When were IVA's made 'legal'

[kallis3]

You'll have to keep us informed Neil, it will be interesting to see what they have to say.

[Adam Davies]

Hi
I am sure Mel that when we visited The CCCs they stated that they would not be looking at existing DMP clients with a view to moving them into an IVA
Regards

[size5]

The obvious question there is why on earth not????


As supposed experts in our field we all live and die by the way we guide people to debt freedom, and there may be a million reasons why a person or persons cannot enter an IVA straight away, but may be able to later on. If we all then refuse to review those cases then I am sure that the regulatory authorities would be very interested into the reasons why not.

Regards.

[MelanieGiles]

They definately stated this publicly at the IVA protocol meeting in February 2008, but there is no rhyme nor reason for this attitude. If this were a private sector company, people would be baying for blood - and I completely agree with Size 5 on this point.

Whilst the majority of the time the "free" sector do very good work, I do get fed up of seeing them being recommended with the perception that they do the best job!

[size5]

An invitation to a representative of CCCS to address this matter on the forum would be very welcome.

I wonder if Andy can arrange this?

Regards.

[CCCS Counsellor]

Hello,

I’m sorry to hear that you feel you have been ill-advised when you had your initial appointment. As I do not have access to your account and for data protection issues can not comment on specific clients’ on the forum. However, I will be happy to flag your concerns to the relevant department for you.

When giving clients’ advice, we do talk through all the possible options that are relevant to the individual’s circumstances. An IVA is not always the best option for everyone and I can only assume from the information you have given is that the equity in your house had a part to play in the advice given – again without knowing the full situation I can not comment.

We will be happy to review your account to see if there are any other options available to you.

With regards DMP and credit files, we do make clients aware that this could show as having arrangements’ in place and possible default notices and CCJ’s. I have attached a link to a booklet that you could have a read over that explains about credit files in details.

http://www.ico.gov.uk/upload/documents/ ... t_2005.pdf

If you would like me to forward your details to the relevant department, please email me your name, contact number and client reference number and I will arrange for someone to contact you as soon as possible.

Kind Regards
CCCS

[size5]

Are you in a position to comment on the policy of not reviewing DMP cases in regards to looking at possible IVA's?

Regards.

[jane.l]

I have a query too, if you read this thread: I have come across this more than once in the recent past few weeks

http://www.bankruptcyhelp.org.uk/forum/ ... 8675#37696

why are debtors being told they are not "allowed" to go bankrupt???

[topgeeza]

With regards DMP and credit files, we do make clients aware that this could show as having arrangements’ in place and possible default notices and CCJ’s. I have attached a link to a booklet that you could have a read over that explains about credit files in details.

I am not questioning this...but at least CCJs and Defaults only stay on a credit file for 6 years! My complaint is based on incomplete information/options being given to me before I entered into my DMP. I would have never entered into a DMP if I had been made aware that my credit file could potentially be negatively impacted by creditors reporting for 15 years as is the case for me

[CCCS Counsellor]

Whilst a client is on a dmp, we do contact our clients' every twelve months to conduct an annual review. During the review we once again we update the clients' budget so the figures represent the clients' situation. If as a result of the review, this changes the clients' best advice, then we discuss the options and then the client decides which route they would like to take.

If anyone is unsure of the advice they have received, please send us an email with your details and we will look into this for you. Our email address in contactus@cccs.co.uk

CCCS

[johnnybriggs]

It's previously been discussed on this forum that out of the thousands of people the CCCS speak to each week they still only generate about 50 IVAs per month. Is that correct?

I don't know if you can comment on that.

[topgeeza]

If as a result of the review, this changes the clients' best advice, then we discuss the options and then the client decides which route they would like to take.

Options??? The only options given to me by the CCCS were either a DMP or no DMP. No-one from the CCCS has ever mentioned the letters 'IVA' to me


From a CCCS perspective, what are the qualifying criteria for an IVA?

[MelanieGiles]

Are you saying that you are now reviewing your DMP portfolio, and that clients are being offered IVAs and bankruptcy as alternatives, where perhaps they may not have previously been given this advice? The reason I ask is that your Press Officer clearly stated at the IVA protocol launch in February 2008 that this would not be happening.

[jane.l]

Has my query not been answered? [:)]

[CCCS Counsellor]

It's previously been discussed on this forum that out of the thousands of people the CCCS speak to each week they still only generate about 50 IVAs per month. Is that correct?

I don't know if you can comment on that.

Hi Johnnybriggs,

Thank you for your message.

We generate about 60 - 80 IVA proposals a month.

Regards
CCCS