in an IVA but I have had to give up work

[flashingblade]

it took a couple of months to get it sorted, but weve only been in it since feb, so havent had any modifications yet, but i am struggling

[lily]

Good luck with everything flozza, I really hope everything gets sorted out quickly so that you can concentrate on your health and well being.

love

lily

[flozza]

Thank you Lilly

xx

[flozza]

HI Melanie

Thank you very much for this information. I have just emailed my IP and attached all of the letter I have written since the start of July.

[Skippy]

Good luck Flozza, I hope that you can soon get things sorted out and that you are soon on the road to recovery x

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[flozza]

Thanks Skippy!

Fingers crossed....

x

[charlottie]

Hi
I'm also with DFD, you can email the Supervisory department on supervisory@debtfreedirect.co.uk and you can get directly through to that department on 0845 2960 150. I have found both of these ways much quicker and you actually get to speak with your caseworker.

Good luck

Lotte

[flozza]

HI Lottie

That's great! Thank you. I have sent my supervisor an email and forwarded it to the email address you gave me. Did you find you had a much quicker response?
x

[charlottie]

Well, sort of. I gave them 24 hours from the email to ring me back and as they didn't I rang them on the number I gave you. They had the email on the system and then my case worker rang me back in the next hour so it certainly hurried things up a bit. It's better than waiting for Royal mail and then them saying they haven't received it.

Lotte

[flozza]

Thanks Lotte.

Did you have to make changes/ proposals to your orginal IVA with them?

[flozza]

Hi to IVA professioanls,

Still seek ing advice about the above topic. It has now been nearly 20 days since I have written 3 letters with enclosures requested and 2 emails with documents attached later. I have still heard nothing back about my proposal from my IVA company. I really don't know what to do as I am worrying so much about what's going to happen.
My mum has kindly offered to pay for solicitor's advice - would you advise this or should I wait.....

Please advise....Thank you

[MelanieGiles]

Send your IP another e-mail telling him that unless he responds to you within the next 7 days you will be reporting him/her to his/her regulatory body. I am sure that this will get the response you are looking for.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[flozza]

Hi Melanie,

Thank you for the advice. What happens if I don't recieve a response and paper work (hopefully) containing the propsal for creditors? I am getting so stressed with waiting, that I am considering bankruptcy very seriously. I am sure that the offer would be more beneficial to the creditors than bankruptcy??

[flozza]

Finally, I have spoken to my supervisory department about selling my house and paying back around the same, if not more money to the creditos once sold, as I am now cliaming jobseekers allowance and unable to work indefinately.

They have said that there is a very good chance of this proposal being accepted as the creditors should receive the original figure at least as my mother is having my house completely refurbished to acheive the highest amount possible. My house has only been on the market for 1 week and my questions are; If the house takes longer than expected to sell, wil the creditors still wait? I have explained I am only just making mortgage payments with JSA and help from my mother and so they said they would even accept £10.00 contribution (originally paying £576 pm)

Please advise

Thank you

[Adam Davies]

Hi
I am sure that your creditors will wait until you sell.In an IVA the creditors get the bulk of their money towards the end of the IVA so it will make very little difference to them.Keep in communiction with your IP regarding your house sale and just pay the £10 as instructed.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp