PJG

[tonytc]

Credit Fix could be a good company but there is little to no information about them and even less about Susan Wriglesworth.

We, as PJG Recovery clients, spent time researching companies and practitioners to ensure that we would be treated fairly, when through no fault of our own, our circumstances changed to the point we had no option but to seek help because we want to pay off our debts. We did not choose PJG Recovery at a whim. We were already experiencing stressful times which pushed us to seek a professional with great credentials. To then be told they are no longer dealing with your case, without any communication, is unacceptable and extremely poor client service.

I signed my paperwork in June 2014 with PJG Recovery and feel I have been completely forgotten about. A decision made and an action taken on my behalf that I knew nothing about and probably, if given all the information, would NOT have agreed to. If I wanted Credit Fix to deal with my case, I would have chosen them over PJG Recovery. I am, afterall, old enough and intelligent enough to make that decision (all by myself!!).

If so many cases are or have become unviable as previously stated in the last couple of years, then why, when arranging my IVA did PJG Recovery complete the case paperwork and just not say that the would not proceed with it.

Apparently nothing will change, but what will happen when we have the annual review?
Will we be able to pay any increased fees charged?
Will the case be managed as fairly as we were expecting when we chose PJG Recovery?
Will they take all our money should we be lucky enough to get a pay rise?

Of course we are worried. We have been forced to be managed by a company we did not choose because no one seems to have heard of them...

[ridingthestorm]

You must remember the positives, you are protected in your current agreement, they cannot change the t&cs without your consent. Even at review time, they will not reduce your allowances as these will have been baselined at the current level as minimums.

[UpToMyNeckInIt]

Precarious situation for those of you being transferred, and I hope it all goes smoothly for all affected.

There is a very good reason you have not heard of Credit Fix: In company terms, they are all of 5-Minutes old.

Based on what is freely available on 'Companies House': 'Creditfix' are a new company formed only at the end of May this Year, but there are a number of other similarly named companies, with the same Directors, which have been set up, and then wound up after a fairly short time.

Check it out for yourselves here:

http://www.companieshouse.gov.uk/toolsT ... Info.shtml

...or download the 'Companies House' App for your smartphone.

So you are right to be wanting to seek some sort of reassurance that your IVA's are being transferred into safe hands, and not to some fly-by-night organisation.

Based on Mel's absence from this forum, I rather suspect that this has been in the planning for many Months, so hopefully that is a good sign, in that this has not been 'rushed'.

But sadly she seems to be throwing in the IVA towel, and selling her portfolio. (PJD Recovery is still active, but the last business accounts are listed on Companies House as 'dormant' whatever that means). A great shame, and I will miss her expertise on this forum - and on that last point, I hope that is a temporary situation.

[ridingthestorm]

You must remember the positives, you are protected in your current agreement, they cannot change the t&cs without your consent. Even at review time, they will not reduce your allowances as these will have been baselined at the current level as minimums.

[Why me]

Cleo76 that's exactly how I feel first sleepless night in 5 yrs last night? I have still not had a formal communication either. Have you had your final review?

[Dougie]

I was going to just sit tight and see what happened but after reading all this I've decided to drop Melanie an email to ask for clarity over my own situation. I paid over a large amount on Oct 13th after a F&F offer was accepted at a variation meeting. Received a letter the next day confirming the variation had gone through but not heard anything since I sent the funds across. I emailed Natalie and Laura but had no response.

I'm sure it's all ok but I really hope PJG will see mine through and close it down now and not pass me off at this late stage.

[Pap]

According to LinkedIn Susan wriglesworth has been an iP at creditfix since 2007 and has been with 2 other companies as ips for about 20 years, having qualified with a law degree in the mid to late 70's

[Comfortably Numb]

Hi Everyone, first time poster but previous occasional reader!

Like many others, I chose to go with Melanie (via Philp Gill) for my IVA which commenced in September 2009.

Everything went smoothly until recently. My property valuation showed me to be in negative equity (so no extension), final paperwork was submitted at end of August as requested and then the great day came when I made my final payment on 1st September this year. What a fantastic feeling and shortly afterwards it was confirmed that I could cancel my standing order.

Having previously heard how others received their Completion Certificates very quickly, I waited with baited breath to receive mine. And waited... Finally, yesterday I 'phoned the office to ask for an update only to be informed that my IVA had been sold to Creditfix!

So, for six weeks, my case has not been progressed at all when, presumably, it could have been concluded quickly. The cynic may ask why...

I emailed Melanie regarding this and received a reply saying that the decision was not taken lightly and that Creditfix have a specialist closures team and that she is sure they will finalise as quickly as possible.

Now for the bit which really concerns me. I signed a declaration for Melanie to the effect that I did not believe that I had been mis-sold PPI. Are Creditfix likely to accept this or will they commence a search which could delay completion until who knows when?

I shall, within the next day or two, contact Creditfix to seek clarification and will inform here of the outcome. In the meantime I can only wish everyone well and trust that developments are favourable.

[lulu123]

I do understand people`s concerns and worries but we have to be realistic about this transfer. For some reason that I dont know about(because is none of my business)Melanie Giles decided to transfer her IVA`s portfolio to Creditfix and she never told me about her plans. Why should she? My life changed in so many ways since I started my IVA: husband lost his job,husband found another job, I got myself a new job, I moved to another part of the country, I moved house. All of that in the last 20 months! I never told Melanie Giles about my plans, why should I? What I have done was inform my IVA company of a change in circumstances when things happened and that is exactly what PJG are doing. To expect that Melanie would come to explain her business decisions on a public forum is unrealistic because that would be very inappropriate. Peoples lives change constantly and we just have to accept it. As far as I am concerned I wish Melanie G all the best.

[Cleo76]

Why me, I paid our 60th payment last month and actually paid the uplift for overtime that we owed last Friday 24th. I was told we'd receive the final review paperwork last week but it never came. I actually emailed Mel today and in fairness to her she has emailed back this evening which I appreciate. However, she confirmed that our IVA was being transferred despite being so close to the end. She then went on to tell me not to worry as she is sure Creditfix will get our case closed as quickly as possible. I wish I shared her confidence.

[Dougie]

Hi 'comfortably numb', guess I will be in the same position as you then as I paid my last payment before the 'sale' to Creditfix so if yours has transferred for closure I presume mine will have been too.

Shame they could not have finished the job and closed those that paid up before the 24th really.

The reason for the transfer will be a commercial decision I'm sure, we are all just pawns in the game I guess so I will just have to sit tight and chase down my closure certificate which hopefully will not be delayed and I can put this whole sorry mess behind me and get on with the rest of my life.

[Cleo76]

Dougie and Comfortably Numb I feel exactly the same. It is such a kick in the teeth to have finally made our final payment and to have been so close to the end. I just hope things become clearer sooner rather than later.

[Pap]

I also wish Melanie all the best but, although I don't need to know all of her business, I shared some incredibly personal information with her that I did not agree to sharing with another company I know nothing about. That, combined with only knowing anything about being 'sold off' via this forum is what I find particularly upsetting. Being in an iva means you already lose a lot of control over your life and privacy (notice there isn't a murderers register the way there is an insolvency register??), and this just feels like a further reduction in being able to make my own decisions. I should only have a maximum of 18 months to go and would have been confident in Pjg treating me fairly and speedily but I can't have the same confidence now moving forward. At the end of the day I just want to get this over with, forget all about it and finally be able to buy a headstone for my child.

[peterh]

@lulu

Because we are a customer who us paying for a service so yes we should gave been told what the plan was. With PJG.

We are installed I to us about being open, honest and to chat about any foreseen problems

Should that not be both was??

[peterh]

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

@lulu

Because we are a customer who is paying for a service so yes we should gave been told what the plan was. With PJG.

We are installed I to us about being open, honest and to chat about any foreseen problems

Should that not be both ways??