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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Out of times are going to cost £35 from monday week


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If by any chance you are one of these people who for whatever reason have recieved a bailiff visit and are in the process of filing a late stat dec you have till monday week to file free of charge. After this there will be a fee of £35 per out of time. If this is refused then a n224 application to set aside will cost a further £75. however if you are on is/jsa/child tax then this should not affect you.

 

If you wish to appeal against the registration with the Court

If a correctly completed Statutory Declaration is filed with the TEC within 36 days of registration, the Court registration will be revoked (cancelled). This does not cancel the original penalty charge. The matter is referred back to the local authority to decide what action they wish to take next.

If you are unsure of the date of registration you can contact the TEC on 0845 7045007 and request this. If you do not have the Statutory Declaration (Form PE3) a further form can be sent by email, fax, post or you can use the Forms link below.

Another option would be to request an extension of the time allowable for you to file the Statutory Declaration with the TEC. A maximum time period of four weeks can be obtained. Please note all time extensions must be submitted to the TEC in writing (either by post/email/fax) prior to the expiry of the 36 day time scale for filing.

Please find our contact details via the following link - Contact Us.

If you are out of time to file a Statutory Declaration

For the relevant forms to make an application to file a Statutory Declaration out of time (PE2 & PE3) please see the forms link at the bottom of this page.

There is no prescribed time limit in which you can apply to file the Statutory Declaration out of time. On receipt of an acceptable application the Traffic Enforcement Centre will notify the Local Authority concerned and give them 19 working days to either accept or reject the application.

If the Local Authority accepts the application it will be treated as an in time Statutory Declaration and the Court registration will be revoked (cancelled). The matter is referred back to the Local Authority to decide what action they wish to take next.

If the Local Authority rejects the application, it will be referred to a senior officer of the Court at the TEC. This is for an impartial decision on whether the application should be granted or refused. Both parties will be informed of the result.

Following the decision by the Court officer, either party may apply, within 14 days, to have that decision set aside.

The relevant form (N244) and guidance notes to assist can be obtained from the TEC. If this application is accepted then the case will be transferred to the respondent's local County Court and a District Judge will review the case.

The following link provides information on the most frequently asked questions received by the TEC Helpdesk.

 

STOP PRESS

Please be aware that with effect from 1st October 2008, the following fees will be introduced:

£35.00 for all Out of Time Statutory Declarations or Witness Statements (PE2 or TE7)

£75.00 for an application to set aside a Court Officer's Order (Form N244)

Forms: Statutory Declaration and Application to file the Statutory Declaration out of time

Forms to complete to apply against registration of:

Congestion Charges / Bus Lanes / Parking / Moving Traffic contraventions.

or:

Vehicle Emission contraventions (only)

Edited by letsmakeamark

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