My IPs were a figment of the imagination I think when I first took out my IVA all I had was a youth saying well 'well what have you done with that £500 quid overtime had a holiday or something you owe money did you not understand that' what an absolute t....... I would report him these days but it was very different 5 years ago. Very hard and no leway at all, it was pay up or shut up or it would fail basicly so beg steal and borrow and make sure it was paid or else the house would go. It is so much easier now and much fairer rules.
ITS OVER WE ARE FINALLY DEBT FREE, CERTIFICATE ARRIVED
I wasn't offered a meeting either Mel. Mind you, it's not surprising as most IPs seem to surround themselves with teams of gatekeepers who are under instruction not to let you communicate with your IP. I've been told my IP doesn't speak to clients directly.
I wasn't offered a meeting either. To be fair I'd prefer to have done it over the phone initially as I was so ashamed and scared I would be judged. Part way through I asked to meet my IP, I was given a firm no to that question
"Just when you think that you can make ends meet, somebody moves the ends."
At the time I set up my IVA, I was so ashamed and embarrased that I would not have dared meet anyone face to face. Was really glad at the time to do everything over the phone. Was told that I could attend the creditors meeting but most clients didn't bother and it wasn't really necessary, I just needed to ring them 20 minutes after the meeting start time to find out if we had been accepted. Thinking this was normal practice that's what I did. Now that I don't feel quite as bad, certainly after having found this forum, with hindsight I would love to have met my IP. However, as the company I went with is, I presume, one of the biggest Debt Companies around (DFD), I guess I would just be an account number to them and not a real person so to speak. Must say though, that they have served me well, and I have no complaints.... apart from the time it is going to take to complete, which I am not impressed about.
I was offered the chance to go to the creditor meeting but declined as I couldn't afford the petrol!!
My IP phoned me on the date of acceptance to tell me the news and go through one or two things and that was it. I've dealt with a case worker ever since.
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
I have terrible sleep patterns Vinnie! Also trying to work out how to I can £7k per year to my expenditure for a train ticket without going BR! The cost saving in petrol won't touch the sides!
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
We have never had any direct contact with our IVA Supervisor(s)at DFD and I think that due to the volume of clients they process it is impossible to communicate on a personal level. I did try on a particular issue some time ago but was given short shrift by the call centre operator who said that he was far too busy and could NOT be disturbed!
In our notification of the creditors meeting we were invited to attend if we wished, however it was not feasible to make the 500 mile round trip. The point of contact that I spoke to following the meeting was a representative from the Supervisor's department, not the actual person.
At least 3 different people have held this role over the past 5 years and I have just checked our latest Supervisor's report to the creditors to remind me of the name of the current one - name printed but no personal signature.
It may well do. I cant move in with my boyfriend if I don't buy the ticket to travel to work. I will have to change jobs to be closer to home and then my commute costs will be more reasonable but who knows how long I'll be looking in this climate. And I don't want to delay moving in together as I need to make the move back from London to my home county (where all my friends and family are) for my own sanity. It's a real wrench going up to London every week and I hate it...always feels like I'm leaving my life behind if that makes sense.
We've had several case officers since starting, fortunately we've been able to contact them at any time (apart from over Christmas two years ago!!!) and had any queries sorted.
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
I'll be sure to let you know next time I do head down your way though
