Search found 130 matches

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Search found 130 matches Page 1 of 9
by redboxtree
Tue Jul 17, 2018 6:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Do I have to give Creditfix access to my bank account
Replies: 8
Views: 417
Number provided has been linked to a cold call debt management company plus also someone stating that from HMRC. (information in public domain) At least one of the directors of Castlight Ltd are linked to Creditfix. (information in public domain) Potentially good product that may find that reputatio...
by redboxtree
Fri Jul 13, 2018 3:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: How can Creditfix justify the additional £11,000 just because we want to settle
Replies: 16
Views: 1792
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.
by redboxtree
Thu Jul 12, 2018 9:18 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit fix? How long until they sort paperwork out?
Replies: 8
Views: 2127
Have you even seen the new documentation that is being used and the wording?
by redboxtree
Sat Jun 23, 2018 10:46 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F meeting (Credit Fix) adjourned 4 times
Replies: 16
Views: 5868
The likelihood the issue is to do with their proposed charges.
by redboxtree
Sat Jun 23, 2018 10:45 am
Forum: Ask IVA Forum and Industry experts
Topic: Could my IVA still be visible somewhere?
Replies: 6
Views: 5693
Try Swallow - all app. based (including how you apply) and I was accepted by them recently.
by redboxtree
Tue Jun 19, 2018 11:07 am
Forum: Ask IVA Forum and Industry experts
Topic: Aperture never ending nightmare!
Replies: 7
Views: 6043
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.
by redboxtree
Sun Jun 17, 2018 8:25 am
Forum: Ask IVA Forum and Industry experts
Topic: My Iva has been sold on three times
Replies: 2
Views: 5458
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...
by redboxtree
Mon May 21, 2018 12:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Aperture & Debt Free Direct
Replies: 5
Views: 5306
Remind them that under GDPR they need to establish that they are the data controller and that their customers need to be told this.
by redboxtree
Thu May 17, 2018 5:53 am
Forum: Ask IVA Forum and Industry experts
Topic: Credit Union loan
Replies: 4
Views: 5688
Likely to be quite hard - remember that the loan was provided out of other members direct savings and contributions.
by redboxtree
Wed May 16, 2018 5:23 am
Forum: Ask IVA Forum and Industry experts
Topic: Could there ever be a IVA's missold scandal?
Replies: 8
Views: 5641
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.
by redboxtree
Tue May 15, 2018 4:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Could there ever be a IVA's missold scandal?
Replies: 8
Views: 5641
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...
by redboxtree
Tue May 08, 2018 12:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completed IVA with Clear Debt
Replies: 6
Views: 4566
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.
by redboxtree
Tue Apr 17, 2018 8:18 pm
Forum: equity release
Topic: Equity Clause from HMRC
Replies: 11
Views: 14452
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...
by redboxtree
Mon Apr 16, 2018 6:37 am
Forum: Ask IVA Forum and Industry experts
Topic: I never had an IVA still my name is in insolvency register, please advice.
Replies: 6
Views: 4768
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...
by redboxtree
Mon Apr 16, 2018 6:33 am
Forum: Ask IVA Forum and Industry experts
Topic: IVA is the best thing i ever did
Replies: 6
Views: 5006
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.
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Search found 130 matches Page 1 of 9