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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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How Can You Be Sued For A Service In Advance???


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I missed the first payment on my council tax last year and was taken to court by the local authority but I was sued for the full years bill!? Bailiffs were then instructed.I accept the payment I missed, but my point here is;

1; How can I be sued for a service I have not yet received?

(As it happened I moved out of the property before end of financial year, and therefore did not owe a full year but the liability order stood.Now recieved bailiffs letter pay up or else).

My concerns have stemed from this. At the start of the financial year we are sent a full years bill for a service in advance. If we were to miss payment, we then have to pay the whole amount or end up with bailiffs!!!??:mad:

What if senario 1; If bailiff had called prior to this I would have had to pay it all? How is this fair?:confused:

What if Senario 2; Bailffs comes to take my stuff and week later I lose my job? I am then entitled to full council tax benefit and therefore would be owed money. BUT, the rebate I would receive from the council would no way cover the re-purchase of my goods taken??? How is this fair?:confused:

 

Why are we paying in advance? If I was on benefit, it would be paid in arrears? :eek:

 

Why should I have not been sued for the month I missed???

What can I do now to stop bailiffs? I've rung council and they have reduced the amount by the months I did not live there. Ok fine. But they will not stop bailiffs. Bailiff won't talk to me on phone, they want to come to the house.? HELP???

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Council tax, under the regulations, is payable in advance. There is a a concession that allows you to pay it over 10 months, again in advance, but councils have the discreation to allow payments over 12 months, but again it must be in advance.

 

If you miss a payment, then you should have been sent a reminder and then a warning that they were going to apply for a liability order from the courts which gives them certain powers to enforce collection, bailiffs being one of them.

 

So how much have you paid to date and how much do you owe, not including the bailiffs fee?

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Exactly what I am wondering....I'm still left owing some from last year as it all got mixed up as I was made redundant last July and out of a job till January. While struggling to clear the remainder of that of course this year's bill arrives.

I have just been paying £20 here, £40 there but something every month since starting work.

Then last week the letter arrives saying I'm summoned for this year's bill !! I've written to tell them I'm basically doing my best and they can see I've paid something every month and to add court charges on top really fails to help the situation. I told them to go ahead and send bailiffs as them threatening them doesn't make me suddenly able to find the outstanding amount......which I make is only around £150 at time of writing.

Like you I'm left wondering how they can do this for a bill that's for services in advance ! Who knows ? I could drop dead tomorrow.....

 

Cheers,

Lynda~

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Bailiffs are only part of the collection methods they have available to them. They also have 'attachement of earnings' where they can take money directly from you wages. If you are asked for your employment details, then you have to give them and your employer must make the deduction from you wages, he has no choice.

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