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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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Carphone Warehouse - Upgrade Lie


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I did a mobile contract upgrade with CPW 10 days ago. The new contract is 18 months with 11 months free rental. The rep, a Mr James Singleton, told me the cashback would be automatically paid to my bank account, that was why I finally agreed to take the offer because I do not like redemptions. He also said he would send me the contract and details of the offer by post the next day. I waited and waited but nothing has arrived. So I called CPW today, a rep told me I will receive the contract and everything else next month and...the offer is via redemption:-x they do not do automatic cashback:x I will have to send the bills to them every few months:-x.

 

I decide not to complain to CPW because I can not prove that Mr James Singleton did offer me the automatic cashback, that would be my word against his...

 

Just be careful when you upgrade your contract over the phone. They will do everything, including lying, to get your money.

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Hi A Freeman

 

Ok well you have 14days to return and cancel your contract or up grade, was the sale done over the telephone or in store.

 

I would certainly complain, some one has told you tales and you don't want to complain "how many other people will he does this too?"

 

If it was done over the telephone it would be reordered, if in store i would go and ask to speak to this salesman and his manager.

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Hi A Freeman

 

Ok well you have 14days to return and cancel your contract or up grade, was the sale done over the telephone or in store.

 

I would certainly complain, some one has told you tales and you don't want to complain "how many other people will he does this too?"

 

If it was done over the telephone it would be reordered, if in store i would go and ask to speak to this salesman and his manager.

 

Hi alfa1_steve

 

Thanks for your reply.

 

I did the upgrade over the phone that is why I do not want to complain, because I have no evidence that the rep made such a offer(automatic cashback). Or are you saying I can make a formal complaint even without any evidence?

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The answer to your question is yes.

 

If i was on your shoes this is what i would do.

 

1) if the upgrade was within the last 14 days i would cancel it you can do this by contacting them or go into a shop.

 

2) If 14 days has allready passed not long ago ie 7 days i would still request that it is cancelled explaining that this information (instant cashback) has just been brought to you attention and this was not what you agreed ie a breach of contract.

 

3) If done over the phone it would almost certainly be recorded the reason being that this is a the cpwh way of proving you have a contract as you can not sign anything over the phone, understand?

 

4) Ask to speak to a manager and explain to him the situation in full and ask him/her to listen to the call, If he says the call is not reordered tell him/her you will send a SAR and then promptly send one including a postal order for £10.00. This will give you every single peace of information held on the account and any telephone conversation typed up.

 

5) The SAR come's back with sales call transcribed bingo! you got them.

 

6) The SAR come's back without the call transcribed, ask what proof they have that you signed the contract?

 

Come back to us with any questions and what the cpwh say, we will do our best to advise ok and hopefully get you some compensation ie cash back promised or the contract canceled.;)

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Thanks!!

 

CPW has offered a very cheap tariff which I agreed to take. If I refuse it and go on to cancel the upgrade deal then I have to go back to the old tariff which is quite expensive.

 

alfa1_steve, thank you again for the input.

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Hi A FREEMAN

 

 

Really glad that you managed to get a better deal from the cpwh.

 

Just make sure you get everything agreed in writing ie new contract.

 

Pleased i was able to help with my limited knowledge in this area

 

All the best;)

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