Hi all,
Yorkshire Water is included in my IVA finalised on the 31 August 21. I wasn't in arrears with them on that date but as advised I cancelled my direct debit with YW ...satisfied that as they were included , my monthly payment would go towards paying them. I have now received a letter from YW saying I owe £477 ( since Sept 21 to date ) and when I contacted my IP they have replied that as I wasn't in arrears with YW when the IVA was approved and I got into debt with them afterwards ( which of course I did, as they were listed as one of the creditors in my IVA and I cancelled my DD ) I'm liable to pay them. Please tell me this isn't right , as I'm very confused now.
Why were they included as a creditor if you were up to date with payments? My utilities were included as normal payments.
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
They should never have been included in the IVA in the first place and, I feel, you were incorrectly advised to cancel the DD.
I would suggest to your IP that, as the fault was, in fact, theirs, they at least allow you payment breaks of sufficient time to enable you to divert the IVA payment towards settling this new bill. The 'missed' months will be added at the end of the IVA.
Out of interest, having told you to cancel the DD, is there an allowance in your agreed expenses to cover the monthly water payment ? If not, going forward, they should add this in the your essential outgoings and reduce your IVA payment accordingly .... of course you will need to then pay this to Yorkshire Water.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Incidentally -- have you been discussing this with Ebenegate or with your IP ? I would suggest chatting directly with your IP as it is the IP who is ultimately responsible, and against whom you would lodge any formal complaint, if it came to that.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Thank you Foggy. You are such an asset to this forum. Could you possibly help me draft an email to Ebengate to argue my case and ask for a payment break.
Ruth.
I'm not sure who is my IP ? I'm still very new to all this.
Mr Russell Whyte Buchanan
Company
Logan Whyte Ltd
Address
1st Floor, 76 Renfield Street, GLASGOW, G2 1NQ
Telephone
08000 430 188
Fax
IP Number
18630
Licensing Body
ICAS
Email russell.buchanan@logan-whyte.co.uk
I would be inclined to email him and just copy in Ebenegate. I can have a go at roughing out the bones of an email, but can't do the whole thing as I do not know all of the nitty-gritty.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
