I just can’t see how they can claim I have an outstanding balance? They have reported to the credit reference agencies of over a year that the balance is £0, with the status as SATISFIED! Sending me an apology for making me go Insolvent because of inappropriate charges / interest and fees, 1 year af...

recovering wrote:

I had a similar letter today and decided to ignore it bit mine was only £63 i will probably get another one as i had a loan with them too

have you completed aswell?

Sorry correction***

They then state 'as the amount to be refunded is LOWER than the amount we owe'???, the credit has been made into the closed account.

Hello all Its been a while, Hope everyone is well. June 2017 my IVA was completed, as shown on my credit report, all creditors satisfied with £0 outstanding. I have my completion certificate and I thought this was a distant memory. Today I received 2 letters from Lloyds regarding closed accounts (1 ...

:D had the variation meeting today, and the full and final payment was accepted by the creditors. Such a relief, almost there, I was told to expect a closure pack within 2 weeks? What's one of them? Anyhow we are just about through the long dark tunnel that seemed endless at times, but boy are we gl...

Thanks for your help. Yea suppose your right, the change in circumstance is problem really, and yes I should await the IP approval before I do anything. Think I will just not bother, and let this opportunity pass to be honest. Going from past experiance, my IP is always too busy, and I will probably...

Last year I was auto enrolled into a pension by my employer. Only 1% of my net pay and this was shown on my pay slips, during the annual review without any comment from the IP. I was wondering what is deemed an acceptable amount of someone's net wages to be paid into a pension whilst in a IVA. 5% 10...

Thanks guys, for your help. Until now, after doing some research, I never understood the scale of PPI claims. I had always hung up the phone. I guessed a couple of hundred maybe a thousand at the most. I now understand the majority of cases are talking about many thousands... Virtually all PPI claim...

Out of interest has anyone on here claimed miss sold PPI them self?

Seems quite a simple process According to Martin at the money saving expert..

http://www.moneysavingexpert.com/reclai ... 1477598920

Allay are charging a 39% fee. it is written they will not charge if 'offset' redress is made. Even though the service seems rubbish, I suppose your right i should just go with the flow and let them identify if there are any valid claims, maybe I am just worrying about nothing. I still feel as if I a...

Thanks Foggy.. I know I am not the first to complain about Creditfix communication... Nothing worse than bad communication....... I have been forced to use Creditfuxxed, this is not my choice. Mel sold me a dream, and then sold me out to a unresponsive profit hungry turkey... You say ''Written commu...

sorry for such a bad written question. i feel embarased reading it back....... i talk even more sh17 by mouth...

Creditfix have nominated Allay Claims Ltd. to handle PPI claims. Bad customer service and excessive T's&C's make me think I might prefer another PPI claims company. I suppose 2 questions. 1) Do I have to go with Allay Claims Ltd. for PPI Claims? .... Creditfix told me they would call within a 72 hou...

I know I said I would let you know when i got a response from Creditfix... guess what, STILL no response..

I hope i don't have to receive inheritance in the near future but you never know what's going to happen. This has got me thinking, the IP fees and payments are not insignificant. If you quit the IVA you no longer pay these fees your total outstanding settlement figure must be significantly reduced. ...