Get expert opinion. This is the place for new questions to be posted.
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Rock20
- Posts: 84
- Joined: Sun Jan 12, 2014 5:56 pm
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Had a call this evening from Creditfix asking if I had received the T&C's via email 2 weeks ago, and do I have any questions regarding the amendments.
I have politely told them I will not be signing the new T&C's, to which they replied why??
I did feel they were trying to back me into a corner during the telephone conversation, which I quickly brough to an end.
Anyone else had a call chasing?
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hubert
- Posts: 532
- Joined: Tue Jul 02, 2013 9:53 pm
- Location: United Kingdom
No call yet, but I'm expecting it soon.
Thanks for posting this though.
Can I ask, what reason did you give for declining to sign?
In my case I'm waiting on a response from them anyway about something else too so I'll ask about that if they call.
One pay-cheque away from oblivion!
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ivamess
- Posts: 253
- Joined: Wed Feb 05, 2014 2:02 pm
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Have not received anything about t&t either by email or hard copy. Unless of course they were junk-boxed and deleted. I wonder if it is only some people getting them? I'm thinking, I rent so could it be those of you with houses of your own that are being asked?
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greg666
- Posts: 27
- Joined: Tue Aug 16, 2011 11:53 pm
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No the case as we rent now and have been asked to sign the emailed files!
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harrysmummy78
- Posts: 420
- Joined: Fri Dec 07, 2012 11:11 pm
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I haven't had anything yet either re new t&c's we are home owners
Inter-locking IVA approved 25th Feb 2013 - F&F offer Accepted 06th July 2017 - Completion Certificate received 20th July 2017
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PaulyB
- Posts: 70
- Joined: Tue Feb 12, 2008 7:44 pm
- Location: United Kingdom
Haven't had anything either, although We should be completing in March, so hopefully time is on our side.
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Credit-King
- Posts: 55
- Joined: Fri Jan 03, 2014 3:44 pm
- Location: United Kingdom
We need to start a thread "The Credit Fix NO Signers Group" so we can all keep track. I must be due a call soon asking why I have not signed too. I am gutted about the whole thing now
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Credit-King
- Posts: 55
- Joined: Fri Jan 03, 2014 3:44 pm
- Location: United Kingdom
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by ivamess
Have not received anything about t&t either by email or hard copy. Unless of course they were junk-boxed and deleted. I wonder if it is only some people getting them? I'm thinking, I rent so could it be those of you with houses of your own that are being asked?
I rent too and have been asked to sign. But I shant!
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hubert
- Posts: 532
- Joined: Tue Jul 02, 2013 9:53 pm
- Location: United Kingdom
On balance I'd say if the terms benefit you then sign. If they are to your detriment then don't.
I have reasons why I think I'd be worse of for signing. If you don't wish to sign I think it would be good to have your reasons ready.
You can refuse without reason of course but I think it better to state them. We are stuck with CF so I'm trying not to get off on the wrong foot.
One pay-cheque away from oblivion!
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plasticdaft
Forum Expert
- Posts: 9562
- Joined: Wed May 21, 2008 12:45 pm
- Location: United Kingdom
If in doubt....dont sign.
Be sure you understand whats being asked. Dont listen to them when they phone trying to push you into signing.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Rock20
- Posts: 84
- Joined: Sun Jan 12, 2014 5:56 pm
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by hubert
No call yet, but I'm expecting it soon.
Thanks for posting this though.
Can I ask, what reason did you give for declining to sign?
In my case I'm waiting on a response from them anyway about something else too so I'll ask about that if they call.
Hi Hubert,
We finish our IVA in July 2015, and don't feel they offer anything beneficial to us; only CF!
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MerlinL14
- Posts: 1626
- Joined: Sun Oct 30, 2011 2:44 pm
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They can't make you sign and they can't make you give a reason as to why either. Your IVA was all dandy and to your satisfaction under Mel so why change it now.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
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MrsR
- Posts: 1201
- Joined: Mon Oct 31, 2011 9:30 pm
- Location: United Kingdom
We haven't been asked, and was even on the phone to them again today !
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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hubert
- Posts: 532
- Joined: Tue Jul 02, 2013 9:53 pm
- Location: United Kingdom
I don't think there will be undue pressure. Even the person I spoke to said it's up to me whether I sign or not.
Though I do expect them to at least follow up and ask. I emailed them today and got a (human) response about another matter. No mention of new T&Cs.
One pay-cheque away from oblivion!
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ivamess
- Posts: 253
- Joined: Wed Feb 05, 2014 2:02 pm
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Can I just ask (and I think I might know the answer). I am probably going to be due to inherit during the time of my IVA thanks to age of parents and 4.5 years to go. If I sign this form, I take it that the total amount repayable including fees would be higher than if I didn't sign it due to the hike of fees to 23%? This would be another reason for me not to sign.
