Get expert opinion. This is the place for new questions to be posted.
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recovering
- Posts: 1623
- Joined: Mon Sep 26, 2011 8:27 pm
- Location: United Kingdom
I guess if we want clarification we will have to ask? Which means saying we have heard through the forum
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Lou74
- Posts: 274
- Joined: Tue Jul 13, 2010 6:39 pm
- Location: United Kingdom
Still no letter or anything else for me either.... The whole thing is very confusing indeed.
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lifenoteasy
- Posts: 3248
- Joined: Thu Feb 05, 2015 2:26 pm
- Location: United Kingdom
Still nothing:(
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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Sinking Fast
- Posts: 541
- Joined: Mon Dec 28, 2009 8:40 pm
- Location:
Letter received today from CF apologising stating the report was issued in error, and out terms and conditions have not been changed!
What utter incompetence - steer clear anyone considering an IVA!
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grimswold
- Posts: 236
- Joined: Mon Jan 26, 2015 10:03 am
- Location:
Nothing for me yet either lifenoteasy. Maybe we are in the "next" batch lol. I haven't really got a clue whether mine was included or not as I have, as you know been told both that it has and that it hasn't. My dog could do a more efficient job. Sheesh.
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harrysmummy78
- Posts: 420
- Joined: Fri Dec 07, 2012 11:11 pm
- Location:
I have received a letter apologising told me to ignore the Creditor report that was sent to me and my original t&c's stand. What on earth is going on with them? another very stressful week it has been at their hands again!
Inter-locking IVA approved 25th Feb 2013 - F&F offer Accepted 06th July 2017 - Completion Certificate received 20th July 2017
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ontheroad
- Posts: 223
- Joined: Tue Oct 06, 2009 4:10 pm
- Location:
Try getting a CC out of them, ive been waiting 7 months since completing my payments, still nothing and very little corespondence from them regarding it, amazing though i did get the chairmans report re T&Cs some six months after completing my payments, work that one out !!!
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lifenoteasy
- Posts: 3248
- Joined: Thu Feb 05, 2015 2:26 pm
- Location: United Kingdom
Left hand/right hand not knowing what other is doing plus some sections better than others.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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abbiesmum2003
- Posts: 955
- Joined: Sun Dec 02, 2012 8:50 pm
- Location:
I dont think they realise how clued up and knowledgable we all are about ivas and the do's, dont's, can's & cant's!! Thanks to Mel, her team and the experts on here for instilling such knowledge and information. I would be lost if it wasnt for Mels excellent advice, time, communication and this forum. It was a stressful week but thankful theyve retracted. Roll on their next trick!!!
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recovering
- Posts: 1623
- Joined: Mon Sep 26, 2011 8:27 pm
- Location: United Kingdom
ontheroad have you tried Greg? he seems great at poking the correct people? no letter for me about variation either
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ridingthestorm
- Posts: 211
- Joined: Tue Oct 21, 2014 5:30 am
- Location: United Kingdom
I will eagerly wait for Mr postman tomorrow ! Just shows we have a little power on our side

Loved Money, Hate Credit, Road to Recovery.... IVA started 3/3/14 -- IVA F&F accepted 18/5/17

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thisusernameistaken
- Posts: 265
- Joined: Thu Oct 30, 2014 6:46 pm
- Location:
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by abbiesmum2003
Roll on their next trick!!!
It's unacceptable that this is how many of us feel about our IVA company. We should NOT be having to expect lies, misinformation and trickery.
What a terrible, terrible company to deal with and how are they getting away with it?
I dread to think how many people in IVAs get screwed over by unscrupulous practices because they can't trust their IP to give them the truth.
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grimswold
- Posts: 236
- Joined: Mon Jan 26, 2015 10:03 am
- Location:
I find it incredible that companies are allowed to get away with this sort of thing. It seems to me that as the more honest, helpful, small companies go to the wall the greed will be rampant. I certainly feel that regulation should and must be tightened - at the moment it feels as if there is no such thing as regulation and even if there is, nobody is particularly keen to tighten it up and make large companies play fair.
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Sinking Fast
- Posts: 541
- Joined: Mon Dec 28, 2009 8:40 pm
- Location:
Companies like Creditfix are making IVA''s not fit for purpose.
At least you know the official receiver will pay with a straight bat!!
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sprowstonboy
- Posts: 209
- Joined: Wed Jul 29, 2009 1:38 pm
- Location:
Two weeks since I emailed and not a whisper back....I'm starting to become very very annoyed.
Might give them a friendly call next week.