Beat the Bailiff & IVA. What the hell??

immoral_angeluk

I've just been watching Beat the Bailiff on ITV3 where they have a rep from payplan go in and advise the person on it of their debt options.

The person today had somewhere between 14-20k debt and less that £50 disposable income. He had no assets either and his car was worth under £500.

Yet Payplan said that his options were Bankruptcy or IVA, but an IVA would probably not be accepted by his creditors due to his poor repayment history.

Am I missing something?? How the hell would an IVA be appropriate for that guy??

Bethankim

oh dont get me started on the programm, the misinformation bears little resemblance to reality.

No an IVA would probably not be an option - call me cycical but payplan would advise for a reason...not necessarily the right reason:cool:

immoral_angeluk

Bethankim wrote: »

oh dont get me started on the programm, the misinformation bears little resemblance to reality.

No an IVA would probably not be an option - call me cycical but payplan would advise for a reason...not necessarily the right reason:cool:

They were giving all sorts of wrong info about bailiffs too, and completely ignored the fact that the guy had council tax bailiffs after him rather than normal bailiffs which of course meant they had more powers... they just talked about the process private bailiffs go through!!
Shocking!! :eek:

Bethankim

Oh i know its totally outrageous...i avoid it as its enough to make me want to throw something at the tv..and my blood pressure cant take it...:mad::eek:

I know its all about shocking people to do something, but balanced it is not..

fermi

immoral_angeluk wrote: »

Yet Payplan said that his options were Bankruptcy or IVA, but an IVA would probably not be accepted by his creditors due to his poor repayment history.

Am I missing something?? How the hell would an IVA be appropriate for that guy??

As said earlier, that is the sort of thing that has made me very wary of PP now. :undecided

immoral_angeluk

fermi wrote: »

As said earlier, that is the sort of thing that has made me very wary of PP now. :undecided

You're not kidding...

happychappy74

And to think Payplan is the debt advisory service of choice of.........the Police Federation.

:eek::eek::eek:

North_East_Derbyshire_CAB

Hi all,

Dealing with bailiffs can be distressing, whatever the issue.

Here's a useful link to an excellent user-friendly guide:

http://www.advicenow.org.uk/advicenow-guides/consumer-and-money-problems/dealing-with-bailiffs/

Hope this can be of some help.

NED-CAB

skylight

I think it has more to do with "control" and "censorship".

As in, if the general public really knew how "simple" (as in compared to other debt options like an IVA) bankruptcy really was, there would be even more people doing it.

Plus, I have noticed on those programs that what they do has little bearing on reality and the law. Again, it almost smacks of not wanting the public to be aware of their rights and just how much control they do have in paying/not paying debts.


Signed,
A. Cynic.

North_East_Derbyshire_CAB

Hi skylight.

Bailiff programs on the TV.......mmmmm.

NED-CAB

BigCraigJohn

Now this problem winds me right up. That host who also seems to uselessly present a program on antiques(not sure how she has expertese in both subjects but thats the bbc). I just find it all so patronising, the idea that all people in debt lived a life of luxury is so wrong. And surely bayliffs cant really come in and help themselves. I know personally ive only just started doing something about my debt after realising that nothing bad is going to happen to me. Sure my credit record with be ruined for a few years regardless of which route I go but I wont go to prison or they wont reposes my mums house and ruin the whole familys credit records(amazing how people get ideas from the media/tv etc). As a man with no assets the worst thing that can happen is I go bankrupt and start a fresh where I thought there was no way out.