Posted: Mon Sep 26, 2011 7:18 pm
I am around 3 years through a 6 year IVA and I was advised earlier this year that there was a possibility I was going to be made redundant.
My girlfriend offered to help me financially with putting a F&F offer forward so I contacted my IP with a view to discussing this. I had to wait around 2 months for a review of my case at which time the lady I spoke to appeared to be quite helpful. I was told that it would take 2-3 weeks for an amendment to be arranged and they would contact me. After chasing them 5/6 times, during which time it was confirmed that I was being made redundant I was eventually promised I would get a draft report the next day to review before it was sent to my creditors. This was a full Eight weeks after my telephone consultation.
Nothing arrived the next day, but a week later I received a copy of the report which had been sent to my creditors. This is where it gets really bad and is where I need advice - my report stated the reason for the amendment was "potential redundancy" despite advising my IP several times that this was confirmed. Also, in calculating my new proposed dividend, the report included my student loan debts as part of my creditors?? This increased my debt by 50% and made a difference of 10p to my proposed dividend.
So I sent an email seeking an explanation to the people at my IP's office I had been in contact with, their manager and also my IP directly. This was Thursday last week and I still havent heard anything. Obviously the inclusion of my student loans makes the proposal look awful and I now have no chance of getting it agreed. What are my options with my IP?
My girlfriend offered to help me financially with putting a F&F offer forward so I contacted my IP with a view to discussing this. I had to wait around 2 months for a review of my case at which time the lady I spoke to appeared to be quite helpful. I was told that it would take 2-3 weeks for an amendment to be arranged and they would contact me. After chasing them 5/6 times, during which time it was confirmed that I was being made redundant I was eventually promised I would get a draft report the next day to review before it was sent to my creditors. This was a full Eight weeks after my telephone consultation.
Nothing arrived the next day, but a week later I received a copy of the report which had been sent to my creditors. This is where it gets really bad and is where I need advice - my report stated the reason for the amendment was "potential redundancy" despite advising my IP several times that this was confirmed. Also, in calculating my new proposed dividend, the report included my student loan debts as part of my creditors?? This increased my debt by 50% and made a difference of 10p to my proposed dividend.
So I sent an email seeking an explanation to the people at my IP's office I had been in contact with, their manager and also my IP directly. This was Thursday last week and I still havent heard anything. Obviously the inclusion of my student loans makes the proposal look awful and I now have no chance of getting it agreed. What are my options with my IP?