Kingston debt solutions

[persha]

My sister took out an IVA a while back with a company called KINGSTON DEBT SOLUTIONS

 

 

they contacted her

she told me about it the other day (first time I heard about it) and

 

 

I am a bit sceptical about what they have been up to.

 

 

Hence email to CAG which is an amazing forum and has helped save thousands over the years.

 

1) They applied for a PPI refund with some of her credit cards but did not inform her or give her the refund, they kept it all.

Is this usual practice for IVA's and if they did keep it surely it would go towards paying her debts.

 

2) They have never sent her a breakdown of where her monthly payments are going -again is that normal practice.

 

3) She seems to think that she should be finished paying it up

they are insisting that she has not

but again have not provide statements etc

so can she withhold payment until they do so?

 

It all sounds a bit dodgy to me so

 

 

please please please some advice as she does not know what to do and

 

 

 

 

if she had come to me earlier I could've helped a bit more and

 

 

also told her to use this forum as it would've saved her a lot of time and money.

Thanks in advance

Sharon

[dx100uk]

we have seen some of these companies 'claim' they do an IVa but infact do not.

 

 

they just do all the PPI reclaims and pocket the money

and all IVA payments.

 

an IVA can last for 5yrs max

 

yes it is correct that any reclaims should go off the IVA balance.

 

if they have sent no statements

 

I would get an sar off to them ASAP.

 

 

what does here credit file say?

 

 

when did she sign up with them.?

[persha]

Hi

- she does not know how to have a look at her credit file so will show her as I think that should give us an idea of what is going on.

 

 

She is bringing me her file so will have a look see what she has and has not got.

 

 

I also think a SAR is in order.

 

 

Is there a different one for IVA companies.

 

 

If they have been dodgy is there anyway we can get it sorted beside sending details to FOS or Trading Standards.

 

 

She has received a letter from them recently after insisting that they write to her as I think see feels very intimidated when they speak over the phone.

 

 

One staff member told her the debt was like going into a grocery store filling up your trolley and then walking out without paying!!!

[dx100uk]

std sar is ok.

 

 

you can get moneyback

 

 

but obv you need the info fist via sar.

 

 

TBH its not sounding good

 

 

a debt management company should help you

not make you feel like a criminal or intimidated by them and their staff.

 

 

there avery good recent thread about one of them and a success story too there and horror stories too here sadly.

 

 

dx

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?219311-First-step-Finance-2014-FCA-say-STOP-ALL-PAYMENTS

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?422013-Harrington-Brooks-Failed-to-Make-Payments-**WON-MASSIVE-REFUND**

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?429438-Money-Village-taking-over-from-spectrum-letter&p=4593409&highlight=spectrum#post4593409

[thebaneofbanks]

you can easily check if she is on an IVA by going to https://www.insolvencydirect.bis.gov.uk/eiir/