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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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car juddering and can smell diesel through vents??


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Not sure if this is the right place to post this question but here goes! for a few days my car has been juddering as if its losing power especially in 3rd gear,quite sluggish going up hills and starts to blow smoke from exhaust! Any ideas of what this could be? sometimes you can smell fuel coming through the vents too.

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How do I determine that the smell of fuel, which would suggest a fuel leak? When I smell a fart, I assume someone has farted. It could be a fart impersonation machine concealed somewhere I didn't consider, and this could indeed be a pretend leak, but if I smell fuel when driving I assume the worst until proven otherwise. It is simple common sense and thought of safety.

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how do i determine that the smell of fuel, which would suggest a fuel leak? When i smell a fart, i assume someone has farted. It could be a fart impersonation machine concealed somewhere i didn't consider, and this could indeed be a pretend leak, but if i smell fuel when driving i assume the worst until proven otherwise. It is simple common sense and thought of safety.

 

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Excuse me. At what point did you earn the right to insult me?

 

You are of course absolutely correct in that the smell of diesel does not mean that there IS a leak. I stand corrected. But that does not excuse you being highly offensive in your reply. If able to read? This is a public forum that I enjoy participating in. I don't feel that you have any right to post such an offensive remark at me for simply trying to help the OP.

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Ime no mechanic but the evidence does point to fuel starvation

 

smoke from the exhaust can show fuel is not being burnt so it may be some sort ignition fault

 

may i ask how many miles the vehicle has done

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heres my tuppence worth,Ive worked on diesel engined vehicles for last 30 years,usually if you are smelling diesel fuel through the vents it means that either an injector or the pipework to/from the injector pump is loose or leaking diesel on the hot engine,thats why you get the smell of fuel,either way I would stop and get it looked at,last thing ya want is a lot of fuel over a hot engine,it will eventually go on fire!!

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Excuse me. At what point did you earn the right to insult me? .

 

In your somewhat crass post No. 7.

 

And if you think that my post is highly offensive then you have a problem yourself let alone that of the OP's car.

 

GGJ's post asks the right questions as does scania's. There are two diesel systems in use at the moment which both have very different fault characteristics. A leak prior to the pump will be obvious as it will drip and leave witness marks. Post high pressure pump it's not so obvious and can be caused by a multiple of things not easily apparent to the eye.

 

As GGJ points out smoke is usually caused by fuel not being burnt efficiently which generally means either too much or not being burnt efficiently. It is unlikely to be fuel starvation more a case of injectors dripping due to wear.An alternative is that the metering control has gone wrong. This unburnt fuel has to go somewhere and as in the majority of cars these days is re circulated.

 

So there are a host of things to look at other than saying "Well, it has a fuel leak which should always be taken seriously"!

 

You stick to your student law and I'll stick to my professional automotive engineer of 30 years status.

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