Posted: Tue Aug 27, 2013 9:58 pm
Hi,
I’m 2 years into a 6 year IVA I ended up with a 25k debt when a relationship broke up and didn’t know what to do I don’t have any assets but at the time I didn’t have the money to go BR either. the advice I got at the time said to start the IVA and see how it goes. I was on the verge of loosing my job and house because of the harassment and not been able to even afford petrol so it seemed the only option.
Over the past 8 months with the rise in living costs and fuel ect ect I have been left not able to eat and with nothing spare even to replace my shoes with holes in them.
I have managed for two years and never once been contacted by my IP they have never reassed my earning to outgoing. when I phoned up last in June to talk to my IP I found out that it was no longer RSM tenon and was now grant thorton I asked about speaking to my supervisor as I couldnt keep up this level of payment and was promised a call back. a week later I started getting harrssing calls from GT about claiming PPI back they have phoned 3 times a week about some letter that they never even sent till 2 weeks ago and the following two weeks asking if I had sent it back dispite them having it on there system. I explained at on the first call the hours I worked and asked not to be called in those time yet they have persisted in calling in the middle of the day.
I was never contacted back about the fact I couldn't afford this level and today I phoned in again to be told that the first time I could be spoken to was the 17th they wont even tell me who my supervisor is now so I can ask to contact them directly.
I am now left having to wait till the 17th and don't believe that when they reassess my earnings and pay I will even still be eligible for the IVA as if my maths matches I have less than £110 spare a month to put towards my IVA.
My question is what happens next and is there anything else I should be doing while waiting for them to contact me on the 17th
I’m 2 years into a 6 year IVA I ended up with a 25k debt when a relationship broke up and didn’t know what to do I don’t have any assets but at the time I didn’t have the money to go BR either. the advice I got at the time said to start the IVA and see how it goes. I was on the verge of loosing my job and house because of the harassment and not been able to even afford petrol so it seemed the only option.
Over the past 8 months with the rise in living costs and fuel ect ect I have been left not able to eat and with nothing spare even to replace my shoes with holes in them.
I have managed for two years and never once been contacted by my IP they have never reassed my earning to outgoing. when I phoned up last in June to talk to my IP I found out that it was no longer RSM tenon and was now grant thorton I asked about speaking to my supervisor as I couldnt keep up this level of payment and was promised a call back. a week later I started getting harrssing calls from GT about claiming PPI back they have phoned 3 times a week about some letter that they never even sent till 2 weeks ago and the following two weeks asking if I had sent it back dispite them having it on there system. I explained at on the first call the hours I worked and asked not to be called in those time yet they have persisted in calling in the middle of the day.
I was never contacted back about the fact I couldn't afford this level and today I phoned in again to be told that the first time I could be spoken to was the 17th they wont even tell me who my supervisor is now so I can ask to contact them directly.
I am now left having to wait till the 17th and don't believe that when they reassess my earnings and pay I will even still be eligible for the IVA as if my maths matches I have less than £110 spare a month to put towards my IVA.
My question is what happens next and is there anything else I should be doing while waiting for them to contact me on the 17th