18 months to go!!!

Hi everyone, new user here.

I have been in an IVA for three an a half years now and so far so good, although...

I keep getting letters through saying that I have missed payments (I have not missed any payments!) and that payments made are below the amount agreed (again, not true!). When I ring the company they say that nothing is wrong and that I should disregard the letters.


Why are they seding me these letters if they know nothing is wrong? I don't trust them anymore to be honest.

Any advice fellow IVAers?


  • Charco_2
    Charco_2 Posts: 1,677 Forumite
    Who is the company? Maybe it's not fair to answer that!

    Ask them to send you a letter confirming that all your payments are currently up to date.

    When you rang them, did they confirm that they had sent you the other letters - even by accident? Or were they confused about the letters just like you!?
    Would you ask the wolves to look after the sheep?
    CCCS funded by banks
  • Nargleblast
    Nargleblast Posts: 10,762 Forumite
    Name Dropper First Post First Anniversary Debt-free and Proud!
    This may seem an obvious question but when you ring the company do you ask to speak to the person who signed the letters? I take it your bank statements prove you are making the agreed payments? Make sure you keep records of all conversations with the company until you get written confirmation from them that your IVA "account" is in order.
    One life - your life - live it!
  • MarkII
    Hi all

    Thanks for the reply.

    I definately keep a record of all conversations and can prove through statements that all my payments have been on time and correct. To be honest, entering an IVA was the best thing I have done but I sometimes wish I had used another company. I'll not name and shame unless they stitch me up, but the company in question has been named on the forum several times.

    Also, I have never managed in three and a half years to contact the person whos name sits at the bottom of the letters. The insolvency pactitioner is always 'unavailable'.
  • fiveyearplan
    fiveyearplan Posts: 10,143 Forumite
    First Post First Anniversary Combo Breaker
    You could always write to said person and see if it is them who replies. Is it a signature or scanned signature?

    :j :j

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