They are a legit company however so big that communication is poor and one team
have no idea what another is doing.
You have to have wits about you with Creditfix!
My pieceof advice is do not sign ANYTHING if you are mot 100% happy with it. Especially an income/expenditure.
What you state as your I&E now will set the standard for your IVA moving forwards. It has got to be right from the start. It has got to be realistic and affordable and reflect your true expenditure and include your honest day to day spending, family standard allowances and existing bills (not credit stuff).
If its not dont sign it. Make sure its righy.
Creditfix sent me a completely random I&E once which was so far off my true spend. I just corrected it with evidence and sent it back. They dont like conflict and cave easily when challenged.
This is your IVA not theres.
This is your life for possibly 5-6 years. Not theres. You have to be certain you can live with the budget so go through it and make it reflect you and your family. The prep work now will be worth it. Hope that helps.
Drex89 wrote:thanks, I have seen that stepchange now do IVA's and i know they are honest and fair, would much rather do it through a charitable organization than one out for proffit from me, i will be cancelling and not signing the proposal as i relly dont like the shady stuff going on here, i want to be honest with it and get the situation sorted propperly, would stepchange be a good route to go down? or have people had bad experiences with them. thanks again
Stepchange actually make the same profit from IVA's as every other firm. They only subsidise DMP and advice work, which is paid for by donations from creditors thmselves.
They do sometimes farm out applications to other firms, but, if they keep you "in House", they run a reasonably painless IVA, depending on circumstances. They were one of the firms I considered when I started --- but I found them to be overly "pushy" at the time --- however this was nearly a decade ago !
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