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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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Personal Trainer - refund for unused sessions


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Hello all

 

Firstly, apologises if this post is in the wrong section. I am having a dispute with a personal trainer and this seemed to be the most approriate group unless I missed something.

 

The facts are as follows:

 

1. I found a personal trainer over the web and arranged for personal training sessions at my home in the mornings. At first, the trainer seemed decent and reliable so I signed up for a 10 session pack.

 

2. The ten sessions came and went. At times the trainer was unreliable but he was flexible with me too (for example when I had to cancel at short notice due to work committments). He then offered me a 30 session pack which I agreed to pay for in October 2009.

 

3. Before we started any of the sessions from the 30 session pack, I asked the trainer if we could postpone the sessions til Mid-January 2010. This was because I was starting a large project at work and had very erratic work hours. I also knews that I would have a 6 month period from Jan 2010 where my work would be more stable so I wanted to make the most of that window of opportunity. The trainer agreed with all this and said he would pencil me in to begin the sessions in mid-January 2010.

 

4. In early January, I contacted the trainer to firm up the dates for the training to commence. He informed me that he was very busy and could not fit me in until early Feb. I was dissapointed as this delay was eating into my 6 month window of opportunity but I had no choice but to wait.

 

5. When Feb came, I tried to fix the sessions but was told that the trainer's granddad had passed away and he was dealing with arrangements. At the time, I totally understood this (now I have reason to believe this was a fabrication). After a week, I asked the trainer for a rough indication of when he might return to work. The trainer said he wasn't sure and would let me know.

 

6. After another week, I asked for an indication of when he would be working again but was again told "I don't know".

 

7. Since I was now 2 months into my 6 month window of opportunity, I emailed the trainer to tell him that since he was not sure when he might return to work, I would have to find another trainer. Since the 30 session pack had not been used, I politely asked for a refund. At that point the trainer became very aggressive and refused a refund.

 

For the last 6 weeks, I have been chasing the trainer for a refund but have been given the proverbial run-around. He claims not to be able to act without the consent of his "business manager" although he refuses to explain what interest his business manager has in this matter. The contract was between us two individuals so I do not think the business managar has any right to reject a refund.

 

Anyway, I now fear that I have no choice but to initiate a claim under the small claims court procedure. Given the amoutns involved, I cannot justify the expense of a solicitor.

 

My question is this - do you think I have a legitimate claim?!

 

Thanks all

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Assuming you can prove you entered into an agreement I would write a polite but stern letter giving a resonable amount of time, say 14 days, to issue a full refund before you issue a claim in the small claims court. Send the letter recorded delivery and keep a copy for your files.

Small claims can be done online, very simple to do and do not need a solicitor.

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Thanks, Ash. I believe that the existence of an agreement can be proved by our email correspondence. I have also been in polite and civil email correspondence with the trainer (and his business manager) for the last 6 weeks but am running out of patience.

 

Unfortnately, I do not know his home address. Asking him directly for it will probbaly be met with silence, in which case I will have to employ a trace agent to try and locate him to serve any formal documents on him. hopefully, I will be able to claim such costs back in the claim but I am not certain.

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