CF & Perinta early exit loans

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harrysmummy78
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by harrysmummy78 » Tue Apr 11, 2017 8:06 pm
Just wanted to ask if anybody else is being bombarded with calls/texts/emails/letters from Perinta regarding the early exit loans? My Husband & I have been getting several calls a day and I have just received a text from Creditfix asking why I haven't made contact with them to discuss my options? having just been informed I am likely to be made redundant after 10 years in the next couple of months I tried to speak to CF yesterday to discuss what options I might have but I couldn't get passed the normal customer service guys to speak to someone but I did say that I was fed up of being contacted by Perinta and could they please ask them to stop. Am I obliged to speak with Perinta? as the text I received from CF implied I am not cooperating? I have 10 payments left to make.
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Foggy
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by Foggy » Tue Apr 11, 2017 8:18 pm
No you do not have to deal with Perinta -- but you do need to look into the equity position.
redboxtree
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by redboxtree » Wed Apr 12, 2017 10:22 am
CF and Perinta are on dodgy ground - if need be report them to the ICO for unsolicited marketing texts.

The IP has a responsibility to ensure that actions carried out in their name meet the relevant requirements and PECR is one of them.
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harrysmummy78
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by harrysmummy78 » Thu Apr 13, 2017 12:07 pm
Foggy wrote:
No you do not have to deal with Perinta -- but you do need to look into the equity position.


I have just spoken to them and due to my upcoming possible redundancy I need to know where I stand with that.

I have just had a discussion with them about equity as I will be reaching month 54 in July and looks like I will be having to challenge that as they have estimated my house at 290,700!!! I live in a 2 bedroom mid-terraced cottage with no garden or parking need a new roof/windows/kitchen and is worth no more that 82,0000. I asked who they use and she said Mouseprice this is an absolute joke so as it stands I am looking at an extension to our IVA's :?
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kallis3
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by kallis3 » Thu Apr 13, 2017 12:44 pm
Get your own valuation done! Ignore all of the online valuations as they always overvalue.
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Foggy
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by Foggy » Thu Apr 13, 2017 12:50 pm
Definitely challenge that valuation ! Online valuations are a joke !
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Michael Peoples
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by Michael Peoples » Fri Apr 14, 2017 9:33 pm
Get your own valuation and confirm with creditfix that this allowable as a cost of the iva.
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