Synergie since March. can anyone tell me how they get on with them, as i'm starting to have my doubts especially about claus 5.5!

We appear to be hit for extra earnings every time there is a 5 week month, i feel this wasn't calculated properly when being set up with them. This means that every time there is a five week month my husband works a week for nothing, yet we are not earning any extra.

I feel very alone on the iva and would love to know other people who are in the same boat and understand how i am feeling. [:(]

[iva experts]

Hi Paula,

Sorry to hear that you are feeling alone at the moment, you are in the right place. On this forum you will find helpful advice and support.

Unfortunately your husbands income was calculated incorrectly, usually when calculating an individual's monthly income we find out what they are paid weekly and multiply this by 4.33. This is because not every month is 4 weeks and its faster than x 52 weeks/12 months.

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

[paula74]

Hi Paula,

Sorry to hear that you are feeling alone at the moment, you are in the right place. On this forum you will find helpful advice and support.

Unfortunately your husbands income was calculated incorrectly, usually when calculating an individual's monthly income we find out what they are paid weekly and multiply this by 4.33. This is because not every month is 4 weeks and its faster than x 52 weeks/12 months.

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

[Adam Davies]

Hi
Well firstly you will no longer be alone because you have found the site that will help you and support you.
There have been many poor experiences of Synergy posted on this forum as I'm sure others will tell you about.
I presume that you are paid weekly ? and when you send in your payslips you are asked for extra by your IP if it happens to be a five week month ?
One solution is to multiply your weekly wage by 52 and divide by twelve,this is your monthly figure and the one that should be entered as your income for your income/expenditure sheets.Ask your IP to use this as the benchmark for checking your income.IPs normally check income on a quarterly basis and this should even out the ups and downs of the weekly pay.
I would guess that a junior member of staff is checking these figures and you need to fight your corner.
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

[paula74]

Thank you for your advice,

working out that there are 2 more 5 weeks months this means we are going to have to pay around another £500 on top of the £413 they are asking for as extra earnings. would anyone advise that we stay with synergie and except that we have to somehow find this extra money when we know we don't have it, or is it best to file for BR?

Paula

Hi Paula,

Sorry to hear that you are feeling alone at the moment, you are in the right place. On this forum you will find helpful advice and support.

Unfortunately your husbands income was calculated incorrectly, usually when calculating an individual's monthly income we find out what they are paid weekly and multiply this by 4.33. This is because not every month is 4 weeks and its faster than x 52 weeks/12 months.

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

[paula74]

Hi Andy

I am paid monthly and my Husband is paid weekly, I am in shock that synergie are saying we have earned a lot extra in june and july (5 week month). They don't seem to taking in consideration the months when we earn a lot less, this has brought all the old feelings back of being badly mislead.

[iva.com]

Hi Paula,

I'm sorry to hear that you are experiencing problems with Synergy. Would you consider posting a review of your experiences at www.IVA.com? This could help others who are considering an IVA to avoid similar problems.

Kind regards,
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

[Adam Davies]

Hi
Is it that when it's a four week month you are actually earning less than you put down on your proposal ? If so then this should be taken into account by Synergi.
You can't change IVA companies I'm afraid and you can petition for bankruptcy at anytime.However you need to sort this with Synergi and you need to speak with your actual IP,not one of the admin staff.
Put your concerns in writing to your IP.
It sounds a ridiculous situation and once sorted you need to ask for the overpayments back.
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

[scaredkez]

i am sorry to here of the problems you are having with synergie, i know you have been told to speak to your ip but i know from personal experience with them that is like trying to get blood out of a stone, but you really must insist and get this matter sorted, tell them to work your income out over the 52 week period and divide it by 12 to give an accurate figure, i am sorry this company really gets my back up, i am still waiting to hear from the complaint i put in against them with their regulatory body, thats something for me to do tomorrow, good luck hope you can get it sorted.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[R1chard]

i nearly went with synergie, but after reading a few posts on here quickly changed my application to thomas charles.

synergie told me that to get on an iva i needed to be paying at least £380.00 per month minimum,... panicking i decided i wouldn eat and go on the iva, as you do do.

they also adivsed me to lie about ceertain figures. e.g how much iwas paying my ex in child support and other "expenses" making it less so i can get approved. when in fact i didnt need to.

also every time i called them up it was passed onto a different colour team.

as soon as i had a chat with thomas charles they told me a payment of £266.00 would suffice and was ok to propose calculated agaisnt my debt and earnings..

my iva was passed first time.

58 PAYMENTS TO GO..

[paula74]

we spoke with Synergi and after a long wait they have agreed that the way they have calculated the information has been unfair, they have agreed to recalulate (told us on a 4 week month)and that when are earnings are less then the stated allowance, this should of been carried over.

we're going to ask them for a detailed copy of who they get their calculation (when the new one comes in) and are considering puting in a complaint to the regulating board.

Kerri

wish you luck in getting an answer for your complaint, We wish we knew of this site before we went with them, but at the time i couldn't find any info on what these companies we like.

Richard,

Synergie told us the same that we had to pay a minimum otherwise we would go BR, they also told me i couldn't include personal debt from my dad and in-laws. we just didn't know where to turn, we seemed to hit a brick wall and at the time i just couln't cope with anything.

depending on Synergies next calculations we will possibly look for going BR.



we'll see how they recalculate this

[scaredkez]

paula i wish too that i had found this site before i had found debt councillors and synergie, maybe then i wouldn't have lost 1.5k in payments i hope you can get it sorted, followed up complaint don't hold nothing for it as its like any regulatory body its there for the person paying them, however i eventually went down the only route available which i should have done before synergie mess, keep pestering and hold your own at the end of the day they work for you and your creditors and regardless you still have a say!
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[MelanieGiles]

Kerri

How is your complaint against this firm going?

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

[scaredkez]

non existent if truth be told, haven't heard off them in ages, will have to follow it up, last letter was told not to discuss etc will deal with it and nothing
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[olympic_torch]

Are Synergie the same company as Synergence?

Aucto Splendore Resurgo.
(6 down, 54 to go)