Well I have received the letter with the suggested new t cs.
Like many others on this forum it is clear that they have not looked at my individual case , if they had they would have seen that
I do not have any ppi claims and if I was misold any they would have been over 14 years ago and I beleive these would be statute barred . I have had the same mortgage for 15 years and no loans credit cards etc for the same time . (My Iva is business debts. )
They state in bold and underlined that my creditors have provisonally agreed , this i know is not true .!
I have emailed Creditfix to ask them to explain clearly in layman terms what benefit these new t and cs will be to me and to confirm what date the creditors provisonally agreed the proposed changes .
And, last but not least, are you telling me that the creditor who voted staunchly against my IVA in the first place is now agreeing to a massive fee hike?
Ps - You'll probably be told they have approval in principle from major creditors for the overall portfolio of cases and not case-by-case or something like that.
Last edited by hubert on Sat Dec 20, 2014 8:06 pm, edited 1 time in total.
got the same letter today, we are not signing new t & c's, dont like what the letter says reading between the lines, like i have said before, they knew what they took on so im sticking with our original t & c's. will contact them after the xmas hols,, trying to understand the minimum dividend not applying clause,, ?? will have to dig out our original IVA contract to check the t & c's in our 6th year now.
I received the letter yesterday and its just more confirmation that we were all sold down the river.Some people on here were defending Mel and her team and saying give the new firm a chance? Well as suspected I am feeling totally let down and the more I read about creditfix and how they are conducting themselves the more annoyed it makes me. I was always happy with the personal touch I always received with PJG and felt that they listened and actually wanted to help and make things run as smoothly as possible?
How can we be optimistic with a firm who is obviously out to increase their profits by stating untruths?
Hi Rickne, worry ye not ..... they are as bound by the current agreement as you are. Nothing can be changed without your agreement and you cannot be compelled to agree.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
