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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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Advice On Redundncy Payment


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I worked for a large company which was taken over by a diferent company. The terms and conditions were different dependant upon which part of the company you worked ie redundancy payments in my department was 2 weeks for every year worked, other departments would be paid 4 weeks for every year worked.

The company advised last October in a memo that the redundancy payments were going to be harmonised for everyone

My department was advised in the December of pending redundancy in the following year.

Surprise surprise the company then decided they would put on hold and we would only receive 2 times our weekly wage, if I had been working in a diferent part of the company I would have been entitled to 4 weeks redundancy for very week worked.

I know companys arent obliged to pay above goverment statutory payments, but ive lost out because i work for a different part of the company.

 

I am in the union however they werent very supportive said they would take up at Director level and after lots of fobbing off from them, they came back and said it was company policy and i should accept it. Had the union come back quicker i could have taken up a grivance while still employed with the company. I didnt do this as the union said they were looking into and now my employment has ceased and I dont think the company greviance procedure is an option

Surely this cant be right

Has anyone got any ideas whether this could be taken to tribunal

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You don't need to be employed to start the grievance procedure.

 

How long ago did you leave?

 

If you are in time for an ET claim then you should write to your employers about your issue and this will be step 1 of the Statutory Grievance Procedure.

 

Post back with more detail please.

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Have you been paid any redundancy at all?

 

If you haven't then you can bring a claim within six months of when you should have been paid.

 

If it was redundancy pay regarding your contractual terms then you may be out of time as it is three months.

 

Call ACAS tomorrow asap for further help.

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Thanks For Your Advice - Yes I Was Paid Redundancy As You Say Im Not Happy With The Amount I Was Paid And The Contractual Terms And Discrimination If Id Sat In A Differt Part Of The Office I Would Have Had Twice The Amount Of Redundancy

 

I Hadnt Gone To Anyone Else As Naivley I Trusted The Union To Do As Thye Said They Would

The Union Had Committed To Looking Into It And Had Said They Were Apointing A Solicitor They Dragged There Feet Then Changed The Union Rep And Turned Round And Said It Policy Its A Big Company Just Accept It

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Hi there, employers are only required by law to pay the statutory redundancy payment.

 

Any enhanced redundancy payments are entirely discretionary and can be varied accordingly - providing, of course, that there is no clause in the employees contract which entitles him to a specific enhanced redundancy payment.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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You would of been covered under TUPE

The Transfer of Undertakings (Protection of Employment) Regulations 2006

 

i`m sorry but it looks the company honored your contract and thats all they needed to do.

 

Ell-enn is 100 % right that employers are only required by law to pay the statutory redundancy payment.However if there is a enhanced deal in the contract that has to be honored.

If my comments have been helpful please click my scales

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