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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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      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.

      Frankly I don't think that is any accident.

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Agency Workers 12 week qualifying period


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Hello there.... advice sought please. I have been working for an agency for 14 weeks now on minimum wage, I am aware that after 12 weeks in the same job you should be entitled to the same wage as permanent staff in a comparable position.

 

So, I emailed my agency contact and this was the reply:

 

"I was passed an email from you with regards to parity rates when you have worked your 12th week.

 

Your friend is right to some degree, if a client has a person who works the same job on a fulltime contract with the same job specification then you would be entitled to earn the same wage as the fulltime member of staff.

However with (name removed) this is not the case as we do not have a comparator so as a result there is nobody to match your wage against so you would stay at the same rate of pay I’m afraid."

 

Fair enough you might say but I'm doing the exact same job as the guy who gets paid a lot more than me to do it!!!

 

What I'm asking then is, is there anything I can do about it? My fear is that they will suddenly find I am no longer suitable for the job if I make a fuss about it.

 

I am looking for permanent work but in the meantime I don't want to find myself on the dole for being a "troublemaker", and to be honest I rather like this job. It would just be nice to get a living wage from it.

 

Thanks in advance and apologies if I have posted in the wrong place xx

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"Isn't "x" a comparator?" - if you are sure person X only does the same work as you and nothing else.

 

I am afraid I can't answer the risk/ reward question here - it's one for you to decide!

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Can you make some on the quiet enquiries with the comparator direct to see if their job role is indeed the same?

 

If they are, then you could have a Tribunal claim - but you'd need to be sure before rocking the boat!

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Thanks for the replies, the job is in a factory and you get sent to do various roles wherever you are needed under the job title "Production Operative/Packer". The guy I work with does mainly the same job as me but he also does other things that I haven't done, the flip side of that is that I have done some things that he has never done in all the time that he's been there!!! I suppose the fact that the agency staff are moved to where they are needed most within the factory, whereas permanent staff tend to stay in the same section, means that there is no comparator??? Oh well, at least it will look good on my CV if nothing else!!! I can now use a CNC Tapping Machine as well as stick stickers on boxes.... :/

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I don't think so izzitime101.... they just have 4 rates of pay for the shop floor workers, the highest being those that are qualified in using certain machinery and the lowest being generally unskilled operatives who do a bit of whatever is needed. My fellow agency workers seem to be stuck on packing which is where I started but I got moved to another section where I am doing semi-skilled work. The permanent staff that I work closest with in the section are on the the second lowest pay rate which is still considerably more than minimum wage!!!!

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are you unionised at all?

if so it would be worth joining.

we have a similiar thing where i am,except we have grades, which is very helpful to us.

if no union, i would reccomend speaking to an employment lawyer.

are any other agency staff in the same position as you within the company,as in doing a higher paid job than you get paid for?

if so, have a chat with them, and talk about sharing the cost of speaking to a lawyer.

In the meantime,write down on each payslip which days and hours you have done as overtime, if you get any :)

question everything!

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