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    • The only way to verify whether there is any financial reward for the management is seeing the agreement. That would be required during disclosure IF court proceedings went ahead... Unless you could bring pressure to bear and get a copy?
    • 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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housing association tenancy issue .....


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Hello, wonder if I can get some advice please.

 

Currently my brother lives in a jephsons housing association house and has done for 5 years. He applied for our sister to move in as she couldnt afford her other house she was renting, he got her in as a lodger back in 2012.

 

Now she had lost her job and is on reduced hours at her new employement. Were trying to add her to the tenancy so there would be a possibility of my sister having the property in her name should my brother move on or so she can get help with rent due to only working 12 hours a week.

 

The housing association has refused this but according to their handbook it states you can add someone to the tenancy if they have been living there for 12 months or longer which she has.

 

The housing association is not budging at all.

 

Anyone able to give some advice on this please? Would really be helpful. Thank you.

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Hi jaisunny

 

In the HA response did they give a reason for the refusal?

 

Now when you say the Handbook are you referring to the Customer Handbook?

(If not apologies but in that Customer Handbook the only reference I can find "if they have been living there 12 months or longer" is on Page 27 and the section I think you are referring to is Passing on your Tenancy where it states "a family member who has lived with you permanently for at least the last 12 months".)

 

Now as this refers to Passing on Your Tenancy which in your case you are not as your are wishing to add someone to your tenancy this would not apply.

 

If you are referring to Succession on page 28, of that handbook I am afraid this also would not apply in your case.

 

Please be patient I am sure other will be along.

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Hi jaisunny

 

In the HA response did they give a reason for the refusal?

 

Now when you say the Handbook are you referring to the Customer Handbook?

(If not apologies but in that Customer Handbook the only reference I can find "if they have been living there 12 months or longer" is on Page 27 and the section I think you are referring to is Passing on your Tenancy where it states "a family member who has lived with you permanently for at least the last 12 months".)

 

Now as this refers to Passing on Your Tenancy which in your case you are not as your are wishing to add someone to your tenancy this would not apply.

 

If you are referring to Succession on page 28, of that handbook I am afraid this also would not apply in your case.

 

Please be patient I am sure other will be along.

 

Ah ok understood.

 

So if my brother was moving out as my sister has lived there for over 12 months then he could hand the tenancy over to her? i think thats his ultimate goal anyway to move out eventually.

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The problem they will have is the Brother is a Tenant I assume with a Secure Tenancy and the rights of that Secure Tenancy.

 

The Sister is a Lodger only and does not have the same protection afforded to the brother with a secure tenancy in fact the sister has very little protection being a Lodger.

 

What you need to be careful of is the sister that is a Lodger there agreement is with the brother not the HA and if the brother leaves as she is a lodger not a tenant the lodger will have to move out. Did the brother have to sign/agree to anything from HA when getting permission for a Lodger?

 

What was reason did the HA give for the refusal to add sister to tenancy please?

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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The problem they will have is the Brother is a Tenant I assume with a Secure Tenancy and the rights of that Secure Tenancy.

 

The Sister is a Lodger only and does not have the same protection afforded to the brother with a secure tenancy in fact the sister has very little protection being a Lodger.

 

What you need to be careful of is the sister that is a Lodger there agreement is with the brother not the HA and if the brother leaves as she is a lodger not a tenant the lodger will have to move out. Did the brother have to sign/agree to anything from HA when getting permission for a Lodger?

 

What was reason did the HA give for the refusal to add sister to tenancy please?

 

Well when my brother asked my sister to come in as a lodger it was via email and they said they cannot add my sister to the tenancy 'at this stage' but was happy to allow my sister to move in as long as it doesnt become overcrowded. Which it wasnt.

 

Recently when my brother asked for my sister to be on the tenancy via email to the same person at the HA they replied very bluntly and said 'your sister cannot be added to the tenancy'.

 

The latest development is my sister has spoken to the HA via telephone and told them that our brother may be moving out and she needs the tenancy if possible to be passed to her. They said on the phone that it was ok after a bit of huffing and puffing. However they want my brother to send a written letter to say that he will be moving out and the tenancy will be passed to our sister. I find it a bit odd and i worry that the HA could be tricking my brother and sister into giving up the home completely. They are very cunning i know this as i had a problem 16 years ago when my grandmother died who i had lived with all my life and they wouldnt pass the HA home onto myself and tried everything in the book to wiggle their way out of it.

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If they are asking the brother to confirm ending tenancy I would also be cautious of this as well.

 

What I would advise is asking the brother to contact the HA to arrange a meeting with a Senior Housing Officer not a normal housing officer with sister present to discuss as you have pointed out them agreeing to transfer the tenancy to sister. they really need to have a face to face meeting with a Senior Housing Officer and at the end of the meeting request that whatever is discussed is followed up in writing confirming what was discussed and agreed to by the HA. (During the meeting ensure either brother or sister take notes)

 

I would also advise that anything they send in email they also put in writing ensuring to get proof of posting and keep evidence of everything.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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