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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?   
    • 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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Used Car Nightmare from hell...any advice


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Hi folks,

 

Im hoping someone can give me their honest opinion on the problem I have...it's pretty longwinded but I will try to keep the post as brief as I can and if anyone needs any further info then please ler me know.

 

Basically....I purchased a car from a 2nd hand dealer in April 09 and managed to wangle a 6 month warranty out of them (me thinking this was a bonus!)

 

After driving it for a few days, there were numerous issues and I had to take it back to the garage.

 

Main issues were as follows:

 

Car shaking over 60 mph

 

Brakes juddering (if thats a word)

 

An irregular idle on the car (basically the speedo pin would jump and the car felt like it was about to stall when stationery)

 

Exhaust Blowing

 

Eventually the garage repaired the exhaust problem (I say eventually as there is more to this story such as them wanting to charge me for it!)

 

They said the car shaking/vibrating was probably down to the exhaust and should be corrected and the irregular idle was nothing...just probably due to age.

 

They also said they could not find anything wrong with the brakes as they took it to an MOT station and brakes would pass.

 

A week later I went to get 2 new tyres and one wheel was actually buckled....so we had to use the spare....this was what was causing the vibration over 60mph.

 

The occassional judder was still there but I thought I would see how it went. After about another month the juddering was still there and the car was driving bad and jumping like Kangaroo juice.

 

I phoned the garage and he said to use redex and BP ultimate as it seemed like the fuel wasnt getting through.

 

About 2 weeks later, the exhaust was making a noise again and the car jumping was still there and so was the irregular idle (which had never gone away)

 

I phoned the garage and they told me I could book it in any garage under the warranty but I wanted them to deal with it so to cut a long story short....I was palmed off for over a month as every time I called, they said the mechanic was ill or they were full.

 

One day I heard a grating sound and had to take the car into a local garage, only to discover I needed new brake pads and then also new calipers as they were sticking. I phoned the warranty company who told me I was not covered with these even though I tried to explain that I had been complaining about the juddering on the brakes since I had the car!

 

I was then told by the current garage that the car needed 3 new coil springs and the wheel bearings were going on one side.

 

I realise Im rambling so best get to the point....

 

Today I took it in for an MOT and it has failed on numerous things but the main 2 are exhaust emmissions are excessive and bulge in break pipe.

 

I understand that a 2nd hand car will have problems but when I get everything corrected to pass the MOT this will have cost me well over 1k and like I said....I havent even had it for a year (I purchased the car for £1,900) and sometime soon the clutch will go, which I knew and accepted).

 

The question I have is this.... I believe the second hand car dealer sold me a car that was a pile of crap and despite my protests and requests early on to have these problems resolved they kept palming me off and this has resulted in the car failing it's MOT with issues that I believe I complained about.

 

Do I have any rights here against the garage?

 

There is a lot more to this story with the terrible conduct this garage have carried out but I have tried to keep it as brief as I can....(although its not that brief)

 

Anyway, if anyone has any advice that could help me I would be extremely grateful.

 

I am a single parent and had to borrow the money to buy the car in the 1st place and havent even paid it back yet and am now faced with repairs that are probably going to cost more than the car is worth.

 

Thanks in advance folks

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Unfortnately yes.....I never thought it would turn out like this otherwise I would have taken precaution and at least recorded the calls :-|

 

I have witnesses to my phonecalls as some were made from work but thats about it.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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Appreciate any help anyone can offer.

 

Its 3 coil springs that are snapped but the garage did advise to have 4 new ones as it may affect the balance....hope that clears that bit up.

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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