Creditfix - annual review?

Get expert opinion. This is the place for new questions to be posted.
11 posts Page 1 of 1
User avatar
Leigh.p
Posts: 16
by Leigh.p » Sat Feb 03, 2018 4:38 am
Hi,

I have recently been transferred to credit fix from Knightsbridge. I have continued to receive emails asking me to sign the new terms which I have ignored. I have emailed back to advise that I will not be signing and also asked them for a contact of who to speak to about my Iva but have had no response, only more automated emails asking me to sign.
My first year on my Iva passed last week but I have had no correspondence about an annual review. Do I wait for them to contact me or should I be ringing them to chase this? I don’t want to get into any trouble with them before we’ve even started, but similarly I’m annoyed that they haven’t responded to either of my emails.

Grateful for responses
User avatar
kallis3
Forum Expert
Posts: 73570
Contact
by kallis3 » Sat Feb 03, 2018 9:08 am
Give them a call and say you are worried about not receiving anything about your review. As to the emails, continue to ignore them and I would send a letter via recorded delivery saying that you will not be signing any new terms and conditions and will they stop sending them.
User avatar
Foggy
Forum Expert
Posts: 27056
Contact
by Foggy » Sat Feb 03, 2018 9:15 am
Creditfix do seem to have an almightly problem with communication and you have to keep on at them. The review should be conducted within two months of the anniversary date, but this seems to go by the wayside when firms take on other caseloads ! Again, keep on at them.
User avatar
Leigh.p
Posts: 16
by Leigh.p » Sat Feb 03, 2018 10:29 am
Thank you. Can they penalise me if I don’t chase it up?
User avatar
Foggy
Forum Expert
Posts: 27056
Contact
by Foggy » Sat Feb 03, 2018 10:41 am
Leigh.p wrote:
Thank you. Can they penalise me if I don’t chase it up?


The onus is on them to review ... but it is your IVA and your responsibility to make sure it goes to plan. Apart from which, you wouldn't want them playing catch up at the end and then deciding you have been paying too little for the past few years .... it has happened !!
User avatar
recovering
Posts: 1580
by recovering » Sat Feb 03, 2018 7:54 pm
After I was transferred to CF my first review was late... i had to chase them and was told they were a bit behind. I actually received my annual report before my review??? However the annual reviews following were on time and smooth!
Good luck
User avatar
Leigh.p
Posts: 16
by Leigh.p » Sat Feb 03, 2018 10:27 pm
Thank you, that’s helpful! Can you tell me what the annual review with creditfix involves?
User avatar
recovering
Posts: 1580
by recovering » Sun Feb 04, 2018 9:16 am
I send a copy of payslips every month because my wages fluctuate and i need to make uplift payments but I think it’s 6 months bank statements and your payslips and then an I& E
The form was totally different to what I was used to but if there was no box for something i used to just write it on
The statements were usually returned within a week.
I did used to have to chase the result but never had an increase
User avatar
recovering
Posts: 1580
by recovering » Sun Feb 04, 2018 9:18 am
And I never used the online way
Always emailed payslips and posted statements
They never insisted i let them have access to my bank account
User avatar
Foggy
Forum Expert
Posts: 27056
Contact
by Foggy » Sun Feb 04, 2018 10:06 am
recovering wrote:
And I never used the online way
Always emailed payslips and posted statements
They never insisted i let them have access to my bank account


They cannot insist on bank account access.
User avatar
Leigh.p
Posts: 16
by Leigh.p » Mon Feb 05, 2018 7:13 am
Thanks, I’ll definiteky be doing the same and sending statements. Not comfortable at all with them accessing my account! Fingers crossed it all goes smoothly then :?
11 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”

Who is online

Users browsing this forum: No registered users and 33 guests