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    • Creditors Name / Brand Acct Ref POD Balance Received (£) Claim Admitted (Y/N) Cabot Financial IVA 33749505 642.90 Y Cabot Financial IVA 35707961 8,162.07 Y Direct Legal Collections Q5180215 0.00 N Direct Legal Collections Q5185144 0.00 N Ee 157920642 0.00 N HMRC VAS JN434119D 0.00 N Lantern UK IVA M6152941 284.68 N Lloyds Bank IVA 6288 2,692.00 N Lloyds Bank IVA 30963530231568 5,596.00 N Lowell Financial 300092756 1,014.00 Y Lowell Financial 294767660 228.00 Y Lowell Financial 274783943 1,538.00 N Lowell Financial 241096338 1,343.68 Y Lowell Financial 280654617 22,446.00 Y Lowell Financial 264807132 1,189.00 Y Lowell Group 263221038 246.00 Y Perch Capital E0QZ6R22 0.00 N Zopa IVA E04E25C3B7434C8361 0.00 N Total Unsecured Creditors 58,978.33 Total SOA Claim 58,692.00 Fees and Costs £ £ Fee Type Proposed Approved Nominee Fee 1,900.00 1,900.00 Supervisor Fee 1,750.00 1,260.00 Disbursements 0.00 31.00 Adjournment Fee 0.00 0.00 Dividends Approved Dividends at first MOC (p in £) 8.87 Revised Estimated Dividend  (p in £) 8.83 Total Dividends Paid to Date (£) 276.29 Dividends Paid to Date  (p in £) 0.78 Case Details Income and Expenditure Reviewed N Arrears (Y/N) N Value of Arrears (£) 0.00 Current Balance at Bank 185.72 No. of Months Arrears 0 Original Duration of IVA 60 Payment Break Agreed (Y/N) N Current Duration of IVA 60 Breach Notice Issued (Y/N) N Subject: Request for Settlement Proposal Due to Changed Circumstances   I am writing to discuss the current status of my Individual Voluntary Arrangement (IVA), now in its 36th month. Following a recent income and expenditure review with a debt charity this morning, it has become clear that my financial situation has deteriorated significantly, making the continuation of the agreed monthly repayment of £140 unfeasible.   The primary reason for my financial hardship remains the ongoing health challenges faced by my two Sons, which have necessitated frequent hospital visits and medical care since 2017.    As a result, my employment opportunities are limited, and I am self-employed with Uber Eats to accommodate their medical appointments, hospital stays, and monthly infusions.   It is crucial to highlight that pursuing Debt Relief Orders (DRO) or bankruptcy would not yield any additional funds for creditors, as I reside in rented accommodation and possess no other assets or savings.   Furthermore, I do not foresee a change or improvement in my circumstances in the foreseeable future due to the long-term nature of my children's health conditions, and the health issues I am now suffering for to the stress of this IVA.    I have faithfully maintained my IVA payments for 36 months without missing a single installment. Regrettably, my situation has become increasingly untenable, leading to depression, anxiety, and suicidal thoughts related to the financial strain of the IVA.    To avoid defaulting on payments, I have resorted to borrowing money from friends and family, resulting in a further deterioration of my health and consequently even more debt which is definitely not the solution I expected from you.   Based on my recent income and expenditure assessment, I am currently experiencing a monthly deficit of approximately £650 due to the escalating cost of living. Therefore, I respectfully request that you propose an early settlement to my creditors, based on the payments made to date, taking into consideration the exceptional circumstances surrounding my children's health and my own mental well-being. My wife too is unwell and unable to work leaving me to look after them all with zero support from the government or council.    If it is not deemed appropriate to request an early settlement, I will have no alternative but to cancel the IVA and manage my creditors directly.   Additionally, I must convey my dissatisfaction with the service provided by Creditfix, to whom I have been referred from Hanover. The level of service at Creditfix has not met acceptable standards, and I feel confused and unsupported throughout this process. Despite my worsening situation, Creditfix has shown little interest in understanding my circumstances and instead has pressured me to increase payments. Your last email requesting modification and an increase in payments clearly demonstrated to me that you have no interest or concern for my family or my welfare and are our solely to get what you as much as you can, giving zero regard to my situation.    Lastly, I want to clarify that I have exhausted all avenues of financial support, and I do not have any friends or family who can lend me further funds to cover the outstanding amount on the IVA.   I appreciate your understanding and assistance in this matter. Please advise on the next steps and provide any necessary documentation to facilitate the negotiation of a settlement with my creditors.   I have attached a copy of my latest income and expenditure form that I completed this morning that shows how struggling I am right now and can't afford to pay this any longer.    Thank you for your attention to this urgent matter. I eagerly await your response.   Yours sincerely,
    • No because telling a story in your statement chronologically it would be out of run sequence. 
    • I have just sent my IVA company the following letter in going to wait to see it credit fox accept my request to put to my creditors or request to accept payments so far as my full settlement but I suspect credit fix will try they're best to avoid that happening - I'm confident the credited will agree but getting credit fix to agree is another story.    I have today sent them the following letter and if they don't accept I'll stop the agreement and ignore and on that instance plese help me clear all my issues guys as I'm sure I'll need lots of help to get the likes of lowell and Cabot of my back.    I do know that most thus debt was taken out around 2009 and 10 and some in 2015 meaning the original debt are all. Over 6 years for sure and I hope you guys can guide me how to deal with them now  firstly below is a list of all the creditors with amounts and some are duplicate and then followed by the letter I just sent to iva company 
    • I see CEL accepted all the stuff about you being a genuine customer and offered to settle the matter for £20. What was your logic for refusing their offer of settlement? I'm not saying you were wrong, we have plenty of cases where motorists have quite rightly told the PPCs where to stuff their £20 offers.  Just interested in your reasons for making the decisions you have been making about your case.  
    • Because its not connected to this claim.....Ideally if you had received the claim you would have requested information pursuant to CPR 31.14 and a CCA request for the agreement. DSAR only reveals your personal data held which would be minimal with the this claimant. You can leave it in if you desire but it adds no weight to your statement.   .
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BT - Just sick of them!


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:rolleyes::x BT is a subject that makes me cross! Since we moved to our present home 18 months ago, our phone line has not worked a total of 5 times. Having spoken to a BT bod, he told me the cabling is substandard, aluminium was used as copper was in short supply, or something like that. Our neighbours also have problems espeicially with Broadband, constantly cuts off. Aluminium is not such a good conductor as copper, or soemthing like that, was my answer. So, I am challenging BT for not providing a satisfactory service. Was very interested reading the thread about £10 late payment charges etc.. just below this one I think. Complaint letter went to BT on Friday and no doubt they will take weeks to get back to me! Will keep you posted.
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I have BT broadband & its a load of rubbish. It disconnects more times through the day than I use it & I sometimes have to re start the computer to try & get it working.

When i changed from cable to BT last year I had terrible problems with the phone line, the phone would ring on its own, calls would get cut off, bad crackling on the line & we couldn't get the internet at all. I rang BT & they sent an engineer out twice, the second time I was charged. I got them out again & on the 3rd occasion the engineer knew straight away what was causing the problem & within minutes my line was working perfectly. The wire from the post out in the street to the house was loose & as the wind blow it it caused a disconnection.

I did get a refund on the engineer charge but they did make me feel I was going mad. I still have problems with the broadband & as soon as my contract is up & am switching providers.

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It is true that copper is dearer (and a better conductor) than aluminiun, but htat's not a valid reason to dispute making payment. Irrespective of the technology (I'm now using fibre!) they have to provide you with acceptable VOICE service - there is no legal obligation on BB or Fax & data. You cannot 'challenge' BT to provide a service - they either give it or they don't. They have a legal requirement to provide an 'acceptable' voice service, so remind them of this.

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  • 4 months later...

I have just noticed that I started this thread on Oct 30th last year and I had just sent a letter to BT. Well, lots has happened and below is the letter I am now sending them that explains the situation - It hasbmade me chuckle though!!

 

14th March 2007

 

H Khan

Customer Service Advisor

81 Newgate Street

London

EC1A 7AJ

 

 

Dear Sir/Madam

 

YOUR REF: xxxxxxxxxxxx

 

Thank you for your letter of 21st February 2007. I must confess to chuckling to myself on receipt of this letter as it was BT who failed to reply to my letter months ago, then cut the phone off, proceeded to send my account to a debt collector and have now written to me asking how they can contact me via telephone or would I indeed call them. It could be said that if my original letter had been dealt with correctly, this matter would have been sorted out well before Christmas!

 

I am unable to supply a telephone number as the mobile phone I have is supplied by my employer and I will not disclose this number to be pestered with calls from “India”. Secondly – I contacted BT before Christmas to advise that I was moving and would no longer require a BT line. I was told that the contract was until March and I could not cancel it. I then suggested that the line was transferred to our new property but that was not possible because I wouldn’t pay the bill. Yet I was still waiting for a response to my original letter.

 

The crux of the problem here is BT has not supplied a service to which they expected paying for. You have a legal requirement to provide an “acceptable voice service” and this was not done. The line connection to xxxx xxxxx was atrocious with callers not able to hear us and vice versa and the Broadband connection was connecting and disconnecting constantly. The phone line was also “out of order” at least five times in less then 18 months. To add insult to injury the phone line was cut off because one department within BT did not know what the other was doing – although it appears that the department dealing with customer complaints and queries wasn’t doing anything anyway!

 

Our post is being forwarded to our new address so I suggest continuing to use the old address so as not to cause any further confusion within your various departments. I look forward to an full explanation.

 

:confused: Will wait and see what happens now!

All the best to everybody.....

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I had thought that ADSL broadband doesn't work at all with aliminium lines, which some people do have.

 

However BT's only obligation, as rightly pointed out, is to provide an acceptable voice service. If the line isn't up to broadband, it's "nobody's problem" (in effect it's your "fault" for choosing to live where you do rather than BT's for substandard wiring, they are not obliged to do anything about it) and people reporting issues with their broadband on marginal lines occasionally find the broadband switched off on the premise that it never really was possible to provide it reliably in the first place and that line marked as being unable to support ADSL.

 

I had thought that they had some kind of compensation scheme if the line is down which will have maximum limitations for a domestic service - might be worth a hunt around the BT website. Perhaps you can "claim" for the five instances. This is worth a read, especially the section towards the end:

 

http://www.btplc.com/Thegroup/Regulatoryinformation/Codeofpractice/Consumercodeofpractice/code_of_practiceFINALPHME.pdf

 

Can't you and your neighbours get cable? :)

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It works with aluminium pairs, but there is greater signal attenutation, which affects speed. It will not work on any line that is provided as a 1+1 carrier, if the line provided is not on the wired side of the connection.

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Thank you all for your comments. I'm not so fussed about the BB but what was annoying was not being able to hear a caller and vice versa. If so much as the kettle was put on then you might as well have given up on the conversation, it was crazy plus you had to quietly shout down the phone. This is my gripe about it all and then not replying to a letter posted on 28th October I think. BT and customer service are a thing of the past. It was one of their own technicians who told me the wiring to all the houses in the area needed renewing!

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I did. Bought a new one specially.... no difference. And it was a BT one so not cheap. But you know what is nice, not having a phone at home... no unwanted phone calls (Crap One), not being able to sit doing BB (can do it at work), it actually takes pressure away. Cant check bank accounts so do on Friday to make sure all is ok so realx about that. Dare I say there is a lot to be said for not having a telephone. Crazy as it might sound.

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  • 1 month later...

Well, carrying on with the above, I received another letter asking me to advise of a contact telephone number to BT could contact me. I can't actually remember quite what I did as toe nclosures but I sent it off to the London offices of BT addressed to The Chairman! Well, I've had a reply from teh Chairmans secretary who advises they will be looking into it. As the account has been sent to a Debt Collector, I've forwarded it back the Chairman's Office and asked him to sort it out!!!! But I still have not had a reply to my letter of October 2006!

 

Watch this space!!!!!

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Dear Buzby,

 

Am I correct in thinking that BUZBY was a Advertising Campaign for BT years ago? Don't tell me you work for BT... OH ^&&^%$%$% !!!!!!

 

 

No. Buzby had nothing to do with BT. He was the invention of Post Office Telecommunications Ltd!

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I've still got a buzby (little yellow bird) pendant, can't remember where from, long time ago:D

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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