CF & Perinta early exit loans

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harrysmummy78

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Post by harrysmummy78 » Tue Apr 11, 2017 8:06 pm
Just wanted to ask if anybody else is being bombarded with calls/texts/emails/letters from Perinta regarding the early exit loans? My Husband & I have been getting several calls a day and I have just received a text from Creditfix asking why I haven't made contact with them to discuss my options? having just been informed I am likely to be made redundant after 10 years in the next couple of months I tried to speak to CF yesterday to discuss what options I might have but I couldn't get passed the normal customer service guys to speak to someone but I did say that I was fed up of being contacted by Perinta and could they please ask them to stop. Am I obliged to speak with Perinta? as the text I received from CF implied I am not cooperating? I have 10 payments left to make.
Inter-locking IVA approved 25th Feb 2013 - F&F offer Accepted 06th July 2017 - Completion Certificate received 20th July 2017

Foggy

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Post by Foggy » Tue Apr 11, 2017 8:18 pm
No you do not have to deal with Perinta -- but you do need to look into the equity position.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

redboxtree

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Post by redboxtree » Wed Apr 12, 2017 10:22 am
CF and Perinta are on dodgy ground - if need be report them to the ICO for unsolicited marketing texts.

The IP has a responsibility to ensure that actions carried out in their name meet the relevant requirements and PECR is one of them.

harrysmummy78

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Post by harrysmummy78 » Thu Apr 13, 2017 12:07 pm
Foggy wrote:
No you do not have to deal with Perinta -- but you do need to look into the equity position.
I have just spoken to them and due to my upcoming possible redundancy I need to know where I stand with that.

I have just had a discussion with them about equity as I will be reaching month 54 in July and looks like I will be having to challenge that as they have estimated my house at 290,700!!! I live in a 2 bedroom mid-terraced cottage with no garden or parking need a new roof/windows/kitchen and is worth no more that 82,0000. I asked who they use and she said Mouseprice this is an absolute joke so as it stands I am looking at an extension to our IVA's :?
Inter-locking IVA approved 25th Feb 2013 - F&F offer Accepted 06th July 2017 - Completion Certificate received 20th July 2017

kallis3

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Post by kallis3 » Thu Apr 13, 2017 12:44 pm
Get your own valuation done! Ignore all of the online valuations as they always overvalue.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
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Foggy

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Post by Foggy » Thu Apr 13, 2017 12:50 pm
Definitely challenge that valuation ! Online valuations are a joke !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

Michael Peoples

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Post by Michael Peoples » Fri Apr 14, 2017 9:33 pm
Get your own valuation and confirm with creditfix that this allowable as a cost of the iva.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
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If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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