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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?   
    • 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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    • dx100uk
      Parking Eye 2 x ANPR PCNs - two different vehicles - PAPLOC now claimforms - Kenwood House, Tunbridge Wells - one claim discontinued one ongoing

      By dx100uk · Posted

      any news on your case? dx

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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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

Accused of fare evasion - **SETTLED OUT OF COURT **

Becky_kay
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firstclassx

firstclassx

Posted
Posted
Ah I jus looked at the sumons n they were stamped 28th jan?

 

Ahh unlucky. Must be a busy court, probably listed for Dale Street, Liverpool, I'd imagine.

 

At least Liverpool Magistrates Court is very used to dealing with railway offences, the conviction rate for them is about 95% though! You'll get a fair trial mind.

 

I'd consider instructing a solicitor for the Section 5(3) Regulation of Railway Offence, the problem is most solicitors don't fully appreciate or understand this niche area of law, (could even cause more damage!) and those that have the specific knowledge will cost a fortune.

 

Unfortunately, I suspect you will almost certainly be convicted for the Byelaw 6 Offence, but there's no criminal record attached to this. Probably a fine £80-£100.

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Becky_kay

Becky_kay

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Its just soooo annoying I'm going to be put in the same catagory as people who have actually gone out there to defraud the system and avoid paying fare!! Mistakes DO happen, look at their letters to me with conflicting stations on..blatantly a mistake..but one that will get overlooked with a second thought no doubt! I could litterely kick myself for not checking the ticket sooner but it hadn't even crossed my mind to knowing I'd bought it just the day before, I was in such a horrible place that day too with everything going on. Alls I can do is hope the judge sees I had no intent I guess.. :(

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Old-CodJA

Old-CodJA

Posted
Posted
He spoke to me like I was some sort of low life criminal trying to avoid paying all of 3.90! It's ludicrous!

 

 

If you wish to convince the TOC of your error and wish to get this settled before the Court hearing, you really do need to take this tone out of your responses.

 

I understand that you may feel aggrieved, but it is not 'ludicrous' that the TOC should process what has been reported as an attempt to avoid payment of their £3.90. The amount of the fare does not matter.

 

I am convinced from reading your posts that as firstclassxx and Bazzas have said, the tone of your responses has convinced the TOC prosecution office staff that the inspector was right.

 

If you wish to convince them that you are genuine and wish to get them to deal with this without having to engage a Solicitor, or put it before the Court, do try to take the accusatory tone out of your comments no matter how minor you may think that is.

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Becky_kay

Becky_kay

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I'm not sure how I am meant to be though, I am litterly desperate to make them see I didn't meant to do anything. If I had done id begging for their forgiveness. Which approach with them should I try? I really don't know what else to do! I understand by putting it on a forum people are entitled to their opinion and I take each and every one on board. But until you are being accused of deliberately doing something which you honestly never intended to and could ruin your life you just could not understand how frustrating and upsetting it is. Not every case is as black and white. I'm having to go back to the doctors today as this weekend has been the worst ever it's made me ill.

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BazzaS

BazzaS

Posted
Posted
I'm not sure how I am meant to be though, I am litterly desperate to make them see I didn't meant to do anything. If I had done id begging for their forgiveness. Which approach with them should I try? I really don't know what else to do! I understand by putting it on a forum people are entitled to their opinion and I take each and every one on board. But until you are being accused of deliberately doing something which you honestly never intended to and could ruin your life you just could not understand how frustrating and upsetting it is. Not every case is as black and white. I'm having to go back to the doctors today as this weekend has been the worst ever it's made me ill.

 

"I understand by putting it on a forum people are entitled to their opinion and I take each and every one on board."

 

For what it is worth my opinion is based on what I've seen here and my observation of how things go when people write in and the " tone" of their posts.

OCJ's is based on 20+ years of working in revenue protection and prosecutions for a TOC.

 

You may not like the bluntness of the replies saying "this is how it works in practice", and you certainly don't have to take any advice offered, but in the end :

Do you have to deal with

a) things how you'd like them to be, or

b) things how they actually are?

 

I'd suggest dealing with them as they are. Once the "dust has settled" by all means campaign for the system to be changed.

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Grotesque

Grotesque

Posted
Posted
Did you put the ticket through the automatic gate or not?

If you didn't you can request a printout of the ticket proving that it had not been used the day before, so in other words you were not better off and the toc didn't lose a penny.

Also if they refuse to give you a printout, have you got evidence that you stayed in st helen for the night?

Hotel receipt, friend's statement, etc.

With regards to the swearing, I would write an official complaint to the toc about the inspector and his incorrect account of facts (don't call them lies).

The judges usually are inclined to believe all the rubbish they hear from inspectors, even if there's no evidence to support them.

A good judge would see through it, but...

It wasn't your lucky day, was it?

 

Are you serious? And are you seriously here to actually help people???

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Becky_kay

Becky_kay

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I managed to speak to the team today and just explained everything my situation and how I hadn't meant to do it, I took everyone's advice and was apologetic and said I did see how it looked. I'm so greatful they called back half hour later and reviewed my case and it's been settled out of court. Thanks for everyone's advice and help.

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Becky_kay

Becky_kay

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Thank you very much king12345, this has litterly been the worst few days ever for me since receiving the summons. I won't bore you with the dets but had a lot on my plate previous to this! I spoke to a manager today and explained everything and my side and this time took a more apologetic route instead of "excuses" type route, thankfully they have seen I didn't intend to do anything malicious and with it being a first offence it's been settled. Gonna write a letter of a apology to the officer also for the silly comment!

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BazzaS

BazzaS

Posted
Posted
I managed to speak to the team today and just explained everything my situation and how I hadn't meant to do it, I took everyone's advice and was apologetic and said I did see how it looked. I'm so greatful they called back half hour later and reviewed my case and it's been settled out of court. Thanks for everyone's advice and help.

 

Excellent!

It is a bitter pill to swallow when you know you didn't mean to do wrong, but the apology and "out of court" / administrative settlement is ( I hope) the best solution for you.

 

Even if found not guilty of the intent to evade a fare and Bylaw 6 offences, if they laid a Byelaw 18 (within the 6 months) you'd have had no defence.

 

This way is better, you know it is settled. Well done, now you can relax.

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king12345

king12345

Posted
Posted
Merely that you demonstrated little knowledge of courts and even less of revenue protection.

 

You're having a laugh, aren't you?

This is not facebook and I'm not a fat teenager.

Trying to dismantle someone's expertise on this forum is something I would expect from a new member, not you.

Maybe we should all stop giving advice and leave the very few "know it all" to answer all queries.

Possibly making such comments fills your empty life with a sense of self respect that you couldn't gain otherwise.

Apologies if I tried to help, in future I will make sure I don't join a discussion that you are orchestrating.

Peace!

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