CREDITFIX ????

[katikat]

Me too, got the letter about the t & c's today where they say they have been trying to contact me. Only contact I've had is when I've called them and I've not had the promised welcome pack or phone call! Still no annual review that was due in October either. I'm thinking of sending them my PJG template filled in with the new details and then at least they can't say I haven't done anything. I've emailed 4 times now about my review and each time have been told "in a few weeks"

[recovering]

I thought there was a time limit on annual reviews? for them I mean?

[luluj]

Clearly communication at Crexitfix is not their priority ... this is an awful situation for you all to be in.
I would personally use email to contact them as you will have audit trail to show your attempted communications.

[plasticdaft]

Have the dividends dropped due to them working on the 23% fees assumption?

Ridiculous situation to find yourself in,not having a clue what is going on!

Paul

[abbiesmum2003]

Exactly lulu...im going to email them and say email or post communication. Phone chats cant be tracked or reliably recorded.

[Foggy]

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

I thought there was a time limit on annual reviews? for them I mean?

They have to be reported back to the creditors within 2 months of the anniversary ( review) date. There have been a couple of posts lately which suggest they are, for want of a better expression, "fudging" them at the moment.

[hubert]

Keep records of everything. All payments to them, all calculations for uplift. When sending uplift, email them the payslip and ask them to let you know if they don't agree with your calculation (i.e. no reply needed if they do agree).

If you are waiting on them for the outcome of a review or similar, keep the ball in their court as much as possible. Just like in business

Whilst waiting, regularly email about progress. Remind them to let you know if they need anything from you and that you are still waiting to hear from them. Word it in a way that needs no response unless they do need something or have news. That way, their lack of replies can later be used as evidence they needed nothing and had no news.

Keep all automated responses as proof the email arrived.

If they do ask anything, reply as soon as you possibly can, do not delay.

If you do all the above, when they do finally get their act together and come back to you, it places them in a VERY weak position to make demands, especially urgent ones or back-payments etc...

I don't think they will be playing nasty, I really don't. This is just about playing safe

[recovering]

Foggy I take it if they don't complete the report it's them that are in breach? If they don't communicate it can't be our fault?

[Foggy]

Technically the breach would be their fault. However, to be on the safe side I would scan and send copies of whatever was required at the last review along with an email requesting confirmation of receipt and to be advised of any further requirements by return.

[recovering]

Mine is not due until Feb, I can't get a reply at numerous emails. still haven't had confirmation that my uplift in Oct was right, even emailed over a copy of last years review report as they couldn't grasp my wages change every month

[SUC]

What a complete nightmare that you have to do this. Collectively we should set up a grievance to the Regulatory Body and they should be held to account for the undue stress they are putting its clients under. If the role was reversed I am sure we would feel the full force of non compliance.
I for one have heard nothing, but completely dismayed by other clients treatment.

[recovering]

I don't believe they are nasty (hopefully) I think they are obviously overwhelmed I just think it's a cheek to send out new T&C requests when they don't/can't answer perfectly routine questions in a timely manner! Not that I would sign but dealing with our queries properly or at least replying would surely make us more likely to? The conversation I had with them was actually ok it's just the waiting......

[leaKybrain]

Ours is due 14th Dec, and usually it would take it til Feb before we would have had confirmation and review completion from PJG.

I can only assume there must be some contingent in place for transferred companies to have a bit longer time as they must have known they wouldn't be able to complete everything in time. That reviews wouldn't be going ahead on time.

I had already planned to do my own review after Christmas and then email it off to creditfix. Simply because I know there is going to be an uplift as hubby got a Christmas bonus for the first time ever, and because he found work six months ago it meant our finances changed....not necessarily better than when he did work, but def better than jobseekers LOL.

[mrsbee]

Updated to add that I had a reply from Jaimie saying that hes sorry I haven't had 'welcome pack' and it will be sent (still not received) and that he does not deal with my questions regarding 'annual report' and that he will get someone to look into it. Put it this way I'm not holding my breath as in the meantime we have also received the standard new T&C's letter which we won't be signing. As a matter of interest does anyone know if we can complain to any regulatory body about our treatment over this transfer? I'm not happy about it on many levels, but this review business is a worry as is the fact that they want us to sign new T&C's. Meanwhile I shall try to enjoy Christmas with my family and put this to the back of my mind, at least the stress is helping my diet along no end silver lining and all that!
Merry Christmas to all x

[Cath]

I received a letter which said:

Please find enclosed a copy of my annual report pursuant to rule 5.31 of the Insolvency Rules 1986.

Is this my annual review then? There is some small print which says 'in view of the increased level of creditors claims Pick reason(s) for reduction: The dividend has reduced due to a reduction in contributions and/or increased disbursements. I anticipate that creditors will only receive a total dividend of 13.52p in the £ compared to 22.00p in the £ as estimated in the arrangement as approved.

A company has been engaged to analyse the credit agreements for the debtor, whether secured or unsecured debt, with a view to claiming monies for the arrangement. The company has been paid an amount for auditing the file and I have agreed a contingent amount on successful realisations of any claims. PPI External consultancy refers to the fee paid in respect of the work carried our by the company agent for auditing the file prior to the claim being successful.'

There are new costs for Vision Blue which appears to be a case management software package that we are now paying for via our payments!