PJG

[recovering]

I am trying to be calm, rational etc seems odd how some people get a response straight away and others (me) get nothing,[:)] 5 days now

[Foggy]

I would resend with a gentle reminder, recovering. Personally I have no faith in shooting mails off into space, being an old dinosaur.

[recovering]

Will resend! They have had my uplift already! I would like confirmation its correct, so when they see my payslip next month they dont ask for 500 like before

[stepbystep]

Sorry for the delay:
I'm self employed and used to just provide accounts and I And E but I was advised by credit fix they need accounts, 6 month bank accounts business/personal and proof of all outgoings on I&E
I bank online and don't get paper bank statements and I felt it was a bit much when I provide accounts etc anyway. Grrrrrrrr

The best thing to do is call them, even tho they didn't tell me what I wanted to hear they were professional well informed and could answer all my concerns. #128561;#128561;#128561;#128561;#128561;#128561;

[recovering]

Not so easy phoning when at work all day, I am on the road before 7am tomorrow won't be home before 7pm

[ivamess]

Plus calling means nothing is written down, so there is no proof of what was said. Feel a bit sick when I read what stepbystep wrote.

[ivamess]

Plus calling means nothing is written down, so there is no proof of what was said. Feel a bit sick when I read what stepbystep wrote.

[andrewf]

been with PJG for 13 month now. I received the letter a few days ago and my initial response was just not to worry about things a cant change.

After a little reflection, like most, I feel disappointed, concerned and relieved all at the same time..

I spoke with a few IP's before starting down this road and have to say that without doubt Mel and co were far more understanding and supportive than anyone else. They made sure we had enough to keep up the repayments, and seemed to have a totally different perspective on the IP to debtor relationship/ability to offer advice.

I was amazed at how much time she and her staff had to spend on this site, and out of hours to answer phone calls and emails offering advice and assurance to customers and potential customers.

(if it's too good to be true.................................................)

Reading through the majority of the hundreds of posts about this 'creditfix take over' makes me feel even more suspicious about this situation.

If my IVA is destined to fail because of a over helpful IP with unacceptable expenditure rules, I would rather it fail sooner than later.

Most firms when I started told me I didn't have enough disposable income to pay off sufficient p in £ to be accepted. Mel and co accepted it, and reminded me of lots of expenditure I spend and failed to list in my initial estimate thus reducing the repayment amount further...

MAYBE...
The fact is, over the last year the company I started my IVA with merged into PJG, and now have been sold to creditfix. Maybe this was no accident???

When I look at how much time I have taken up, against how much PJG have charged, I find this incredibly hard to believe PJG sold it because they couldn't make ends meet. (even paying accountants wages)

Maybe this has been the long term game plan for mel and her staff... Build up a business by taking on as many clients as possible by telling people what they want to here, working all hours to maximize the business sell off lump at the end. (knowing they wouldn't have to justify the interrogation at the final review by the creditors as the business would be sold on anyway...)

This would explain the extra ordinary helpfulness and terms accepted at the start.

Not all have moved to creditfix, and my guess is... Creditfix will have reviewed what they are taking on, and tried to sort out the wheat from the chaff. As does business.. PJG will get to keep just as many water tight cases as lost causes rejected by creditfix to make ends meet.

What happens next to the rest of us who have moved on is anyone's guess. Us creditfix customers have no way knowing or changing that.

I just keep telling myself creditfix will make more money out of me if they help me to complete the term successfully, rather than if they squeeze me and make me fail.

If I am right or wrong on this doesn't matter.
If I am right.. Promoting a business and growing it to be sold to the highest bidder is simply business. By doing this I have been in the right place at the right time getting more help than I would have normally.
If I am wrong.. Thanks for your help Mel and co. your extra ordinary efforts towards your clients has obviously not gone unmissed. Sorry to find out that this has probably been the demise of your business, and goodluck for the future.

Many, many people are thinking along these lines, and have posted in a more discrete manor, but hey, "I am Spartacus"

Mel and co have given us lots of help over the years so let's all wish her the very best in her retirement living in her newly acquired beach side property, located on the southern shores of Hawaii.


Good luck all, fingers crossed.

[recovering]

I thought I was cynical, Everyone entitled to their opinion but I disagree. Not sure how you can say that when we do not know anything about the situation apart from rumours, I for one believe Mel to be caring professional and realistic, helped me through a really dark time I am unhappy at the transfer but wish Mel all the happiness in the world. I am reserving judgement on Creditfix until I know all the facts

[Cariadqueen]

What concerns me at the moment is that people seem to be getting two very different stories, One person being told at review time its the same as PJG as in send in bank statements/tax return and I.E then another told as well as all the above info you have to send in bank statements and prove all expenditure! The latter i think would be a real nightmare and i hope when it comes to completing mine and my husbands review ( which should have been now but been told to expect a delay) it is similar to PJG's way of doing things.

I personally think it would be good for Creditfix to get someone answering general queries on the forum, that may help towards putting a lot of peoples minds at rest.

[vito]

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

Which reminds me - I must download their credit clean up template while it is there. (If it still is !!).

Good idea, maybe host it at DropBox so folk can grab as needed

[hubert]

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

What concerns me at the moment is that people seem to be getting two very different stories, One person being told at review time its the same as PJG as in send in bank statements/tax return and I.E then another told as well as all the above info you have to send in bank statements and prove all expenditure! The latter i think would be a real nightmare and i hope when it comes to completing mine and my husbands review ( which should have been now but been told to expect a delay) it is similar to PJG's way of doing things.

There's an awful lot of cynicism here, even verging on the paranoid perhaps!

How the heck can any IP check a year's worth of expenditure to make sure you spent exactly what you said you would?

Ok for car insurance, phone bills, TV licence... maybe that's easy.

But for shopping and other things that are not direct debits, it's ridiculous.

Could you yourself even verify exactly what you spent on food, toiletries and other essentials every single month for the last year? I couldn't!

What if we could and it was less than your I&E? What does that mean?

Your I&E forms the baseline of your IVA. It is an estimate - an ESTIMATE.

How did you come up with the original? Did you really have 100% accurate and perfect figures for the coming year?

Did you really know a year in advance how much exactly you'd spend on shopping?

Did the IP expect you know exactly?

If your I&E states you spend £250 per month on shopping, but you shop cheaply to save £50 for something else that's entirely your choice.

Why would an IP insist you must spend that £250 on shopping alone and nothing else? What difference does it make to them?

Sorry to vent a bit, but I really do feel that we all need to apply a little common sense to this.

Let's worry less about them doing things they cannot or would not do.

Let's focus on what they are able to control - their customer service and response. As yet not really proven either way I think.

[ivamess]

I think that it is not just a case of cynicism here Hubert. Many of us have been let down in the past by financial companies and therefore DO approach the situation with some cynicism to start with. We all did our homework really carefully and there were reasons for all of us why we did NOT choose a big, faceless company. We worked hard to do this and we felt that at last someone understood our situation and wanted to help us. Our cases were sold on without us knowing and without us having any choice - to exactly the faceless company that we chose NOT to go with in the first place. Added to that, the somewhat dubious record of CFs CEO, their reluctance to post a reassuring message here, their different advice to different people (and not just in the way that an IVA is different for each individual) kind of lead us to suspect. There are forums on other sites that advise people not to touch CF with a barge pole..... even on this site going back a bit there is a thread about not just taking CF and being more cautious

Why should I give them the benefit of the doubt? I am just a pawn in their money-making game, a number on a list and therefore I feel I, and many others, have a right to be highly suspicious.

And that brings me to another thing I have wondered about of late.

If Mel cared so much about us and did so much research to make sure we went to the right company who would carry on this ethos, why didn't she sell us on to one of the companies [such as Michael or Andy who post on here and are more than helpfu] work for? Instead of some company set up by someone who takes over and flits from company to company, has a bad name in the football world, and, from what I have read by some of those that work for him, doesn't give a rats backside for his employees?

[SUC]

At the end of the day PJG is a business whether we like it or not and Mel does what she thinks is in her best interests! We all will have to live with the transfer and hopefully Creditfix are as open and supportive. Had act to follow though!

[hubert]

I am completely in the same boat IVAMess and absolutely share your concerns.

I too dislike the feeling I was sold-on to Creditfix and worry about them.

What I was talking about in my post is fear of the review and worrying about thing that are impossible, impractical or would violate the T&Cs.

As for how they conduct themselves and respond to clients in general - that remains to be seen.