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My IVA which I began in 2021 has for around a year now been passed to credit expert - I find this company and it's staff obnoxious and insensitive money grabbing monsters. What is my legal right can I have my IVA moved to another ip what happens if Hanover sell my file? I am ina real bad situation where my kids are unwell and this crest expert supervisor is saying I should try more than what I agreed despite my situation being very bad and kids unwell. I feel like they are bullying me and I duh I where to turn. I keep getting emails saying we at credit expert are in charge of your iva now but still I got messages about my review annual from Hanover which I sent documents and now I got a response from credit expert saying they think I agreed to pay more - how ludicrous is that how can I keep these bullies at bay. Who can I complain too without messing up my IVA. I'm going to post below what they sent me please someone help me as they are making me suicidal now. These evil people g coincidently all Indians with weak English which is another issue as communication feels like a battle each time. Good afternoon, We hope you are keeping well. In accordance with the terms of your voluntary arrangement you a required to comply with the following modification: The debtor must seek to either obtain full time employment or improve self employed income to equivalent thereof as soon as possible and a full review of the debtor’s income and expenditure must be undertaken by the supervisor. The contributions shall increase after taking into account any increased costs in respect of travel and should commence in the month following the review. If any instances of co-habitation with the debtor by any person aged 18 or over occur during the term of this arrangement and where there is reasonable expectation that board and lodging should be paid, the contribution will be added into this arrangement in full. The debtor agrees to provide an income and expenditure review in the month following any loss of child related income. Any surplus identified is to be made available immediately for the benefit of unsecured creditors in the arrangement. In order to ensure that the terms of the voluntary arrangement are adhered to, I require you to provide evidence that you complies with the above modification along with any supporting evidence. Alternatively, if you believe you are no longer able to comply with the modification please do inform us. I eagerly await your response to the points raised within 14 days of the date of this email. If you have any further queries, please contact Customer Service on 0800 0431 431 or by email at [email protected]. Thank you for your comprehension. Plese guys advice me what I can reply as I don't have any more money for these thieves and their annual review is an annual monster nightmare how can I tell them I'm not willing to be bullied and can't paid more تھا ks -
Thank you. I will send letter off to Trade Centre UK today and if I don't get anywhere then I'll contact the credit company. -
The relevant notes with regards to Reconstituted versions of an agreement if you wish to rely on an exhibit. Waksman Reconstituted Agreements.pdf -
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By supernick90 · Posted
thank you. I assume therefore that this would be a no to mediation. I imagine it becomes very likely I will then have to physically go to court?
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Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available
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We have finally managed to obtain the transcript of this case.
The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.
Frankly I don't think that is any accident.
One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.
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OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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reg.05783665
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262 Uxbridge Road, Hatch End
England
HA5 4HS
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