Submitting annual review - online?

majwilmott

Hi guys,
First time ever on a forum so please bare with me.

I am currently coming into my 5th year of my IVA with Credit Fix - and ill be honest they have never been the most helpful to me since they took over my IVA from Mitchell Farrar back in 2015, without a prayer of being able to do anything about it.

Anyway, they have asked me for my annual review - but they want me to do this online via a 3rd party sight.
They sent me an e-mail with a link and instructions, but what they ask is for me to basically log in, enter my internet banking details (which i dont use, and dont plan to) so that this company can retrieve all my statements for that year. I immediatley replied to the e-mail they supply for assistance stating that 1) i dont use internet banking, 2) i dont have a laptop or wifi connection - as the laptop is broke, and i dont see the point in having broadband when im only home on weekends, and basically rely on my phone for any internet, and not only that, my job is field based and im travelling quite alot.

Naturally no reply, but a few days later starting trying to call me. This lasted 2 for 2 weeks, office close before i am at work, office closed when im finished, thry call whilst im st work and cannot get to my phone, when i call back im stuck in a queue, and have to disconnect as my break is over

Anyway when we did chat, i reexplained my circumstances , and they told me that paperbased methods are now obselete and i have to do it this way otherwise i am breaking the terms of my IVA.
in regards to my situation, they said it is stil mandatory, and suggested using public pc's such as a library - which i said thats a security risk in itself as in my past experiances you cant always trust these places as you do not no who is watching.
Anyway, one of the questions is - can they actually make me do it this way? As despite agreeing to the terms of supplying an annual review, i never signed to do it in a method, which i deem not 100% secure, despite what they say.

But in regards of creditfix, since being moved over to them, never have I been given any updates, invoices actually telling me how many months I have left, how much i have left to pay, or even if they had any joy is claiming PPI, which i have now supplied twice.
Am i supposed to get any update on these, or if i ask can I obtain these?

As it is getting close to the end of my term (in theory) my dad wants to finish the IVA and get it closed down, just so i can finally move forward and see the back of this IVA, but obviously with no details of whats left to pay we cannot make an offer.

Sorry for the essay,

Many thanks in advance or any help / tips or advise :)

PrettyKittyKat

They can not force you to do everything online just because this is their preferred method. This will be more efficient and easy for many, but not for you which is fair enough. Log a complaint with the company and in the meantime photocopy your documents and post them to them as you would have done before. They will need your last 3 months bank statements, all your wage slips for the last 12 months, p60, and an update income and expenditure.

You should be getting an annual report on your IVA each year. If you have not received this also include that they are not meeting their obligations of an IVA by providing you with a copy of the annual report. IVA companies may send other letters, such as reminders to send in wageslips, but these are not a legal requirement.

What is 'left' to pay of your IVA is 100% of the total debt included in the IVA plus your IVA fees. If you father wants to make an offer to conclude the IVA early it is known as a full and final variation. Usually approx what is left to pay in payments is deemed reasonable especially if you've had no change in circumstances which deems the IVA unaffordable. He will need to provide a letter of offer and proof of the funds (eg a bank statement)for anti money laundering. The letter should state that the funds are only offered as a gift to conclude the IVA and will not be available otherwise. The IVA company would then need to draft a variation report putting this option to the creditors and it is up to them whether they acccept it.