www.iva.co.uk

We have been with synergi partners a since October 2006 and our IVA was approved last March 2007.

We told them that our rent was going up before the IVA was approved, but they never changed it and on top of that they say we have earned over £1200 extra this last year, yet my hubby has only worked 2 extra days!! we were actually earning less than they originally calculated and feel are being punished every time there is a five week month! when we earned less than they said we would each month, they never carried it over to the following month.

and now on top of that it is clear that we can't keep on paying the agreed amount due to rising living costs and are saying we are going to have to add another year to the IVA. It's not our B***** fault costs of living has gone up.

We don't have holidays, go out, we try to give the kids decent food to eat, don't smoke, drink, go to work, come home and hybernate until the morning and hybernate at weekends. The only thing that keeps me going is the love i have for the kids and my hubby otherwise i don't know where i'd be.

We feel that Synergi just don't care about us

Is anyone having problems or experienced something the same with Synergi?

[:(!]

In a word they are rubbish.


They have not had very good press ont this forum at all. I am really sorry for you I hope you manage to sort your problems out with them.

i was with synergi partners for 2 years i do feel for you as i have got the same probblem has you got through them i had to go bank rapuctuancy because they wanted too much out of soo little and they still causing me probblems now as i been waiting 7 months now for the termination letter i think this is the worse company i had to deal with if there was a point system they wouldnt even make it on to the minus table they should be shut down

I am with Synergie they have been ok but reading this forum I have realised just how remote they are. Every year they have put up my monthly payments from £410 to £480 in 3 years not taking into account increases in rent council tax etc. At last years review they added on my travel expenses form work and said I owed £638!! I phoned them and said I think they made a mistake and would they amend it which they did. But it is little things that get me I had to change my bank account at the beginning of the year and while a new account was being set up I asked several times for a payment slip or details of their account so I could pay my payment all I got was a letter saying I was in arrears. Boy did they get a earful I must say they did apologise. I didn't chose them as I approached The Debt Counselors first and after I decided an IVA was the way forward they were appointed.
It always seems to take an age to get a reply from a letter 3 weeks seems the average, and if I phone I can never get an answer or false promises that things will be done. Yet I always reply to their requests as soon as possible as I don't want to be seen as not responding to requests for wage slips or information.

As I have said on other postings I wish I had found this site before my IVA I would have done things differently and approached one of IP's on this site.

I also feel with Synergie that they look down on me for being in debt yeas it's not something i am proud of but I and others in the same situation as my self are paying their wages.

Jan

Thank you all for letting us know how you have got on with Synergi, We have written to them telling them that we are not prepared to have another year added onto our IVA as it is not our fault that the cost of living has rocketed.
we don't want to go BR but feel that Synergi are crap and are only out for themselves. we 've been pushed about by these so called banks who are supposed to help you (how stupid we were) and are now in financial trouble, no one cares that we're not going to be pushed about anymore.
Synergi take ages to get back to us and this makes us more worried. when we had our review they didn't even get back to us to say that the review clearly shows that we can't keep to the existing payments, allthough we had phoned them to tell them we couldn't keep to the agreed amount, they told us to wait until we had the review. they still want us to pay the agreed amount even though we can't.

we've only recently found this site and we wish we knew about it earlier. we've been to CAB, had a debt management plan with CCCS, but the after 1 year of being with them the banks no longer accepted the CCCS agreement and we were constantly getting letters from the creditors we went for an iva through the internet search. how we wish we knew about this site 2 years ago.

we're just waiting for the creditors meeting to agree a lower payment and if they don't then i guess it will BR.

That is interesting that you say the banks were not prepared to accept a DMP put forward by CCCS, when that organisation are actually funded by the banks.

I don't know why they changed their minds as we had been paying happily for a year into the DMP

when I phoned CCCS and asked for advise on why the bank no longer wanted to do the DMP,the woman told me that it was our fault we had all these debts and that we should just get on with it. I was made to feel that all our debts were our fault (she didn't even know our circumstances to why we have bad debt). it's bad enough coping with debt, yet alone being spoken to by some one who works for CCCS ina really bad way, so i made a complaint.

smile or cry, thats terrible. I hope that your complaint is dealt with and that you can report to the forum the outcome. Nobody deserves to be treated like that. X

What supportive advice from this leading debt charity. What happened about your complaint as a matter of interest?

Hi Vikki

The CCCS said they were sorry for what had happened and that was that. i don't know what happened the other end though. i wanted to cry so much though as i just coudn't cope with it,I always thought they were there to listen and to help.

Smile or cry, I think CCCS is quite big so you wouldn't get the personal touch, you're probably just a reference number. I'm with Melanie Giles and when I phone them they know immediately who I am and actually ask how I am etc before we get down to business. Good luck with synergi, let us know how you get on. X

All i can say is how glad i am i stumbled accross this place and rang Melanie Giles first

I did call an IVA advice line a few weeks ago but asked for some time to think and never followed it up with them, all sounded too complicated at the time. After speaking with Tina yesterday at the IVA Advice Bureau it turns out that if i had gone with the advice i was given initially and gone forward with them (cant remember who they were though) i could have been committing fraud!!!

All i can do is say how great this forum is and i am so glad we found it before things got even worse

Smile or cry - i hope you can sort things out - i dont know anything much about this stuff its all still new to me, but could you change IP in the middle of your IVA? Might be worth looking into if it would make life easier

You cannot really change IPs half way through without very good reason - and this can only be done either by an order of Court or by creditors agreement.