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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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Overpaid then NOT paid...help! (work issues)


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Heya, first post as I am aeful at these kinda things.

 

Background - i'm a Vet working at a surgery that was taken over in June this year. Since being taken over lots of things have changed and our full pay have never ever been in on time (5th of the month). We have only had 2 payslips out of 4 received.

 

I also do out of hours work and get paid cash minus vat/materials etc for what work I did.

 

August did a LOT of out of hours and raked in like £1.5k - yay thinks me. Last month (september 5th) get paid my normal salary PLUS like £1200 extra. I think this is for the out of hours and dont mention it to my boss as I thought he worked it out and put it in.

 

He then tells another member of staff that I was overpaid by £1k but doenst tell me.

 

Out pay goes in on the 5th October, none of us get our full pay. 10 days later I only have £500 paid in instead of the £1253 I usually get so I phone my boss. He says he overpaid me by £1200 last month so that is my pay for THIS month (October), I say that I wish he told me this EARLIER before I used it to pay off some bills etc, all he says is "sorry" and that the £500 (im guessing from out of hours work) is all I am getting this month, which is insane. I cant afford food/petrol etc, all my bills have come out and im having to put things on my Visa card which is just NOT ON.

 

Sorry that this is rambling, its hard to make sense of myself. He is coming up to the practice on Thursday and I want to speak to him then about it but I am RUBBISH about this. I looked online and found this which was helpful but a bit fuzzy about non payment/over payment. It says that if he overpaid me he can just deduct it off without telling me? But I had to ACTUALLY phone him up and ASK what on earth was going one as I have no money, surely it was his job to inform me before anything like this happened IE immediately after he overpaid me?

 

Please help me, is he allowed to just NOT pay me this month as he screwed up last month? HE doiesnt even know how or why he paid me that extra money last month, he really is useless and disorganised :( Help!

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Hi and welcome!

 

Two things initially strike me about what you've said. Firstly, the take-over of your your original employer should be covered by the TUPE regulations which in effect mean that the new owner of the business must honour your existing terms and conditions of employment.

 

To read more about TUPE I sugest you have a look at

 

Transfers of Undertakings (TUPE) - BERR

 

As far as the deduction form you pay is concerned and employer is expected to act reasonably, especially in cases where an overpayment of wages is made and needs to be reclaimed. Whatever the circumstances of the overpayment, the employer should never make a deduction to recover it without first consulting the employee and agreeing staged deductions over a period of time to recover it. Interestingly, if the employee genuinely believes the money is due to them and spend it, the employer may not be able to recoup it (I understand there is case law to support this).

 

Your "missing payslips" can be demanded from your employer as a failure to provide a payslip is a contravention of Section 8 of the Employment Rights Act 1996. See this link:

 

Non-payment, deductions and payslips : Directgov - Employment

 

You might find this link of interest too:

 

Employment : Directgov

 

I hope all this helps you. All the Links above have more links to explain things in greater detail for you.

Jimbo 44 - always happy to help, but always willing to learn from being corrected too!!! Whilst any advice given may be based upon personal experience, please always be sure you seek guidance from a professional in the particular field.

 

Never be afraid to try something new. Remember that a lone amateur built the Ark, but a large group of professionals built the Titanic.

 

A 'click' on the scales is always appreciated if I have helped. Many Thanks!

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Hi,

 

the following is from the direct.gov website

 

If you were overpaid on a previous occasion Your employer will often be allowed to recover the overpayment. You should speak to a lawyer, an Acas advisor (Labour Relations Agency in Northern Ireland) or a Citizens Advice Bureau advisor for more information about how and when you might be able to prevent your employer from taking back an overpayment.

 

Also from ACAS..

 

Can my employer make unauthorised deductions from my wages?

 

No. The law protects you from having unauthorised deductions made from your wages, including complete non-payment. This protection applies both to employees and to some self-employed workers.

There are extra protections for individuals in retail work that make it illegal for an employer to deduct more than 10 per cent from the gross amount of any payment of wages (except the final payment on termination of employment) if the deduction is made because of cash shortages or stock deficiencies.

Workers who believe they have suffered an unlawful deduction from wages can make a complaint to an employment tribunal.

 

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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