CF again....

[doritos]

there isn't but they have the weapon of "shut your traps or we'll fail you", which gives them what they feel is carte blanche to change the rules around as they see fit.

Keep everything in writing and any cause for concern get it over to the insolvency service

[thisusernameistaken]

One if the things that concerns me most is the misinformation given by CreditFix. On more than a couple of occasions it's been clear that the person answering my query is wrong and I've had to correct them.

I'm very worried that our IVAs are being dealt with by case workers who don't really know what they're doing.

[doritos]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by thisusernameistaken

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Almost done now

Is that the IP that's closed her email account? GOOD LUCK!!!!!!!!!!! oh im so so mad.

Susan has closed her email account? WTF?

This whole situation is unacceptable.

only 1 R in her surname. or use SMW@

[Cariadqueen]

I can't get my head around what they want us to do with the contingency money we need to save each month i.e car tax/car repairs etc.

I really hope they are not suggesting us withdrawing it and keeping it in the house, that is so irresponsible for numerous reasons and we dont exactly live in a lovely area!

My idea of an IVA is to try our best to sort our debts out and pay back as much as we can whilst using the IVA to teach us how to save and budget, CF seem to want to make this as hard for us as they possibly can.

[Shining]

To me there is a serious error here as all other professionals on the forum now and in the past have actively encouraged savings accounts.

Good example of £400 windfall above, assuming you have the £500 clause - it's yours to keep so how can they then backtrack and take it off you as an assert?

[abbiesmum2003]

They must have made a mistake. They surely cant be serious that our share of overtime and any sensible spending is also claimable by the iva? Im reluctant to make contact with them/Greg because they can then potentially identify who we are on here. This is all so concerning. Ive looked on insolvency service website. Have you made contact via email form or direct via telephone?

[doritos]

I'm not fussed if they figure out who I am..

whats the worst they can do.. they are regulated they can't make it personal (or if they do then it gets ugly for them far faster than it gets ugly for us)

[thisusernameistaken]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by abbiesmum2003

They must have made a mistake.

I agree. What's worrying is that such bad information was given as fact.

If I want to put my share of the surplus in a separate account then there's no legal reason I'm aware of as to why I shouldn't.

CF should be dealing with and addressing these concerns publicly on the forum, not insisting people email them. It's not like there is any personal information being given or required and this should be standard stuff to answer.

I don't know why they won't.

[abbiesmum2003]

ok so ive done some internet searching....Insolvency service search for ip...found Susan....clicked on the link for her authorising body...came under 'IPA' Then did a search for her under IPA IPs...it found her but then states 'not in practice'. Now that concerns me! If im not registered under my registered body I cant practice...something not right there. Anyone else find anything?? Ive read the IP code of practice too tonight.

[abbiesmum2003]

Im going mad....just done it again snd now under status its blank!!! So glad my hubby is sat here and saw it too!!!

[abbiesmum2003]

It appears if you click on the email address.

[grimswold]

Investigation Committee
Disciplinary Consent Order
Publicity: The Investigation Committee (“The
Committee”) issued a Disciplinary Order by way
of Consent against Mrs Susan Wriglesworth
(of Shipley, England) pursuant to Committee
Rule 5, on 4 March 2010. Mrs Wriglesworth was
found liable to disciplinary action under
Article 66.1.1 by reference to her conduct as
Nominee in relation to an Individual Voluntary
Arrangement (‘IVA’), being found to have
breached the Association’s Guide to
Professional Conduct and Ethics principle of
Due Skill and Section 258 of the Insolvency Act
1986 (as amended) by failing to obtain debtor
consent to IVA proposal modifications and
failing to evidence that certain concerns
of the debtor had been addressed. Mrs
Wriglesworth was reprimanded, fined a sum of
£1,000 and ordered to pay a contribution to the
Association’s costs of £500.

Wonder what will happen if we don't sign T&Cs?

[grimswold]

Previous disciplinary action surely means that the insolvency service are more likely to take action again if there are a lot of complaints about T&Cs, savings accounts etc? The action above looks like it was down to a similar situation that we are all in with the T&C and she was working for Creditfix at the time.

[starbucksqueen]

All of this is extremely concerning to both myself and my husband who have also been transferred over to CreditFix.

We have another account in which we transfer over self employed tax money and also any maintenance money that is not used that month like car maintenance or clothing money, this is NOT an asset or savings this is money for paying bills or replacing clothes as and when me, hubby and the kids need them! not to mention birthday gifts/Christmas/School trips how are we supposed to fund these if any money saved is considered an asset?!

I am extremely concerned with what is coming to light on Creditfix's way of thinking and doing things which seems to be polar opposite to pjg and also it seems other IVA firms that are represented in this forum.

It would be good to have Greg or someone else from CF come on here and clarify the issue with having a second account/savings account rather than just the same line of ' please email me' as this is not filling anyone with much confidence at an already difficult and worrying time.

[ridingthestorm]

Very interesting Grimswold...