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    • dx100uk
      Iva with Hanover now been passed to credit expert

      By dx100uk · Posted

      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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    • Alfy
      Iva with Hanover now been passed to credit expert

      By Alfy · Posted

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

contesting a job seekers agreement

oblivious

By oblivious
in Benefits and HMRC

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oblivious

oblivious

Posted
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Posted

I guess you are to want of a better phrase nystagmite one of the lucky ones, who actually have an advisor who is reasonable and understands the job market. This advisor told me as she put up a list of jobs I could apply for in the 90 min travelling time there are loads there for you. What she failed to do was actually look at these jobs and filter them down to my suitabilty. All were retails jobs that I have no experience or qualifications in. So how many of these jobs would then be filtered down to wanting no experience, that were enough hours to pay rent ect. I live in the North west where it is known for high levels of poverty and less job availabilty. My guess would be probably a dozen. one weeks of job search done. Not to mention the fact that I am over qualified for them and they would prefer younger than I so they can pay less wages, as my experience at an interview for pets at home. I was oldest interviewee there.

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oblivious

oblivious

Posted
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Posted

Hello another update. I have had a phoncall from the manager of the job centre regarding the letter sent by my MP. I have an appointment on Monday to discuss the issues I have raised. I will hopefully then get my issues resolved to my satisfaction. Will update after the meeting on Monday.

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  • 5 months later...
Trurider

Trurider

Posted
Posted

All that has been written down by the Jobcentre is a nonsense. The whole thing is governed by LAW - Regulation 18 of the JSA. They may not like it but THEY have to obey it.

 

So far as I am aware this still says you need to take Two steps per week. The law does not define what these are, nor does it stipulate any time periods.

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  • 9 months later...
Masso

Masso

Posted
Posted

Recently done a Rapid-Reclaim. They changed my agreement to this:

 

 

~Write to at least 20 employers a week

 

~Phone at least 10 employers a week

 

~Visit at least 5 employers a week

 

~Check Uni-Jobmatch 14 times a week

 

 

 

This totals 49 actions per week!!!

 

 

My old agreement was:

 

~Write to 13 employers a week.

 

 

 

NOW I HAVE TO DO 49 ACTIONS A WEEK!!! I can easily do 5 hours job search a day, because some application forms take 2 hours to complete.

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tommy456

tommy456

Posted
Posted

Who is funding the telephone calls and stationary /postage, to all these potential employers ? as if only paid £71.00 per week or less there is no way it would be me funding it , after all the amount paid is what the law says i need to live off , a whopping £10 per day, It's not enough to properly live off, maybe enough to buy food, but not enough to replace clothing as it wears out , or pay utility bills

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Masso

Masso

Posted
Posted

My agreement is a sanction agreement!...

 

I know one day I'll be sanctioned, it's the way the system is. I'll be sanctioned for not phoning an employer or something, even though I'll have applied for 20+ jobs that week.

 

I slated Ingeus & the Work Programme, but at least I could claim travel costs for interviews and make phone calls etc.

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Charlotte_Henderson

Charlotte_Henderson

Posted
Posted
Who is funding the telephone calls and stationary /postage, to all these potential employers ? as if only paid £71.00 per week or less there is no way it would be me funding it , after all the amount paid is what the law says i need to live off , a whopping £10 per day, It's not enough to properly live off, maybe enough to buy food, but not enough to replace clothing as it wears out , or pay utility bills

 

If your with Ingeus you can use their phone and stationary anytime you like, trouble is with me it costs me almost a fiver just to get to ingeus! :sad:

 

Both my husband and i were told, to ring as many employee's a day in the hunt to find work. who's going to pay my phone bill? not them that's for sure!

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impecunious

impecunious

Posted
Posted

Thank God I'm self-employed full-time now running my own business but three weeks ago when I attended the Job Centre before sign off, my JSAg was amended to undertaking 35 hours per week on job search activity ......... God Bless IDS and David Cameron .....

 

I have a honours degree and my Masters ..... fully qualified, credential and a proven work history spanning 43 yrs -- I was given NO special treatment. If you've been on JSA for more than six months, you are obliged to apply and accept any job you are capable of doing, regardless of whether you want it or not, regardless of whether it's minimum wage or not, and the fact that it may be boring or menial and not what you aspire to - is neither here nor there. Benefits aren't there to "support" you whilst you strive to attain your dream job in your chosen field...... tough eh? But true. And, as for your outstanding student loan ...... it's only payable once your salary exceeds a certain amount, so that's irrelevant for now.

 

When you're unemployed and claiming benefits, you're nothing special just because you have a degree .... you're in exactly the same boat as those people who are unemployable, illiterate - those suffering from mental illness, learning difficulties, physical difficulties who have been deemed "fit to work" and who clearly aren't, those who have worked most of their adult life but find themselves temporarily out of work ....

 

In fact, if you have a degree, you should possess the transferable skills needed to find yourself a job - any job - in order to escape the indignity of claiming JSA.

 

I learned very early on that being precious just because you have a degree is just a waste of valuable time. The JobCentre isn't set up to deal with graduate recruitment ..... you either have to do it yourself or just toe the line!

 

Bleating to all and sundry won't help!

 

 

Rant over! :-) I have work to do .....

 

Imp :-)

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Mr.P

Mr.P

Posted
Posted
The JobCentre isn't set up to deal with graduate recruitment ..... you either have to do it yourself or just toe the line!

 

But universities are !

 

My local uni has a dedicated team that provide support and guidance for all students, past, present, and not just for their graduates - I got involved with their program even although I had never studied there.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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impecunious

impecunious

Posted
Posted
But universities are !

 

My local uni has a dedicated team that provide support and guidance for all students, past, present, and not just for their graduates - I got involved with their program even although I had never studied there.

 

 

Exactly Mr. P :-)

 

If some people were to spend as much time actively searching for a job, instead of wasting time bleating about it - they wouldn't need to claim JSA

 

Imp

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san_d

san_d

Posted
Posted

If some people were to spend as much time actively searching for a job, instead of wasting time bleating about it - they wouldn't need to claim JSA

 

Enough with this abuse!

"Ask not what your country can do for you, ask what you can do for Poundland"

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Mr.P

Mr.P

Posted
Posted
If some people were to spend as much time actively searching for a job, instead of wasting time bleating about it - they wouldn't need to claim JSA

 

Some will have the drive and support to go self employed and make their fortune (many will struggle just to pay the rent). Some will spend all their time applying for jobs all over the country and are willing to up sticks and move. Most will trawl the local jobs market applying for everything & anything in the hope of getting the most basic of wages. A lot of people will have "barriers to work" - This might be qualifications (either lack of or too many), no experience or too old, the wrong sex or hair colour (if any), or.... There simply isn't enough jobs to go round.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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jasta11

jasta11

Posted
Posted
There simply isn't enough jobs to go round.

 

That's the biggest factor. This is an age of cut-backs and running a business with the minimum of everything - especially staff. Difficult for the young 'uns to appreciate but for those of us in our 40's, 50's and older who can remember full - or almost full - employment, with 'one job, one person' it's a whole new ball game.

 

Aren't things supposed to get better with time??? Apparently not.

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impecunious

impecunious

Posted
Posted
Enough with this abuse!

 

If you read my post carefully, you'll see that it's not abuse ... it's about people who think that just because they have a degree they think they can get special treatment .... My degree wasn't a passport to a job, I still had to jump through all the hoops that everyone else looking for a job had to. In the end, I had to create my own job.

 

Imp :-)

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impecunious

impecunious

Posted
Posted
Some will have the drive and support to go self employed and make their fortune (many will struggle just to pay the rent). Some will spend all their time applying for jobs all over the country and are willing to up sticks and move. Most will trawl the local jobs market applying for everything & anything in the hope of getting the most basic of wages. A lot of people will have "barriers to work" - This might be qualifications (either lack of or too many), no experience or too old, the wrong sex or hair colour (if any), or.... There simply isn't enough jobs to go round.

 

 

I totally agree with you .... I've "created" my own job -- I currently work for about 80 hours/week and I have to pay myself a weekly wage equivalent to my old JSA payment to make my business work ... but I'd rather be working than having to jump through hoops at the Job Centre. I'm 60 in December - no-one would even give me an interview .... we all have to do what we have to do.

 

Imp :-)

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impecunious

impecunious

Posted
Posted
I spend 6 hours a day job searching, i think thats more than enough dont you???? :-x

 

My JSAg was to job search for 35 hours a week ........ It's crazy! I wasn't knocking people who are genuinely looking for work --- God, I know - I've been doing it every week for the last 10 months! My comments were directed at the Poster who believes that having a degree should give them special privileges and that they shouldn't be subjected to the same job search activities that everyone else have to do to qualify them to receive their JSA payments.

 

I think the moderators should close this post now .................

 

Imp :-)

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Charlotte_Henderson

Charlotte_Henderson

Posted
Posted
My JSAg was to job search for 35 hours a week ........ It's crazy! I wasn't knocking people who are genuinely looking for work --- God, I know - I've been doing it every week for the last 10 months! My comments were directed at the Poster who believes that having a degree should give them special privileges and that they shouldn't be subjected to the same job search activities that everyone else have to do to qualify them to receive their JSA payments.

 

 

Oh i agree with you, i went on a course once with some guy who had a degree he couldn't understand why he was there.

He thought he was so much better than us.......................In that case why haven't you got a job lol

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impecunious

impecunious

Posted
Posted
Oh i agree with you, i went on a course once with some guy who had a degree he couldn't understand why he was there.

He thought he was so much better than us.......................In that case why haven't you got a job lol

 

 

True Charlotte :-) I have a degree and my Masters but I didn't expect any special favours - I just spouted big words at the Knob Centre and totally confused them I think they were glad to see the back of me when I become self-employed. :lol:

 

Imp

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