hi have a month till the end of my iva was with mel now with creditfix they are now saying im in breach due to arrears had 2.5 months worth with mel due to job loss but credit fix have lost 2 payments and cant find them have sent them copys of bank statements showing money has left my account what can I do with only a month to go
Continue pushing and if need be make a complaint especially if you can prove that payments have left your account.
They should have picked up on this earlier if they thought arrears were building up.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
You need to prove that the money is in their account, not simply that it's left yours. Your bank should provide documentation to show which account the money went in to. Send them this and if they can't find it, that's their issue.
CF have provided minimal documentation and information since they took on PJG clients.
We have to assume that everything is running correctly because they seem to make it up as they go along.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
Surely you can get a bank statement? I would fax it to them too - and get a fax reciept to prove they recieved it? Its discusting losing your hard earned money when you most likely struggled and went with things to make that payment.
Hi send thnm a formal written complaint via recorded/registered post. Include evidence of the 'missing' payments from your Bank statements. Get the Bank to give you clarification too as Relieved suggests and include this if you can.
Now in a similar situation linked to inaccurate records but if we do what they ask we will overpay!
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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.
Bob Marley. http://kallis3.blogs.iva.co.uk
In line with previous PJG clients our first payment was available for the creditor meeting.
They are trying to say that we have to pay right up to the date of that meeting which would make 61 months.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
lifenoteasy I presume you are challenging this? surely counting from 1-60 inclusive is not that difficult? If you have to pay 12 payments over a year for instance, first payment Jan 12th payment Dec? or have I lost the ability to count?
If he has paperwork to show that the first payment was sent across then I can't see it being a problem.
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.
Bob Marley. http://kallis3.blogs.iva.co.uk
They couldn't even give us a specific date in the month that the last payment should be.
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
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.
Bob Marley. http://kallis3.blogs.iva.co.uk
IVA started March 2011, Completed March 2016 and certificate issued 11 days after final payment. It was not always easy but then some of the best decisions aren't.
