So Close I can Taste It

[Waitingforship]

So I have hopefully made my final payment to my IVA which started with Simple Debt Solutions and was subsequently taken over ny Creditfix. I tried to finish it early and went for a CF sister loan which forwhich now I am grateful was rejected. So I’ve done 6 years which includes one year in lieu of equity on our house. I should be elated but all I feel is flat. I phoned up CF and spent a half leave day trying to get through. Only to be given a completely generic “What happens now is ......... blah blah blah”. No Answer as to whether I should cancel my DD or continue as normal. So I sent an email the gist which was “I have today made payment number 72 to my IVA. My was for the term of 60 months with an additional 12 months added in lieu of equity.

Please can you advise me what the next steps are to complete my IVA? Do I cancel my Direct Debit? Will you be performing any further reviews. Is there any paperwork for me to complete with yourselves?

I would like to thank you in advance for your response and for assisting me through what has been an extremely tough six years. I hope now I can look forward to a debt free future using all the budgeting skills acquired during the course of my IVA.

Kind Regards,”

Need I do anything else?

[MerlinL14]

I would cancel the DD, but not spend the money. Having poor or no communication with your company has got to be passed frustrating! I hope that you get the answers you need, but I would give them a week and then write a formal letter of complaint, send it recorded snail mail. Good luck.

[abbiesmum2003]

We WERE (thats so goid to say!!) with Creditfix.
Communication is not their strong point and customer is always a last point of contact!!!
We made 60th payment in june and like you told them I had done so and cancelled DD.
We were going through the equity release stuff and had been approved so felt confident to cancel DD until CF sorted their internal issues out.
Our F&F loan was approved by Creditors and 3 weeks ago our iva was completed.
I never heard a word from CF to confirm they had received the funds and no reply to my emails....then last Friday our CC arrived...just like that! I think in the background they are fairly efficient (lose use of the word-haha) but they just dont have a focus on communicating with customer and keeping us in the loop.
I would guess they are closing your iva and one day soon your CC will just drop on doorstep! Email them to say you have paid all contracted payments, cancelled DD and expecting closure of your IVA. Doubt they will reply but at least youll have made contact.

[kallis3]

I agree with Merlin - put the money to one side just in case,

[Ryan]

Best of luck in getting things completed asap.


Regards

[Foggy]

Agree with all that has, thus far, been said. CF are at the forefront of abysmal customer service, seemingly treating us as, at best, an irritant. However, they are not alone and many firms forget, at the point of completion, that there is a human being with their life on hold, waiting for what, to them, is practically the Holy Grail !

[Nikl]

I find with Credit Fix, if you email the closures department directly, you get a response. I have an email for a member of their team and contact them. I get a response, although it’s still like getting blood from a stone in terms of answers to things.

[luluj]

Great to hear finsl payment has been made. Well done and enjoy debt freedom. Fingers crossed the closure process will be smooth and certificate issued soon.

[Lisa Thomas]

Send your query in writing. Tell them you have cancelled DD in anticipation of closure.

It might also be worth filling in this form:

https://www.creditfix.co.uk/customer-ar ... /closures/

[Waitingforship]

Thanks All for your kind words and as usual your advice. I’ll email again and write. I’ll update when they get in touch.

[kallis3]

Fingers crossed!!