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    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
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Hi all. 

 

My wife and I are entering Into an IVA, due to my children’s health and this having an impact on my health and ability to work as much we are unable to meet our bills and live. 

 

The creditors meeting was held yesterday and the IVA people have come back to me with some changes which I think are totally unacceptable, my wife and I both have blue badges and receive PIP. We have 5 children, including 18 Month old poorly twins who are often in hospital or at hospital appointments. My wife and I also have regular appointments separately, the reason I am saying this is because one of the changes are in relation to our vehicle which is on finance and more is owed than the vehicle is worth. 

 

I will paste below what we have been sent - 

 

Quote

- The debtors must apply for Carers Allowance and provide evidence of the decision to the supervisor within 16 weeks of the arrangement being approved.  60% of any monies being received as a result of this must be introduced into the Arrangement for the benefit of creditors.

 

- 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 must make immediate arrangements for the sale or return of his vehicle, any shortfall may be introduced into the IVA.   The debtor may retain £250 per month to obtain a replacement vehicle with the surplus funds being introduced into the IVA for the benefit of unsecured creditors.

 

- The debtor is to seek alternative car insurance with a view to reducing the currently monthly expenditure.  The debtor is to provide the Supervisor with documentary evidence of his investigations within three months of approval.  Any surplus is to be introduced into the arrangement for the benefit of creditors.

 

- No variation meeting may be called during the first 24 months of the voluntary arrangement which will lower the dividend available to unsecured creditors

 

- Voluntary contributions are to increase to £185 in month 11 when rent arrears end rising as per the original proposal and in accordance with reviews

 

 

 

Now we can’t get careers allowance and if we were to apply again - both being in receipt of pip is likely to trigger assessments on us both again (happened last time we applied for this) 

plus I earn more than £123 per week. 

 

When we were going through the proposal I was assured the vehicle would be protected due to our health status and the need for the vehicle we have. Yet they want me to hand it back, add extra debt into the IVA and find another one for £250 per month - with 5 defaults and a trashed credit record.  ? I have outright refused this so far. 

 

The car insurance one is laughable, who buys car insurance that isn’t the cheapest to meet their needs ! In any case it’s paid now for the year ..... 

 

I can’t agree to no variation meeting for 24 months as I’ve unstable health and ill children, I can’t predict what will happen during that time ! 

 

 

 

Is there a way to approach this to maintain the vehicle etc ?

 

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I seriously question the need for an IVA for consumer credit debt.

 

why cant you deal with them yourself?

 

can you list your debts please?

 

most of your debts as you say are already defaulted so wont be that long remaining on credit files i bet

 

dx


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The defaults are all recent, there are more historic ones.

There is £6k of hmrc debt also for tax credits overpayments. 

Furniture finance of £4K 

numerous credit cards which all recent (last 2 years or so). 

 

I can’t list everything as I’m working and don’t have the info with me. 

 

Edit- to be honest we haven’t got the strength or time with our health and babies health to deal with them ourself, it would be too much. 

 

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The creditor demanding these changes is refusing to ‘negotiate’ and causing the IVA to be rejected. 

This is now going to force me back onto beneifits as I’ll have to quit work - not enough hours to cover the bills. Can’t find other work - I’ve tried ! 

 

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probably a good thing then.

 

 


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Just now, dx100uk said:

probably a good thing then.

 

 

How you figure that ?

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post 2.

 

you can deal with creditors by sending our pro rata letter making a small offer.

 

 


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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4 minutes ago, dx100uk said:

post 2.

 

you can deal with creditors by sending our pro rata letter making a small offer.

 

 

 

We have over £2000 outgoing bills per month. I can only just afford the £160 Iva payment monthly ..... I can’t see how offering them a lower payment is going to help 

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just type no need to hit quote....

 

then you offer <£5 to each one.

they are duty bound to HELP YOU.

 

if they refuse.

you send the 2nd letter that says you are not helping me 

heres £1PCM till I die ..now go away.

its quite simple

then you've not got a stupid IVA around you neck that does you over for another 6yrs on any credit.

 


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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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But they will still chase us and can take court action .... not a solution to us ? 

 

 

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no THEY wont..

a dca that buys the debt might..eventually..possibly..

OC's don't do court.

so play them at their own game..they must help you.

that will give breathing space on all debts

then you can re group..

 

TAKE CONTROL its YOUR MONEY

not BE CONTROLLED

as to what you do with it.

 

it really is quite easy once you string things out and break them down

overall to date looking at your threads 

you've done fine.

 

 

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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