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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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Away from home and returned today to 3 x Bailiff letters and a final Notice RE:PCN


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Hi there, i'm new on here and although I have done some research regarding bailiffs I need some help in dealing with this matter. Recently my best friend committed suicide, I have been suffering depression and decided to get away from things by visiting a friend in wales.On my return I have 2 open letters from a personal bailiff and another from the bailiff company saying that I owe them nearly 400.00 for an unpaid PCN. I know not to let the bailiffs in, I have also put up a right to removal of implied access which was done as a panic prevention! I am completely unaware of the PCN in question as its from 2011...and believe I have only received it after changing my driving license for insurance purposes earlier this year. Bailiff company is saying they are coming back with a van however what im interested in is the correct steps to sort this out...If the PCN is in fact shown to me as proof I will pay it....Its the additional 300.00 that i begrudge paying and in fact have no means of paying as I am already in debt to the tune of 3000.00 and only work part time with a monthly income of 250.00 to pay everything. So, my questions are really how do i get the council to prove the alleged offence....How do I stop the bailiff adding more ridiculous fees and where do I go from here??

 

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Ask for a copy of the PCN from whoever issued it and ask how it was notified to you originally. You may be able to appeal it.

 

If the bailiffs have included an email address, you should probably tell them of your circumstances and that you are vulnerable. Anyone with depression would be classed as vulnerable, so they have to allow for this. Tell them that you are in contact with the council about the PCN and ask them to allow a bit of time, for you to make enquiries with them.

 

The following link is worth reading.

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?168-Bailiffs-and-High-Court-Enforcement-Officers/#PT

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Do you know who issued it? Presumably your local council, but you need to find out. Soon as you can, contact them and find out where they were sending their correspondence to, and the date the PCN was issued. This will give you the basic facts to enable you to challenge the bailiff charges with a view to getting them revoked.

 

Once you have established where the council were writing, and when, then you can file an Out of Time Witness Statement, protesting the progression of the case without your knowledge. I can give you a link to download the forms - will post one here tomorrow.

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Hi and thanks for your replys...well, its tricky because I think my post was going to an old address which was the address on my driving license and when i changed my driving license address for insurance purposes the DVLA have obviously passed on my current address hence why I probably haven't had any communication. Its from my local council yes but Ive heard they tend to not allow OOT for this type of matter. Should I write to them in the first instance to prove the PCN exists?

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No, I wouldn't suggest writing - unless you want to wait maybe two weeks to find out!

 

Just phone them tomorrow morning. Confirm that the mail was not going to your home address at the time, and when you know that for sure, you can file a witness statement contesting the case. Also, note down the PCN number if you don't already have it.

 

These are the forms you need - TE7 and TE9 - ignore the TE3:

 

http://www.parkingappeals.co.uk/LinkClick.aspx?link=Documents%2Ftma2004%2FOrder+for+Recovery+TE3.doc.pdf&tabid=196&mid=2139

 

They might decide to reject your case, so be as clear and persuasive as you can. Give them dates, addresses etc on the TE7 (which is the form where you explain why the application is late) so there is absolutely no doubt what happened.

 

On the TE9, tick box 1 (Did not receive the Notice to Owner).

 

If they do refuse it, you can take things further, but one step at a time. Hopefully they will accept your case and revert things back for you.

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