Credit Fix 1st Review

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SUC

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Post by SUC » Fri May 15, 2015 3:58 pm
First year has gone very quickly, not necessarily easy, but a little uneasy due to the negative reviews of Credit fix last year. Anyone recently had a review recently and what should I do to get prepared for it.
 
 

recovering

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Post by recovering » Fri May 15, 2015 4:18 pm
6 months bank statements and pay slips
Mine was due mid Feb
sent annual report before the review of I&E
I sent I&E about 2/3 weeks ago
they returned statements but n ther contact about payments changing etc!
a few have had reviews, seem to be no changes carry on mostly
 
 

Shining

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Post by Shining » Mon May 18, 2015 4:27 pm
Hope your review goes smoothly for you. By all accounts going by previous posts they appear to.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Foggy

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Post by Foggy » Mon May 18, 2015 6:12 pm
Credit Fix seem to take a unique approach to reviews, but are getting through them without causing too much fuss thus far.
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
 
 

UnionCityGirl

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Post by UnionCityGirl » Wed May 27, 2015 6:23 pm
I've just had a letter today saying I haven't sent any forms back to them - I've not received any! I think my annual review was due in Feb
 
 

lifenoteasy

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Post by lifenoteasy » Wed May 27, 2015 6:35 pm
Did you receive a protocol compliant annual report in the last couple of 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.
 
 

UnionCityGirl

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Post by UnionCityGirl » Wed May 27, 2015 8:02 pm
Yes I did. I emailed them and they called me back. Told them I wasn't happy about supplying bank statements.
 
 

tobyb

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Post by tobyb » Thu Feb 04, 2016 12:00 pm
HI UCG did you send bank statements with annual review, I find this too intrusive did 4 annual reviews with PJG and they did'nt require them.
 
 

harrysmummy78

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Post by harrysmummy78 » Thu Feb 04, 2016 1:47 pm
Yes Creditfix require 6 months bank statements I am just about to have mine just sent all my documents off to them.I wasn't happy about sending them last year after we had been moved from PJG but I think all they are checking for are amounts going in other than your income and probably just to verify direct debit amounts for bills you have on your I&E, I am sure they wouldn't have time to go through them and question any normal spending ect
Inter-locking IVA approved 25th Feb 2013 - F&F offer Accepted 06th July 2017 - Completion Certificate received 20th July 2017
 
 

Lisa Thomas

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Post by Lisa Thomas » Thu Feb 04, 2016 3:02 pm
If your IP wants to see bank statements this is a normal request.

It's something I do.

It will be in the terms that you have to provide it as reasonable support for your I&E, if required by your IP.

Not all IPs will require these however.
I'm a licensed IP with 16+ yrs at Neville & Co covering the South West area. I have a YouTube channel with advisory videos on here: https://www.youtube.com/channel/UCMPTTu ... Z5k9ZcC2MA http://www.nevilleco.co.uk 01752 786800 Lisa@nevilleco.co.uk
 
 

footiemad

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Post by footiemad » Thu Feb 04, 2016 4:59 pm
I've always had to send in 3 months statements of all accounts in my name. Never really bothered me though.
 
 

lifenoteasy

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Post by lifenoteasy » Thu Feb 04, 2016 5:12 pm
Whoever wrote the protocols should be shot.

The wording around bank statements is ambiguous and out of context.

The clause could be taken to read 3 months or as many as required by the IP.

Use is linked to checking income and certain defined items of expenditure but even then statements are not needed if it can be proven a different way.
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.
 
 

kallis3

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Post by kallis3 » Thu Feb 04, 2016 6:42 pm
I never had to send any bank statements at all.
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
 
 

recovering

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Post by recovering » Thu Feb 04, 2016 7:02 pm
abbiesmum when is your review due?Did they contact you?
 
 

lifenoteasy

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Post by lifenoteasy » Thu Feb 04, 2016 7:07 pm
We are having to push linked to final review.
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.
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