Have been told that Creditfix have no record of us as clients although they are taking payments.

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Ivan.w

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Post by Ivan.w » Mon Mar 02, 2015 11:03 pm
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I am 5 months into an IVA with my wife and have been told recently that the company, Credit Fix, we are using have no record of us as being a client although they are taking payments. Our creditors are now chasing their payments stating that no payments have been made. Please advise.
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MrsR

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Post by MrsR » Mon Mar 02, 2015 11:15 pm
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Did you go direct to Creditfix or were you with another company ?
Have you kept all your paperwork ie, proposal, accepted chairmanship report etc?

I would look for this ASAP and confirm a name of a contact you dealt with.
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!

Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA :)

Completion Certificate received- 30th April 2015!!
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luluj

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Post by luluj » Tue Mar 03, 2015 5:33 am
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Seems very strange ... would be demonstrating via the paperwork held like your chairmans report etc and also be asking them to confirm the direct debit details etc.
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No_Money

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Post by No_Money » Tue Mar 03, 2015 7:20 am
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What does the insolvency register say?
Officially debt free as of 10th Feb 2015
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Foggy

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Post by Foggy » Tue Mar 03, 2015 7:50 am
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As above: What paperwork do you have ? If they want to see, send copies, not originals!

Are you paying by Standing Order or Direct Debit -- if DD then they are actually calling for the money, so must have set this up.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Adam Davies

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Post by Adam Davies » Tue Mar 03, 2015 12:06 pm
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Hi

Strange but it's not unusual for creditors to still chase for payments early into an IVA because the info about the IVA has not filtered down to the departments concerned.

Go online and check the Insolvency Register, this will quickly tell you if you are in an IVA or not

Regards
Andam Davies
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