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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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Council playing dirty. Can i stop them?


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Hope someone can help with this.

 

My partner has a council tax bill from her previous property she lived in which was over 3 years ago.

The council have been in touch and wanted it paid, which is fine.

 

I set up a payment plan with them over the phone for £10 a month until we are a bit better of then we will up the payments.

 

I received a letter from them saying they accept the arrangement and could i send them details of partners work and any benefits we get which i did. I also put at the bottom of the letter

 

The details above are given in good faith and are to be used as reference only and not to be passed on to any third party or used for any other reason than to check against the details provided on the income and expenditure form which has been returned to you.

 

By reading the above you agree to the terms that the details are provided upon and they will not be used for any other purpose.

Not sure if that stands for anything but i look at it as the same thing as filling in an online form and being asked to tick a box to say you do not want them to pass your details onto any third party.

 

This morning we have received another letter thanking us for the details and saying -

 

I confirm receipt of your letter with employement details.

The terms of a liability order allow for an attachment to earnings order.

The payment for £10 a month is not acceptable, the minimum, as advised previously is £20 a month.

To prevent further recovery action being taken contact us.

Now, i have the letter here saying they will agree to continue the £10 a month yet now they have employement details they want to up it or do an attachment to earnings.

 

Can they do this and did my little note on the bottom of the letter i sent them stand up for anything or was it just wishfull thinking..

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Councils are renowned for putting on attachment of earnings orders for CT arrears, do not ignore them as they will do it, try negotiating at say 15.00 per week, they do ask for more whatever you offer but make sure you keep to the payments.

If I have been of any help, please click on my star and let me know, thank you.

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We cant do any more at the moment. !0 a month is the best we can manage. My partner has just gone back to work after being on SSP for the last 4 months and only been back 2 days. We have other bills to try and catch up on yet.

 

As they agreed to the £10 a month payment in writing can they now go back on it even though they have said it was ok?

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As they agreed to the £10 a month payment in writing can they now go back on it even though they have said it was ok?

 

Legally, yes. Nowhere in Council Tax regulations does it state that a payment arrangement is an option , any arrangement is at the councils discretion.

 

 

 

I received a letter from them saying they accept the arrangement and could i send them details of partners work and any benefits we get which i did. I also put at the bottom of the letter

 

It appears that they haven't accepted your terms and you haven't accepted theirs. If you wish to push the issue then they can ignore what you provided and instruct a bailiff or issue an Attachment of Earnings Order.

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They accepted the arrangement over the phone and then send me a letter confirming it so i can't see how they can go back on it so easy.

 

It seems you're not being helped much here by more sources than one......if you have evidence that your council entered an arrangement, I'd say pursue this with your local authority and don't be put off by the negative comments.

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Yes, i think a letter from them with it in writing is evidence enough.

 

I've emailed them stating i'm not happy with the way they have decided to change it and how they have asked me to provide details of my partners employment under false pretences as they said in the letter it was just for information but now they have they details they have said up your payment or further recorvery action will be taken or an attachment to earnings.

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Well after sending them an email stating i was not happy with the way they gained details from us and trying to use them as scare tacticts to be used for other options of collection they have decided that my offer of £15 a month is ok for now. Don't think they realise that some people wont just roll over and play dead for them and we all have a voice to shout back at them with.

 

They did ask in there reply email about my income as they stated the IE form i filled out did not have that on it and it should have been a household income, i only put my partners as its he council tax from before we met.

I've told them it has nothing to do with me or my income as it was before my time and the fact at the moment i'm not working so there would be nothing else to add to the IE form.

 

There reply was the same again, they accept the £15 a month and will review it again at a later date to see if anything has changed.

 

I take it i was rite that as its counicl tax from before we met its nothing to do with me or my personal income?

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