Joint Debts - A Warning

[MelanieGiles]

I am very hopeful that the original poster will return to this thread and discuss some of the issues which Lil.me seems to be an absolute authority on - without any knowledge of the particular facts of this case or really understanding the issue raised.

Without wanting to embarrass the original poster, who I have now been in private correpondence with this morning, or disclose confidential information which is priviledged to myself and my client, let me just assure all of you that absolutely no mistake has been made with this IVA at all.

Perhaps "thesfg" might want to share his thoughts with us with regard to the comments made by other posters - and indeed whether he feels his own IVA is "meaningless".

[lil.me]

I'm sorry, but I do have to disagree with lil.me.

Melanie would not have mislead anyone, and I don't think she has made a mistake with her proposal.

And no, she is not my IP!

sorry but if you pull yourself away from any personal feelings regarding this there is no other conculsion to come to other than the origonal proposal of this iva is flawed.

do you actually think it correct to draught an iva for one half of a married couple knowing that some or all of the debts are joint,and knowing full well that the half of the couple not entering into an iva will be liable for the debt,thus,the couple as a joint entity still have the same debt to pay in whole with the addition of ip fees on top.

come on its not rocket science.

[MelanieGiles]

Is that what you are suggesting I have done Lil.me?

[kallis3]

I have no personal feelings at all. I just know that Melanie would not have misled any clients.

There are times when an IVA can be proposed for one person when there are joint debts and the other party carries on making the correct payments, or makes their own arrangements.

This will always be pointed out by the IP and has been mentioned on here as well.

[lil.me]

Is that what you are suggesting I have done Lil.me?

going on the "infomation given" it would appear that the iva proposal in this case was flawed.

if you forget about the fact that these are your clients,if someone posted on here with the same problem,(given your knowledge of debt and joint liabitlity),would you regard it as a good solid iva proposal with no flaws....i think not.

[kallis3]

Sorry lil.me, you cannot say that the application was flawed. You do not have personal knowledge of the IVA, neither do I, but I do know that Mel would not have given duff information.

[MelanieGiles]

I would never presume to know the facts of a case, and therefore my comments would be appropriate to the facts of the post without making assumptions or jumping to conclusions.

I would NEVER EVER ignore the debts of a husband or wife when presenting an IVA proposal, and to suggest that I would is a complete nonsense.

I appreciate that the wording of the original post might suggest that this was ignored - and I think that it is unfortunate that the post was worded in such way as this was most certainly not the case, and I trust that the poster will be around later to confirm so.

[Julie]

Melanie is obviously working with thefsg to resolve this and as we don't know the full details, I think we should refrain from assuming anything.

The important thing is,a: thefsg has a solution and b: others are made aware of what could happen with joint accounts.

xx

[Skippy]

Lil.me, I'm very impressed that you appear to know all the facts of this case, and therefore feel that you are better placed to give advice than Mel or anyone else.

Can you let us know whether you are in an IVA or if you work in the insolvency industry?

[lil.me]

Sorry lil.me, you cannot say that the application was flawed. You do not have personal knowledge of the IVA, neither do I, but I do know that Mel would not have given duff information.

i did clearly say on the"infomation given"it does seem that the origonal poster was not made clear on the responibilities of them regarding this joint debt or they would not have had this confusion.

im sure mel is a good ip and im sure problems like this will make her a better ip to make sure confusions like this do not arise again.

[Skippy]

Can you let us know what your interest is in IVAs lil.me, are you in an IVA or do you work in the industry?

[Julie]

Again, I re-iterate we don't know the full facts and therefore shouldn't assume the IP is at fault here.

I only judge on fact and know that Melanie is an excellent IP and no I was never a client of hers, so no personal feelings involved [:)]

Having met thefsg and his lovely wife, I wish them all the best in resolving this. They have a fantastic, approachable IP[:)]

[Skippy]

I agree Julie. I'm not in an IVA, but if I was to need an IP in the future Mel would definitely be my first port of call.

[thefsg]

There is no question of this (my) IVA being missold. I am more than happy with Mel and her team and would recommend them again.

The point I was trying to make is that we should have spent more time looking at the impact of not dealing with the joint debts. We are happy that we were given advice about the joint debts, our confusion stems from why the joint debt was included in the IVA if it was going to be settled anyway. The fact that the creditor has taken so long to even talk to my partner about how this could be settled has exacerbated the situation.

[Julie]

Thanks for the update thefsg and clarifying what had happened [:)]

Lil.me may want to apologise to Melanie for making assumptions.