Incompetent DFD

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essexlady

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Post by essexlady » Thu Jun 26, 2014 1:58 pm
After having my f&f accepted DFD have contacted me asking me to sign a Deed of Assignment. I actually did this in December 2013 as a change in terms of my IVA, which they now say they can't find, and are sending me another to complete. The problem is it has to be witnessed and no-one knows that I'm in an IVA. In Dec I got my team leader to witness it as he had a relative that was in an iva so understood what it was. I'm no longer working and in touch with him, so how the heck do I get this witnessed? I thought maybe my building society manager? Any ideas
/suggestions people?
 
 

MelanieGiles

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Post by MelanieGiles » Thu Jun 26, 2014 2:09 pm
Your family GP would perhaps be another option. Where in the country are you based - Essex I imagine!
Regards, Melanie Giles, Insolvency Practitioner
 
 

essexlady

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Post by essexlady » Thu Jun 26, 2014 2:15 pm
Correct Melanie! Why?
 
 

luluj

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Post by luluj » Thu Jun 26, 2014 2:29 pm
It appears you are not alone ... a number people are being asked to do another one ... it isn't fair! You could see if your lovel jobcentre will witness it if you take ID in ...some will some won't.
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Shining

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Post by Shining » Thu Jun 26, 2014 2:37 pm
Intrigued as to how Melanie knew where you were based too?

Dr's generally charge an extortionate amount for anything.

Is it a signature they're witnessing or to verify they know you?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

essexlady

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Post by essexlady » Thu Jun 26, 2014 2:49 pm
Its witness to my signature. I'm so annoyed because as you say this is probably now going to cost me money.
 
 

Shining

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Post by Shining » Thu Jun 26, 2014 2:52 pm
I'm wondering if you could do this via a webcam and one of us witness it for you. Probably a ridiculous idea but what do experts think.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

essexlady

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Post by essexlady » Thu Jun 26, 2014 2:57 pm
Lesley that's an idea - but to technical for me!
 
 

Michael Peoples

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Post by Michael Peoples » Thu Jun 26, 2014 2:59 pm
I think the poster's name may have provided Melanie a clue! She was probably double checking in case it was local to someone who could witness the signature.

I think the post office can be used to witness signatures but if you have to pay it might be worth sending DFD the bill and asking for it to be taken from your next payment. They did lose the first one so you should not be out of pocket.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

essexlady

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Post by essexlady » Thu Jun 26, 2014 3:20 pm
thanks Michael, I could just deduct it from the 30,000 I'm about to give them!
 
 

Foggy

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Post by Foggy » Thu Jun 26, 2014 3:36 pm
A Commissioner for Oaths will witness it ... for a fee.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

Michael Peoples

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Post by Michael Peoples » Thu Jun 26, 2014 3:37 pm
If it was us I doubt if we would object to that. 15% of £30k means we could swallow a tenner or so for the signature to be witnessed!
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

essexlady

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Post by essexlady » Fri Jun 27, 2014 1:52 pm
Just an update - a very nice man working at the Halifax Building Society has witnessed and signed the Deed of Assignment for me at no cost.
 
 

Shining

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Post by Shining » Fri Jun 27, 2014 2:57 pm
A good deed done by him. Pleased for you.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

welshwiz

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Post by welshwiz » Fri Jun 27, 2014 3:02 pm
Nice to see not all financial institutions are out to make money and do actually do some good deeds.
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