So, I receive an email last week stating that they have added an additional creditor for the value of 4067.19 from Max Recovery Ltd.
I don't have any other creditors. So I looked through any paperwork I had from creditors and I had notification from Natwest that my debt which is already calculated within the IVA had been 'sold' to Max Recovery Ltd'.
This is the notification that Credit Fix have also had, yet they have added it as an extra. I called... I believe Mauritius is the base for their supervisors... and was told that yes, it was an additional debt. I explained the situation and that it was in fact the Natwest debt but a change of ownership. The woman I spoke to went away to check and confirmed that she agreed and would remove it as an additional debt and get back in touch with Natwest as the debt had increased from the figure they had given at the original creditors meeting.
Since then I have heard nothing and have had nothing in writing from Creditfix (no surprise there!) Should I chase them again and get them to confirm in writing that they have indeed removed this an additional debt? I cannot help but have no faith in this IVA company.
Secondly, can Natwest sell on a debt and the new company add a charge onto that debt when the figure has already been agreed?
Yes -- chase them CF need to be chased all the time -- their customer service is atrocious !
Max cannot add to the debt they have bought from NatWest, but it is not uncommon for debts to slightly increase from the initial claim, which is not set in concrete at the start. The claim they work on initially is the figure, or thereabouts, we supply, which is usually from the latest statement we had to hand. Between the date of that statement and the creditors meeting the creditors can add interest and late payment charges, which can often be a couple of months.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014 http://foggy.blogs.iva.co.uk