Should I sign iva?

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kallis3

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Post by kallis3 » Sun Mar 01, 2020 4:46 pm
That's bad of Creditfix and they should not keep harassing you like this. Please speak to one of the smaller companies as suggested. They won't keep harassing you.m Tell CF to do one as you are going elsewhere.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

natalie446

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Post by natalie446 » Sun Mar 01, 2020 11:54 pm
Yes they have made me feel even worse than I did :( going to have a talk with ca tomorrow morning see what they say and advice as I know this isnt right what step change and creditfix have done. Havent helped me one bit. I will let you know what's been said and 🤞 it's better news as I want this sorted now. Thanks for replys it's been so helpful

SteveUK

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Post by SteveUK » Mon Mar 02, 2020 9:27 am
I have to say that with all I've read on here Creditfix would be the last company I would choose if we were looking now.

kallis3

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Post by kallis3 » Mon Mar 02, 2020 12:33 pm
Any news natalie?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

natalie446

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Post by natalie446 » Tue Mar 03, 2020 5:34 am
Yes been to see citizens advice old then everything what had happened from step change her jaw just dropped to the floor she couldn't believe it. She went through everything and as stood me to come back friday so I can do a full expediture with them but she thinks I might not have to fo on a iva? Which I was shocked about as step change was ramming that down my throat ? So maybe a debt relief order now. But I will know more end off week. Telling my story I started to cry as she didnt make me feel pressured or anything just there to listen. Not like before when it was like they was selling something I may not need. Will keep you posted either way I have to go. Thank you for all our advice.

kallis3

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Post by kallis3 » Tue Mar 03, 2020 8:52 am
I'm glad they were able to help you - hopefully a DRO will be ok as long as you fit the criteria. Have you told Stepchange or CF that you won't be signing anything with them?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

natalie446

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Post by natalie446 » Tue Mar 03, 2020 9:09 am
Yes I've told step change and hes still whatsapp me and said it's up to me what I want to do and then a few hours later saying this and that wouldnt be suitable etc? I've emailed creditfix and said I'm going another direction and have asked for my money back that they took but nothing back ad yet.

kallis3

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Post by kallis3 » Tue Mar 03, 2020 9:13 am
I would threaten them with a complaint about harassment - it may get them off your back.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

natalie446

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Post by natalie446 » Tue Mar 03, 2020 2:13 pm
Another 6 texts and emails today from credit fix so I rang them and then have cancelled my account and they am refunding me the £100 they had taken. They said it was a good will so creditors can see I'd make the payment.

kallis3

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Post by kallis3 » Tue Mar 03, 2020 5:22 pm
That's good - creditors won't know about it though.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

natalie446

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Post by natalie446 » Wed Mar 04, 2020 2:00 pm
Just want something sorted now so I can sleep and not stress the way I have been. Its affected my health more and anxiety as kicked last few months. Just would like to wake up and be happy and enjoy life with my children x

kallis3

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Post by kallis3 » Wed Mar 04, 2020 2:42 pm
I am sure you will get something sorted soon. In the meantime we are here for support and advice.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

natalie446

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Post by natalie446 » Sat Mar 07, 2020 11:54 am
Well went back yday to citizens advice only to find all the staff apart from receptionist was off sick 😔 so they said they was sorry but I would have to come back next week now 😔 so another week of stress until they can tell me which way to go.

kallis3

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Post by kallis3 » Sat Mar 07, 2020 12:02 pm
Have a word with one of the smaller companies who may be able to help.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

natalie446

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Post by natalie446 » Sun Mar 08, 2020 7:39 am
I wouldnt even know where to start with little companies 🤷‍♀️
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