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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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Origional post is here;

 

http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/260098-jbw-removed-my-car.html

 

 

WEll, i have just today found out the 2nd stat dec was sucessful. Southwark told me they had informed JBW of my stat dec on 20/05/10. then said i have to call JBW re my car:rolleyes: I call JBW to find out the status of my car , who inform me they returned my car back to me on 08/06/10 :eek::eek::eek::eek::eek::eek:.

 

When i tell them that no such action took place (like I'd be calling them if i had my car) there was lots of uming and ahhing then they put me on hold for a long while, then tell me they cant find the person who dealt with my case and i should try calling back in the morning.

 

As a percaution, i rang trace, who said my car has not been noted to them by any party from 08/06/10 onwards.

 

Are JBW into organised crime?

 

I'll know a lot more in the morning.

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JBW dont know their arse from their elbow 99.9% of the time. This company seriously needs to be pulled into touch, failing that, shut down permanently. Its a cowboy set up with cowboys running it.

Good luck with this I am watching with baited breath.

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OK, JBW say they returned my car to my old address, (the one on the warrant:rolleyes:), as per request of southwark.

 

their advice was go a check if its there. if it isnt, put a complaint in writing.

so if your cars not there, tough is what they are saying. who are you going to complain too? and in the meantime your stuck without a car.

'Dude wheres your car' sorry just had to.:cool:

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'Dude wheres your car' .:cool:

 

 

I try to keep my posts as brief as possible, HOWEVER, I ACTUALLY said 'but dude, wheres my car?':lol: twice during the conversation! Southwark told me they did NOT instruct JBW to return the car to the addy on the warrant. I have reported my car as stolen to the police, with the last known whereabouts as with JBW and recieved a crime number.

 

I know it will be a long process, but I'm positive I'll be getting a large payout, as I use my car for my business and I've had to cease trading because of all this.

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was it at the address where they said it was though?? oh dude I cant actually believe you said but 'dude wheres my car' I wouldnt of been able to hold it in. I know its serious but dude wheres your car. what did the police say.

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I am not sure but mr waller the chairman of the jbw group will be at medway county court on the 12th july 2010. I have only heard this off the grapevine.

 

who is sueing him this time?

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He is always being sued. Correction jbw are always being sued. They get away with it then when they try and sue they loose big time. I dont know what the case is but guessing it would be something to do with pcns etc.

So whats cooking today ?

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He is always being sued. Correction jbw are always being sued. They get away with it then when they try and sue they loose big time. I dont know what the case is but guessing it would be something to do with pcns etc.

 

I suggest that anybody who has a problem with jbw turn up as they can then meet the chairman himself and also their legal advisor. Whoever that may be at the moment.

 

In case you think my spelling is wrong. it is'nt.

waller.jpg

So whats cooking today ?

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I try to keep my posts as brief as possible, HOWEVER, I ACTUALLY said 'but dude, wheres my car?':lol: twice during the conversation! Southwark told me they did NOT instruct JBW to return the car to the addy on the warrant. I have reported my car as stolen to the police, with the last known whereabouts as with JBW and recieved a crime number.

 

I know it will be a long process, but I'm positive I'll be getting a large payout, as I use my car for my business and I've had to cease trading because of all this.

 

Your Out of Time Application has been accepted and this means that the Warrant of Execution has been REVOKED. Anything that happened under the warrant (ie payment of removal of your car) is deemed to be VOID and therefore you would either be entitled to a refund of the payment you have made (including bailiff fees) OR the release of your car and you can make a claim in the courts for restitution.

 

The car was taken to the pound on the instructions of Southwark and they are WHOLLY responsible for ensuring that your car is returned to you.

 

It is also SOUTHWARK who are responsible for settling the bailiff fees and any claim for restitution.

 

In cases such as this I have ONLY EVER KNOWN that JBW insist that the vehicle owner attends at their vehicle pound in person to collect the car so something doesn't seem right here.

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In cases such as this I have ONLY EVER KNOWN that JBW insist that the vehicle owner attends at their vehicle pound in person to collect the car.

 

There is a case the owner sent a recovery truck to collect a car from JBW. Westminster got the £155+VAT bill.

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Your Out of Time Application has been accepted and this means that the Warrant of Execution has been REVOKED. Anything that happened under the warrant (ie payment of removal of your car) is deemed to be VOID and therefore you would either be entitled to a refund of the payment you have made (including bailiff fees) OR the release of your car and you can make a claim in the courts for restitution.

 

The car was taken to the pound on the instructions of Southwark and they are WHOLLY responsible for ensuring that your car is returned to you.

 

It is also SOUTHWARK who are responsible for settling the bailiff fees and any claim for restitution.

 

In cases such as this I have ONLY EVER KNOWN that JBW insist that the vehicle owner attends at their vehicle pound in person to collect the car so something doesn't seem right here.

 

I was very fortuneete in that I didn't hand over a PENNY to JBW re my car, HOWEVER, I was unable to work for the duration of seizure. So I want to claim for loss of earnings plus cost of communications, car wash etc. Will this fall under restitution?

 

BTW, I found my car at my old address, resembled a dirty birty birds nest, I cancelled my 'stolen' report with the police.

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I wouldnt claim restitution, I think you have a better chance reclaiming your losses as damages. Make a joint claim against Southwark and JBW and let the judge sort it out.

 

I Would go along with it but would sue both as joint defendants. You wont believe the dirt jbw will dish on their clients !!!

So whats cooking today ?

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