DFD & Origunal I & E Forms

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pm5

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Post by pm5 » Sun May 08, 2011 11:56 am
This is one that probably Declan of DFD can answer.
Since I have been in my IVA each year of my review I have been sent the ORIGINAL I & E form from the start of my IVA to compare with an up to date I & E, I have posted about this before with many people agreeing with me saying each review should be compared to the previous year.
Declan did post too saying DFD were looking at possibly changing this so that your new I & E will be compared to the previous year & not the original.
My question to Declan is has this process changed yet?
 
 

kallis3

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Post by kallis3 » Sun May 08, 2011 12:17 pm
We'll keep this bumped up for you so that Declan can pick up on it. You could try emailing him directly via his contact details in his profile - might be quicker?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

morgan105

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Post by morgan105 » Sun May 08, 2011 1:07 pm
Received my I&E form just over a week ago from DFD and mine is still the same as the original, so not changed yet I guess.
IVA completed 29th July 2011.
 
 

Shining

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Post by Shining » Sun May 08, 2011 1:31 pm
I keep a copy of the previous years both electronically and in the file for comparison. I feel it should be always compared to the most recent. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

morgan105

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Post by morgan105 » Sun May 08, 2011 2:08 pm
I do the same as you lesley, makes it a bit easier to know where you're at when the time comes around.
IVA completed 29th July 2011.
 
 

andrea1968

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Post by andrea1968 » Sun May 08, 2011 2:20 pm
we have recently had a six month review which is totally different from the original figures put forward - (only 8 months into iva now).
Due to hubbys pay rise the funds are available for breakdown cover,allowance for food gone up,claiming for school meals,clothing allowance now above the cccs guidelines,contingency now available,pet food allowance,fuel allowance gone up etc.
We requested a copy of the new i and e as this is the one which will be used to look at yearly review.
All our figures will be based on the latest wage-not the original-that would be very unfair.
Last edited by andrea1968 on Sun May 08, 2011 2:21 pm, edited 1 time in total.
full and final accepted January 2015

iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
 
 

pm5

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Post by pm5 » Sun May 08, 2011 4:50 pm
Yeah it does makje sense to compare you I & E form to the most recent one so dont understand why DFD do this, I wonder if any of the other IP's do this?
 
 

MelanieGiles

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Post by MelanieGiles » Sun May 08, 2011 7:26 pm
I hope that they will change their policy on this - as the longer the IVA runs for the less sensible it is to compare to the original figures. Most expenditure will increase on an annual basis - as well as salary.
Regards, Melanie Giles, Insolvency Practitioner
 
 

pm5

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Post by pm5 » Mon May 09, 2011 7:32 pm
Yes you are right Melanie, I dont think any other company do it this way so am surprided DFD do this.
 
 

merrypotter

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Post by merrypotter » Sun May 15, 2011 1:07 pm
My I n E was sent and it was the original to compare with and im into year 5 now ! seems abit bizarre especially in todays current climate and how things have risen in price x
 
 

Grumple

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Post by Grumple » Sun May 15, 2011 2:10 pm
Our I & E forms have always been on the original figures. We haven't been sent one for this year yet, even though the annivesary was 10 days ago. We have just entered year 6, I've just sent a copy of last year's form with an extra column for this year's figures.

We always kept a copy of the forms as it has seemed odd that the original form is sent out even though there have been clear changes through the years.

DFD should change this.
It's been a long road getting from there to here but it's been worth it!
 
 

beresford

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Post by beresford » Sun May 15, 2011 3:01 pm
I'm with DFD too and that has always bothered me about them when they send originally completed I&E to compare with current one. It just does not make sense. I fed this back to DFD a couple of years ago on their online customer satisfaction survey and I even go an online response from DFD team to say that they were hoping to change this process in the future. Guess they are still working on this!!
Last payment made on 1st Nov 2011. Happy to be debt free!
 
 

Til

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Post by Til » Sun May 15, 2011 4:19 pm
We're with DFD and I too find this odd so I have started adding in an extra column for last year before I email it back in.
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
 
 

Shining

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Post by Shining » Sun May 15, 2011 4:42 pm
Sounds like a good idea Til, really doesn't appear to make sense to me x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

orchid5

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Post by orchid5 » Sun May 15, 2011 5:11 pm
I have set up an excel sheet as i too am with DFD, this helps me have a good idea on how things are either reducing (not often) or increasing, i'm one of the public sector workers who haven't had a pay increase this year, so hopefully this will be reflected in my annual review in a month or so's time, especially as there has been a substantial increase in the cost of living.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.

IVA COMPLETED August 2012, received Completion certificate 18.4.13.
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