IVA Calculator - Do I qualify?

Need to point out that Creditfix has suspended all full and final offers until they can sort out "paperwork" issues - this is probably not the best time to do anything that involves them.

Have you even seen the new documentation that is being used and the wording?

The likelihood the issue is to do with their proposed charges.

Try Swallow - all app. based (including how you apply) and I was accepted by them recently.

There was one case where someone came back about the result of going to the regulator and I believe that it was against Aperture.

Historically, their IP's get fined quite often due to delays in the process.

You cannot do anything about being sold on (just shows people in an IVA can be a commodity though) BUT: - if the old company is still trading write in and ask for a copy of any data they hold about you - do the same for the new company - ask them to confirm how they process your data under article 6...

Remind them that under GDPR they need to establish that they are the data controller and that their customers need to be told this.

Likely to be quite hard - remember that the loan was provided out of other members direct savings and contributions.

Clear Debt previously lost a court case where their interpretation of what an IVA is was challenged.

I have no interest in going over the past in the sane way as MerlinL14 - it would appear that the IVA companies have an interest in doing that instead.

A recent article on Debt Camel suggests that there are indications that concerns exist around IVA being missold. Ultimately the devil will be in the detail but if there are case IVA companies only have themselves to blame - if they were really honest when people were signing up it would put them off...

Under the Insolvency Act all records should be destroyed 6 years after completion certificate provided.

They will need to demonstrate why they now have the legal ability to do this.

I'm sorry but this was a known issue as I was coming out of my IVA a couple of years ago - and if I knew about it your IP should have as well. HMRC started introducing this as an artificial way of enforcing a mid agreement review that effectively shortened the life of some IVA's. With previous cases...

Ask them specifically (or via your solicitor) who their Data Protection Officer is and state that you want this resolved otherwise you will make a formal complaint to the Information Commissioner. Point out that from 25/05/18 the law will be strengthened to deal with inaccurate data and if they drag...

Hope I am wrong (personal opinion only) but the wording seems very similar to other posts across the net promoting them.

Looking a bit more deeply they are case finders and if I am right about who owns them they seem to be struggling.

£8k seems very little to go into an IVA and if you felt rushed into going this that is not a good sign. If you can take some space and as the others have said way up all your options. We were with Creditfix and whilst it worked out in the end (we were transferred to them) would we have chosen them -...