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Hello to everyone on this forum. I just would like some input/advice from the experts on this forum regarding my IVA. Since I launched an IVA a couple of months ago, I have found it difficult to contact the establishment I signed up with for my IVA.
They can take up to 7 days to reply to emails I send to them and getting them on the phone is so difficult and when you get them after trying days on end, they cannot wait to get off the phone quickly and tend to not give you a proper answer to a question that is asked but rather answer indirectly.
Also before the creditors meeting took place, they were very quick to take in advance the agreed amount of money that I could afford to pay on a monthly basis for the IVA and at the time the creditors meeting was not even initiated or the process active.
I did ask them why they debited this agreed money payment before the IVA was set up properly, and they were going round in circles and did not give me a direct answer to my question. What is very worrying to me is the fact that they are not easy to contact as stated earlier.
Also I received a number of default notices from one of my creditors in regard to my credit card, and I tried on numerous occasions to contact this establishment for up to a week and a half, and one of the customer service representatives just told me to write a letter of complaint to my creditor and point out to the creditor concerned that they agreed to the IVA and therefore should not be writing to me.
This was the advice I was given, which wasn't a bad advice at all I must say, and I have followed this customer service representative's advice and wrote a complaint's letter to the credit card company.
What I would like to know is whether this IVA firm that I have signed up with will be providing me with a record/statement of my payments into the IVA fund, as when I was on a debt management plan with Stepchange Debt Charity, I was receiving monthly payment statements from them both online and via the post and these statements always had the balance of monies owed to my creditors as well as the amount of money I paid to them?
I would be very grateful to receive advice in regard to this matter. Thank you very much for all your kind help in this matter.
They can take up to 7 days to reply to emails I send to them and getting them on the phone is so difficult and when you get them after trying days on end, they cannot wait to get off the phone quickly and tend to not give you a proper answer to a question that is asked but rather answer indirectly.
Also before the creditors meeting took place, they were very quick to take in advance the agreed amount of money that I could afford to pay on a monthly basis for the IVA and at the time the creditors meeting was not even initiated or the process active.
I did ask them why they debited this agreed money payment before the IVA was set up properly, and they were going round in circles and did not give me a direct answer to my question. What is very worrying to me is the fact that they are not easy to contact as stated earlier.
Also I received a number of default notices from one of my creditors in regard to my credit card, and I tried on numerous occasions to contact this establishment for up to a week and a half, and one of the customer service representatives just told me to write a letter of complaint to my creditor and point out to the creditor concerned that they agreed to the IVA and therefore should not be writing to me.
This was the advice I was given, which wasn't a bad advice at all I must say, and I have followed this customer service representative's advice and wrote a complaint's letter to the credit card company.
What I would like to know is whether this IVA firm that I have signed up with will be providing me with a record/statement of my payments into the IVA fund, as when I was on a debt management plan with Stepchange Debt Charity, I was receiving monthly payment statements from them both online and via the post and these statements always had the balance of monies owed to my creditors as well as the amount of money I paid to them?
I would be very grateful to receive advice in regard to this matter. Thank you very much for all your kind help in this matter.
