www.iva.co.uk

Hi,

I've been in an IVA since January and it's really tough especially with 3 mortgage increases since it started but fingers crossed it's going OK.

Sadly though I'm still get chasing letters from Intelligent Finance (HBOS)for a credit card debt that was included in the IVA.

It's gone from Intelligent Finance to Halifax to HBOS to Blair Oliver and Scott and now to Robinson Way and Co Ltd but none of them seem ever to record that I'm in an IVA even though my IP assures me they've all been contacted and sent copy papers numerous times. They even went as far as registering the IVA with TIX.to try and get the message to them.

I got another leterr this morning and 'phoned Robinson Way & Co Ltd to be told there was no record of me ever having contacted anyone before and they required full settlement within 7 days or Court proceedings would commence.

Has this debt been sold on to Robinson Way and Co Ltd or are they collections for HBOS.

I'll forward the letter to my IP on Monday but it's like nothing is going to stop them chasing me.

The debt also seems to have increased by £400 since it was listed in the IVA.

Does anyone know anything about Robinson Way and Co Ltd.

And can they really do anything now I'm firmly in an IVA.

Are they unstoppable.

Hi and welcome to the forum
I have just googled them they are a debt collecting company based in manchester

Tracy

Also an iva is a legaly binding contract so as long as this debt was included in your iva you will be protected.

They can add what they want but it wont change anything a tracy says your iva protects you from the day of approval. I think if they continue to ignore the iva they can be stopped , but I would as you say contact the Ip tell them you are fed up and make sure they are informed by recorded delivery that way they cannot deny receiving the info.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

Hi
Angie is right they can't add anything.
They are a debt collecting agency and you have nothing to worry about,your debt is part of the IVA.This is a classic case of companies not updating their records.
I suggest a letter or call to your IP asking them to contact the original creditor and Robinson Way and to confirm to you that this has been done.If RW call again ask to speak with a supervisor and take their name after explaining that your debt is now part of an IVA and you do not expect any more calls/letters.
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

I would imagine that they are just hoping to get lucky in that they might frighten you enough to pay up acsn ... worth a go on their part I suppose. You are protected by your IVA (so long as the debt was included in it) by the law of the land, next time they contact you politely inform them that, under the terms of you IVA, they are harrassing you. Send them a copy of proposal is need be [:)]

Debbie

www.babynamings.co.uk

www.soulgrowth.co.uk

Hi
Even if they "got lucky" they would have to repay any money that they collected.
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

That'll teach 'em ... you could add interest to THEIR account then [:D]

Print off and send them a copy of this thread acsn ... it might educate them [:)]

Debbie

www.babynamings.co.uk

www.soulgrowth.co.uk

Who knows they might read the forum already lots do.

Tracy

Hi acsn -

When you say the balance has increased by £400 was this from the amount listed in your initial proposal or has it increased from the claim lodged by the original creditor? I had some debts that increased by a similar amount during the period between IVA proposal and Creditors meeting due to interest and charges.

Hi OPTIMIST12

The £400 difference is from the figure on the Chairman's report. Intelligent Finance didn't vote so I'm not sure if the figure has been proved. But the amounts on the report were different from the original proposal so I'm hoping some if not all of them have been. The IVA is already running for 66 months (no 4th year equity clause though) so don't really want it extended further if I don't reach the required 40p in the £ because of disputed claims in the distant future.
I'm hoping there is some work done when the first 10p in the £ is paid in Janauary 2009.