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Posted: Mon Jan 05, 2015 3:57 pm
by tobyb
I believe that creditfix require 6 months bank statements on annual review I have nothing to hide but find this a bit intrusive, I am happy to forward copy of direct debits do you think this will be ok.
Posted: Mon Jan 05, 2015 4:04 pm
by recovering
We have all been discussing this on here for a while, I think you have to agree to reasonable requests, at the end of the day they won't have time to scrutinise every thing you have spent, more likely checking your DD's against Expenses you have claimed and you haven't won the lottery
Posted: Mon Jan 05, 2015 4:07 pm
by ilikewatch
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by tobyb
I believe that creditfix require 6 months bank statements on annual review I have nothing to hide but find this a bit intrusive, I am happy to forward copy of direct debits do you think this will be ok.
I wouldn't have thought that they would accept this, surely they would be more interested in seeing credits going into your account than debits coming out?
Posted: Mon Jan 05, 2015 4:12 pm
by Bobds62
That's ridiculous and over the top intrusive.
Why the hell PJG sold us out like this is beyond me.
Posted: Mon Jan 05, 2015 4:14 pm
by Foggy
Hi Toby. The bottom line is that you are obliged to comply with reasonable requests from your IP and sight of bank statements is reasonable.
As mentioned above they don't scrutinize them closely and, frankly, if there is nothing to hide, there should be no problem.
Posted: Mon Jan 05, 2015 4:15 pm
by ridingthestorm
I know withdraw all my money on payday expect for my DD's and have separate pots at home for my budgeting and also keeps what I spend alittle more personal to myself and not the bandits who now apparently service my IVA
Posted: Mon Jan 05, 2015 4:15 pm
by Foggy
Bob, you are asking creditors to forgive non payment of a legally owed debt, how is checking your finances intrusive ?
Posted: Mon Jan 05, 2015 4:29 pm
by tobyb
I suppose I will have to comply with whatever they require, I just find it a little over the top, with PJG if things changed either way I would forward prove of this and take it from there.
Posted: Mon Jan 05, 2015 5:21 pm
by recovering
We all do but I think most other companies aside from PJG ask for statements
Posted: Mon Jan 05, 2015 5:38 pm
by chocoholic2
I was with Sue Clay at PJG, and have had 3 annual reviews...each time 12mths bank statements and wage slips were requested by my IP, so 6mths worth is absolutely no problem
Posted: Mon Jan 05, 2015 6:11 pm
by ivamess
3 months for us via Sue Clay. Not that we mind, good luck to them deciphering the way we sort out our allowances none of which has gone above what we are entitled to.
Posted: Mon Jan 05, 2015 6:47 pm
by MrsR
When we were with PJG i believe all we had to send at review time was he latest 3 months bank statements and 12 months payslips each, along with p60.
I have spoken to creditfix about this and they have told me on two separate occasions that they check for credits to the account and not debits.
I have done screen shots as i do online banking, and they were happy with these.
Posted: Mon Jan 05, 2015 7:19 pm
by hubert
This 6 month's bank statements thing did chafe a bit when first I heard it as Mel didn't require it...
Mel did require monthly payslips, CF don't. It's just their way of working.
I can see it from their point of view. They have to demonstrate to the creditors that they are administrating the account properly and are applying due diligence.
Posted: Mon Jan 05, 2015 9:47 pm
by abbiesmum2003
Hubert, CF dont want payslips??
Posted: Mon Jan 05, 2015 10:20 pm
by hubert
Not every month like Mel did.
They want 6 months pay slips and bank statements at review time.