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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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Rossdales bailiffs-Liers, tried to remove car which is not ours!!


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Hi. I'm new to this site so just bare with me!! I have had the day from hell today and i don't know how many times i have been reduced to tears from the dreaded Rossendales. 14 days ago we were contacted about a council tax debt which we had forgotten all about as they had been chasing us at a very old address, even though the council were fully aware we had moved, by a Rossendale Bailiff, to call her ignorant would be polite. Obviously we did not let her into the property but she stood at the front door demanding over 700.00 there and then. Like everyone else i accept my debts but i am a 'can't pay' and not a 'won't pay' so we offered full payment of one of the debts and then offered to settle the second debt with a p.a. She point blank refused our offer and then advised she would be putting a Levy charge on a car which was not ours!! When she left i called the dreaded call centre (was on hold for over an hour!) and asked why this was. They advised me she can make an assumption that a car parked on the opposite side of a busy terraced road no where near our property was therefore ours! We found this very funny seen as though neither myself or my partner can drive!...anyways, stupidy we just ignored it as i thoought they can't remove a car which is not ours!...anyways today we get a call from the Bailiff saying she will remove the car at 5pm, obviously then i begin to panick, i was more concerned over what the neighbour or resident would do to us when they found out it was being removed because of our debt, so hastily i rang the call centre. Again the agent advised she HAD the right to remove a car without doing any checks on the vehicle first and it was down to me to prove the car is not mine, now call me stupid, but how do i prove something is not mine??!! We live very close to a busy town centre, i don't even know whos the car is, it could be anyone's and im not going knocking on everybodys door asking them to hand me their car documents, who would?..i asked to speak to a manager who was very very rude, and advised me that although they employ the bailiffs they cannot have any influence on their decision?!! AGAIN the manager said the bailiff had the right to remove the car without ANY checks!...at my wits end i searched this site and found a really good website on debt advise and i gave them a call....straight away she advised me they cannot touch the car without doing a DVLA check to find out who the owner is, which is obviously not me!!! and that if we offered a part payment (or full payment of one debt) then they should then accept a p.a for the rest of the debt....

Another thing that really annoyed me was that the Bailiff informed us she was coming today but we had 200.00 for her on Friday, we called the contact centre, the bailiff god only knows how many times and she refused once again to come an collect the money!

We have now written a complaint to Rossendales and the council offering full payment of the debt on the 15/12/08 but only to the council as the bailiff had charged us incorrectly, putting on two call out charges with a van when only been the once, and also the levy on a car which was not ours, our starting debt was 507.20 with the council but the bailiff reconed we owed over 700.00!! when we challenged her for a breakdown over the phone she then advised that we didn't owe that much and it was about the 500.00 mark!!

 

I cannot believe how much trouble i have had with these ignorant low life people and i cannot believe that they have lied to us over and over, i am just giving a heads up to everyone on here of what they can be like, but we have not signed or allowed entry to our property at any point, and if they do put a levy against a car which is not yours do not give into their bully boy tactics!!

 

sorry about it being so long

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Hello nutty.

 

Your first error was to be worried about someone elses car. You told them it wasn't yours and that is the end of your obligation.

The owner would have reported it stolen and the police would have investigated, but you wouldn't have been in any trouble.

 

I can't see why they have come in a van as you say you have not let them in so no levy can have been taken so no need for a van. Dispute this part.

 

There are no proper regulation of bailiff fees, but they must be reasonable and in proportion to the amount being collected.

 

If the council says they can't accept your payment, lots don't want to be bothered once bailiffs are involved, then pay it online.

They cannot reasonably refuse an offer of payment.

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Report them to your local MP. Janet Anderson, isn't it? Rossendales got an award for business practice, their web site says...Rossendales (Collect) can help and has a dedicated team whose strong negotiation techniques and persistence help improve our clients’ (Council) collection rates beyond their expectations.

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