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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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Sold a car to a trader - mileage issues


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My hpi check isn't the important part here, even if I hadn't done one when I bought the car, the above statements about the trader doing the checks still stands.

 

It simply adds further weight around me being unaware that the car was clocked.

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No, your HPI check IS important here, and so is the trader's if he did one.

 

 

When you HPI check a car they ask you the registration, you give them that, plus the mileage, plus the fee and they will tell you 'its a13th July 2001 Renault XXXXX, 2.0 helios, in blue, 5 speed manual, 3 previous owners, not showing on any of our finance or write off registers and there ARE OR ARE NOT any mileage discrepancies'

 

 

If you did a hpi check that's what happens. You can decline to give them the mileage in which case they wont tell you if any discrepancies show.

 

 

However what i'm saying is that if you DID do a mileage check and it came back with discrepancies but you bought the car anyway and knowingly sold it with a mileage discrepancy then that's very wrong. HPI will have on record whether or not a mileage check was performed by you.

 

 

N.B. I'm not saying you did or didn't, I wasn't there, but the 'trader' should most definitely have done a mileage check with hpi.

 

 

My take on it is that if you knowingly sold it with a mileage discrepancy without saying so then the trader has some comeback.

 

 

If you sold it in good faith without knowing then I don 't believe he does have any comeback.

 

 

And he's most DEF a rubbish trader both buying off ebay and not checking the miles. He (trader) probably never even did a hpi check!

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Bob, I covered this angle in posts #5 and #9. I stated that as long as the car was not knowingly miss-described by the OP, then I don't think there is any legal come back by the trader.

 

I'm not sure why you have come on with this at this stage. The OP has had the advice now confirmed by a solicitor so unless there is something that the OP hasn't told us, his question has been accurately answered as far as I can tell.

 

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Bob, I covered this angle in posts #5 and #9. I stated that as long as the car was not knowingly miss-described by the OP, then I don't think there is any legal come back by the trader.

 

I'm not sure why you have come on with this at this stage. The OP has had the advice now confirmed by a solicitor so unless there is something that the OP hasn't told us, his question has been accurately answered as far as I can tell.

 

Yes it's been answered and thanks to everyone who took the time to respond.

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Sorry to rain on the parade here.

I would counsel caution. I disagree with the Citizen's Advice and also with the solictor.

 

Firstly the caveat emptor principle is a rather old fashioned principle and while it might have been completely reliable 50 years ago and certainly 100yrs ago, I think that the courts are far more interventionist nowadays and also CPR.1 requires them to produce a result which is fair - and that means that they will prioritise justice over unflexible principles such as Caveat Emptor (let the buyer beware).

 

I think that were you are a private seller selling to a trader, then where there might be some unascertainable defects such as worn big-ends or timing chain etc - then I think that you would be in a good position against a commercial purchaser. Equally, a commercial seller would be liable - even for these hidden defects.

 

In your case, you are talking about an express term of the contract. The mileage was clearly stated on the clock. Any purchaser would be entitled to rely upon this when entering into the contract. I don't think that caveat emptor would apply in this case. Furthermore, I don't think that the courts would really want to uphold used car contracts where the contract is defective because of some illegality - and a clocked car is exactly that. It would not be in the public interest and as a matter of policy I can imagine that a court would not help you - however innocent you were and however sorry the court felt for your position.

 

Everyone on this thread seems to take the opposite view. I hope they are right and that I am wrong - but you had better be aware of the opposite arguments and go carefully.

This case is not cut and dried and if the trader decides to sue you for it, you had better be very careful.

 

Citizens Advice are well-intentioned but under-resourced and their advice is often lukewarm.

 

Solicitors are all too often very disappointing - and I can almost guarantee you that if this goes to court, your solicitor won't want to do it herself but will want to instruct counsel and you may find yourself looking at a big bill - which you may not recoup because I am not so convinced of your chance of success - or at least I don't believe that it is as straightforward as everyone here seems to think.

 

Caveat venditor.

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