Creditfix nightmare

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Francesca
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by Francesca » Mon Dec 24, 2018 7:42 am
Hi everyone. Merry Xmas. I think creditfix noticed my iva is going to smooth so they decided to bring on some nerves. This morning got an email:

Hello,



Kindly note we have received an additional claim from Hoist for £1,988.56 debt was previously with Barclaycard.



To add the debt in your creditor list we will have to convene a creditor meeting.



To compensate this change your case might need an extension of less than 12 months at your usual contribution, please advise if you are fine with it so that I may proceed.

....... Above debt with Barclaycard was included in my agreement and previously it was about 1250£. I am really not happy. My partner will go mad if I tell him they want to extend our iva. Maybe anyone could help, please? Thank you
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kallis3
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by kallis3 » Mon Dec 24, 2018 9:24 am
If it was included they should not be making an extra claim. You need to speak to CF asap although that will probably be after Christmas now.
Francesca
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by Francesca » Mon Dec 24, 2018 9:27 am
Thank you Kallis. Email I showed you is from one of the CF advisors, sent 6am this morning!!! I have emailed her straight back, mentioned my agreement and that it was included. Waiting for response.
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Foggy
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by Foggy » Mon Dec 24, 2018 10:33 am
The way I rad this is that Barclaycard had a claim of £1250. This debt was transferred to Hoist who are now saying the debt was £1988-odd ---- Is this right, or am I looking at the donkey from the wrong end ?

If I am right the "extra debt" is, in fact £738 -- which I doubt needs a creditors meeting to get rolled in.
Francesca
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by Francesca » Mon Dec 24, 2018 10:40 am
Thats the way I see it Foggy, but how can my debt grown after joining IVA??
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Foggy
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by Foggy » Mon Dec 24, 2018 11:25 am
Francesca wrote:
Thats the way I see it Foggy, but how can my debt grown after joining IVA??


Debts do often "grow" slightly: We give the figures, usually, from the last statement we have to hand when we start the IVA process and, by the time the IVA has been accepted there is often up to 3 months interest and possible late payment charges to add. However, they are often within the allowed tolerance (usually 10% of the originally declared debt).

I have seen before instances where a debt has been sold on and the IP has added this as a new debt in error, alongside the old debt, when they are, in reality, one and the same --- make sure they are not doing this here.
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kallis3
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by kallis3 » Mon Dec 24, 2018 11:34 am
Have you had a reply yet?
Francesca
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by Francesca » Mon Dec 24, 2018 11:49 am
No, nothing yet Kallis. Might as you said, be sorted after xmas. Really upsetting as its the last thing I would expect to find out on xmas eve morning. Thank You both, Foggy and Kallis, at least I know I can fight and not let them add it all.
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kallis3
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by kallis3 » Mon Dec 24, 2018 12:02 pm
Fingers crossed! Have a good Christmas and put this to the back of your mind (if possible!)
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