PJG

[harrysmummy78]

thanks Lulu, as soon as we got home from our break away on Saturday and I read this I thoroughly checked email/spam phone for messages but nothing, I have emailed CF so hopefully they will get back to me at some point today to confirm if I have been moved to them or not.

[LittleTiger]

Hello All,

Thanks to everyone who has posted so far on this situation and feeling a little comforted by the fact that I am not the only 'unchosen' / 'leftovers' that have been transferred to CreditFix from PJG...

My hubby and I are into 44th month of our IVA and had sent a request in for F&F in September from which we had not had any response, until we emailed last Friday 31 October to chase and got the 'No longer working for PJG Recovery' out of office emails from our contacts Gill Murphy and Natalie Watters! We were instructed to contact Laura Service which we did and cc'd in Melanie Giles on the email...we were very perplexed and concerned. My husband received the standard confirmation of transfer to CreditFix email from Laura Service this morning.

We didn't have a clue until we came onto this forum and WHAM! just could not believe that Melanie Giles and Team at PJG Recovery could treat their clients in this manner...but they have!

Entering into an IVA is a big decision and one which we did not take lightly and did our due diligence before deciding on Melanie Giles and we have developed an intimate financial relationship with that company over the years that we have been with them.

Suffice to say that we are feeling betrayed and saddened that Melanie Giles as our IP has treated not only us but her other clients in this shoddy, off-hand and insensitive manner without even having the courtesy of even an email or transfer pathway to inform us what was happening with our case. Where was the customer service? Where was the transparency? Why was the situation handled like this?

I do understand that business decisions have to be made and alternatives sought and do not have an issue with this...my issue is with how this has been handled by my IP and our reservations about the new company honouring all the terms and conditions that we entered into our IVA with Melanie Giles and PJG.

There is nothing we can do other that wait and see what happens with the new company.

I wish Melanie Giles as our ex-IP and PJG Recovery all the best for the future.

Hello to Chris Parry who is apparently our new IP and Creditfix.

[leaKybrain]

I've only read a few answers so far but I too am a transfer.

We received a letter this afternoon in the post, we are also at month 48ish of our payments and am really scared about this change.

We originally chose PJG because they were highly recommended, my sister having had personal dealings with MG. I do feel very unhappy about this, surely there should have been some consultation. After all we consulted before agreeing to the agreements.

I'm going to read through the rest of this thread with a fine toothcomb as it seems there may be hidden issues in a transfer.

We recently (23rd Sept) contacted them regarding an injury claim and have been fobbed off twice with, Admin in meetings, now I know why. To say I am disappointed is putting it very very mildly.

[greg666]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by LittleTiger

Hello All,

Thanks to everyone who has posted so far on this situation and feeling a little comforted by the fact that I am not the only 'unchosen' / 'leftovers' that have been transferred to CreditFix from PJG...

My hubby and I are into 44th month of our IVA and had sent a request in for F&F in September from which we had not had any response, until we emailed last Friday 31 October to chase and got the 'No longer working for PJG Recovery' out of office emails from our contacts Gill Murphy and Natalie Watters! We were instructed to contact Laura Service which we did and cc'd in Melanie Giles on the email...we were very perplexed and concerned. My husband received the standard confirmation of transfer to CreditFix email from Laura Service this morning.

We didn't have a clue until we came onto this forum and WHAM! just could not believe that Melanie Giles and Team at PJG Recovery could treat their clients in this manner...but they have!

Entering into an IVA is a big decision and one which we did not take lightly and did our due diligence before deciding on Melanie Giles and we have developed an intimate financial relationship with that company over the years that we have been with them.

Suffice to say that we are feeling betrayed and saddened that Melanie Giles as our IP has treated not only us but her other clients in this shoddy, off-hand and insensitive manner without even having the courtesy of even an email or transfer pathway to inform us what was happening with our case. Where was the customer service? Where was the transparency? Why was the situation handled like this?

I do understand that business decisions have to be made and alternatives sought and do not have an issue with this...my issue is with how this has been handled by my IP and our reservations about the new company honouring all the terms and conditions that we entered into our IVA with Melanie Giles and PJG.

There is nothing we can do other that wait and see what happens with the new company.

I wish Melanie Giles as our ex-IP and PJG Recovery all the best for the future.

Hello to Chris Parry who is apparently our new IP and Creditfix.

Hi little tiger ....
We also just sent all our paper work off ready for a variation meeting for a F &F with PJG..... We just got our letter today stating the changes.... I think this will hold our offer up even more now esp as they will want to do PPI investigations
out of interest did you agree to a PPI review?
Thanks

[leaKybrain]

Greg
I have been emailing a contact about a settlement recently (mid sept) and she said that if we wanted to do a F&F we would have to have a PPI investigation.
This was her answer:

With regards to PPI, in some cases PPI was applied to loans without the knowledge or consent of a client as well as not being sold correctly. We have an associate company called Clifford Watts who can investigate your entitlement to PPI if you do not wish to do it yourself. I know that you do not believe you are entitled to claim but we are asking all clients who propose a Full & Final settlement to agree to an investigation as a gesture to show creditors that they are fully committed to the terms of the IVA

[stepbystep]

I have just called PJG to discuss the transfer of account and advised Melanie on holiday and Sue out of the office. I have also called credit fix and wasn't very reassured by their answers to my questions.
Melanie has not just kept self employed accounts either as I am self employed and have been transferred ....... Not a happy bunny.
Can any of the Advisors tell me if it's possible to change IP to one of my choice, I only have 15 month to go but would prefer to go to one of my choice!!!!
I also asked about the review criteria and it is not as Mel used to do it they want everything and more!!!! Grrrrrrrr

[recovering]

No you can't change companys

[harrysmummy78]

Surely when it comes to review time they wont be able to take away any allowance that has already been agreed in previous reviews? I wish they would get a representative on this forum as quick as possible to put a few minds at rest 3 days hardly any sleep not good

[leaKybrain]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by recovering

I have a tendancy to be over dramatic!!!!

No way are you being dramatic. We are all feeling very scared and worried. No amount of someone saying, 'lets see how it goes', and 'don't worry' is going to magically make us feel better and safer.

I for one am already feeling sick in much the same way I did for the three months it took to set up the IVA. My worry is that we won't have a 'human' that understands what I am saying and instead will be reading from a rule sheet to tell me that what I am saying is not going to be...that we will conform or else.

Yes it is a case of wait and see, lets face it there is absolutely nothing else we can do whatsoever, and I will wait and see, I am not chasing my review or questions. They can come to me.

I have always panicked about getting my review done quickly, making sure we stick to the rules, we have always been totally up front in every single aspect of our lives, with EVERYTHING. I have got enough to worry about right now without having to chase after this IVA or what next...I will just have to have a meltdown every time I think about it, and then try to find somethign else to take my mind off it....perhaps and upcoming operation will help.

And before anyone says its the protocol, nothing could be said before hand, it all has to follow a set guideline....we know that. We aren't daft, but we are humans with worries and cares and illnesses and life issues. So nothing anyone says will make a difference. All we can do is have a rant/type to try and get some of the worries out of our systems.

[recovering]

Some posters seem to have had contact and positive responses, I have emailed the same info twice and paid over an uplift with no response at all I just can't keep thinking about all the negative connotations or I will go loopy. I guess all we can do is wait and STICK TOGETHER

[greg666]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by leaKybrain

Greg
I have been emailing a contact about a settlement recently (mid sept) and she said that if we wanted to do a F&F we would have to have a PPI investigation.
This was her answer:

With regards to PPI, in some cases PPI was applied to loans without the knowledge or consent of a client as well as not being sold correctly. We have an associate company called Clifford Watts who can investigate your entitlement to PPI if you do not wish to do it yourself. I know that you do not believe you are entitled to claim but we are asking all clients who propose a Full & Final settlement to agree to an investigation as a gesture to show creditors that they are fully committed to the terms of the IVA

Thanks leaKybrain
Yeah we thought that would be the case!
If you did do it yourself how do they know you contacted
all your creditors?? Guess we will have to get a copy of our credit file? To check our history and back them up with letters from all our creditors with their findings?
I know we were never midsold or had any as our main creditor was NRAM our mortgage what total waste of time
We just want it over!

[Cariadqueen]

We are coming up to our review time and im very curious to find out what we are going to be required to send them......With PJG it was so easy but by what has been said i have a knot in my tummy which tells me this company is not going to be the same.

[greg666]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by stepbystep

I have just called PJG to discuss the transfer of account and advised Melanie on holiday and Sue out of the office. I have also called credit fix and wasn't very reassured by their answers to my questions.
Melanie has not just kept self employed accounts either as I am self employed and have been transferred ....... Not a happy bunny.
Can any of the Advisors tell me if it's possible to change IP to one of my choice, I only have 15 month to go but would prefer to go to one of my choice!!!!
I also asked about the review criteria and it is not as Mel used to do it they want everything and more!!!! Grrrrrrrr

Hi step by step

What did they say they require? Extra....
Thanks in advance

[Coffee Break]

I received the letter just this morning

To reiterate what others have posted I for one am very worried, it's a worrying change, as like most of you I went with Melanie Giles on her good reputation. To go in 'blind' with another company and not know the facts beforehand this is not something I would have expected - I know these things do happen - but not to get some sort of warning prior, seems very strange. I've had a couple of letters in regards to my annual review and e-mail responses in the past couple of weeks, but nothing was said during that period, so this has completely thrown me.


It is very much that helpless, out of control feeling. What happens next, remains to be seen...

[sprowstonboy]

I'm one of the transferred cases and I'm in month 56 of my IVA so you can all guess what stage I'm at!!! So I have the letter from the independent mortgage adviser recommended by PJG that says no chance of remortgage or secured loan. I'm left wondering...do I contact CF or do I just let matters lie and see what happens?