Hi I've recently been transferred to creditfix from Melanie and have offered a full and final settlement as I am desperate to end my iva asap. I didn't sign the new terms and conditions as I did not think this was in my best interests. However creditix have advised that I have to sign the new terms in order for them to take my full and final settlement to the creditors. Does this sound right? I wanted to check as I don't think I should have to. Thanks
Hi and welcome to the forum I am sure an expert will be along soon to offer advice, If you have this in writing from them I would make a formal complaint through the Insolvency service I do not see how they can hold you to ransom over this. Yet another fine example of great customer care from this cowboy company!!
Inter-locking IVA approved 25th Feb 2013 - F&F offer Accepted 06th July 2017 - Completion Certificate received 20th July 2017
Totally wrong information from CreditFix. Demand to speak to your IP personally not just some desk jockey. Your existing T&C's are a binding contract irrespective of who now holds the reigns of your IVA. You have a right to submit your F&F as your T&C's exist now.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
Thats surely not right. You have legally binding t&cs. You are under no obligation to sign theirs and to basically blackmail you is out of order. Sick to death of this now.
I have been waiting for this to come up! we are in a similar situation as in trying to get together a F&F through family, but like yourself we have not signed the new T&C's and we do not intend too!
It would be good if an expert could maybe shed some light on this situation?
i too was 'transferred' to CF From Mel at PJG. the only reason i went with her nearly 6 years ago is because they were professional, easy to talk to and knew their stuff.
from what I'm seeing, this new crown are far from it and lets hope the IVA's don't go back like they were in the dark old days.
I won't be signing anything as I'm ready for a f&f also!
F&F Accepted on 12th March 2015!
Completion Cert arrived 26th March 2015!
Hey
We had to sign the new terms for our f&f to get a date. however it came as a variation in the paperwork that was sent to the creditors. I did check with the experts of the forum and they did explain that what the variation terms are the creditors have to vote separately on each point ie. The fee increase. We signed it and hoping for the best. Our meeting is on the 11th feb so will keep the forum updated when i hear something next week.
Hi thanks for the replies so far, I am confused if the previous post is saying they did have to sign the new terms. I have got this in writing off credit fix but really don't want to be pushed into signing. Thanks again
Ask CF to put there "request" in writing regarding the signing of there new T&C's. I would then make them aware that you intend to complain to the IPA regarding there actions. I am now recording ALL telephone conversations I have with CF, and have already opened a complaint against Wrigglesworth.
I received an email from credit fix today stating that if I felt strongly they could not force me into signing the mass variation.
I do feel strongly which is why I emailed in the first place - so I will not be signing.
Put your concerns in writing and lodge concerns and complaints to the insolvency service if you do not get a response that is consistent with your existing IVA contract.
Just been going through some communication i have had with CF.
I have an email which states 'I can confirm that all cases will still be run the same and any agreements made between yourself and PJG will be honoured.'
So this is what i am going to show when they try to push me into signing new terms and conditions.
I cannot see how you can be forced to sign new T&Cs for a F&F. It is your right to propose any variation and I agree that any such demands should be requested in writing from the IP. You can then seek legal advice if necessary.
Mummyx2. Best of luck with your offer and I really hope it goes through. I would also love to see how creditors vote on each resolution when the Chairman's Report is circulated. Not sure where I could get one though!
Hi thanks for the replies I have got this in writing from credit fix "please confirm your consent to the changes of the terms of your arrangement. We need to have your consent on file before we can propose the offer to creditors" I feel like I've been backed into a corner as I want them to put the offer forward Asap so I can be free from credit fix. So if I refuse to sign I wonder if this will cause a significant delay in f&f process
Write back and tell them they already have your consent to put forward the offer to creditors. They do not have your consent to change the T&Cs and you wish the meeting to proceed. If they refuse ask for this to come directly in writing from the IP themselves.
Thank you Michael I have emailed CF back, hopefully I will hear from them soon, I will update the forum with their reply as this may help other people in a similar situation
