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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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Prison- should life mean whole life ?


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There has been discussion on whether some jailed for life should be kept inside for the whole of their lifes. Should this be the case, no matter how much it costs or should the government look at other options ?

 

If someone is kept in a maximum security prison for 50 years, that would cost approximately £2.5 million. This is the equivalent of the tax paid by 500 full time workers on average salaries. How would these people feel that their hard earned tax is going on paying for murderers meals, accommodation, plus their funeral costs at the end of their life ?

 

While I do not support the death penalty, when you work out the costs of justice and that the family of the murdered may be paying their taxes to feed/house these people, it does make you ask the question.

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I assume that this post comes off the back of the release of Harry Roberts; my personal view is life should be life (personally i would like to see the re-introduction of the death penalty, but that is a diffrent conversation).

 

What dies cheese me off a bit when the whole "should life mean life" argument gets going is the suggestion the someone who kills a poiliceman should be punished with a longer sentence than someone who kills a fireman, florist or chicken farmer. I fail to understand why the police should be put on a higher pedistal than anyone else who is gonig about their lawful activity.

It is easier to enter a rich man than for a camel to pass a needle

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Sentencing regime is wrong full stop. What's all this 'maximum' crap, there should be minimum sentences not maximum, take it away from the crappy judges half of who haven't got a clue about how the victim feels.

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Sadly with the removal of the death penalty there is no "ultimate" penalty.

 

I can understand why it was removed - if even one person is sentenced to death and they were not guilty of the crime.. that is not good at all.

 

I think it should be reinstated, but those who are convicted and sentenced to death, could then have their sentences commuted to Life without parole.

 

I find it very odd that at the moment a "Life" sentence means that the offender can be released after about 10-15 years. Irrelevant that they have to report to a Parole officer on a regular basis. Life should indeed mean life.

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IMHO, some of the sentences handed down by liberal judges make you wonder why the offenders were even brought to the court in the first place.

 

It would be interesting to see what happens to the young thugs in the story aired on BBC today.

 

http://www.bbc.co.uk/news/uk-england-merseyside-29754597

 

A 12-year-old boy and a 15-year-old girl are among 11 people who have been arrested on suspicion of raping a woman at her home in Liverpool.

 

The 43-year-old woman, described by police as vulnerable, was attacked at a flat in Anfield at about 16:20 BST on 24 September.

 

Paramedics called police to report the woman had been sexually assaulted.

 

Two men aged 18 and 19, eight boys aged between 12 and 16, and the girl have been released on bail.

 

 

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have prev threaded about our 'criminal' sentencing.

it (our sentencing) is soft atm, but its not entirely the judges fault. they have their formal sent guidelines which are from parliament, which they must follow. then is re parole.

alot of it is about cost and space.

we're not the worst though. eg that Piers Morgan in norway only got 20 yrs for killing how many people!, although he may not be let out if still considered a 'threat'. apparently though, conveniently, he has recently renounced violence!

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They should be made to work for their keep in prison. How about fixing pot 'holes', a chain gang, they do it in some states in the US.

 

Slavery is illegal in Europe. Supposed to be in US too, but thats America for you.

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Making prisoners work and earn their stay at HM hotels cannot be considered slavery.

There should be a work program for prisoners where they would have options to do a range of different jobs rather than laze about all day long at our expenses.

So many jobs could be performed from behind bars, including the running of the prison itself (cleaning, make or repair furniture, redecorating etc.

Many prisoners are not convicted of violent crimes so they could be escorted to public offices in groups every day to work there.

Unfortunately we are too politically correct to let criminals work because they have the right to squeeze money out of society after they've committed a crime.

Nice!

The problem is that most citizens would like to see the death penalty reintroduced, life sentence not reduced, harsher prison conditions etc.

But the 5% of us are wanna be heroes, do gooders, communists at all costs and human rights activists who think that if someone killed 200 innocent people, they should still be treated with respect and have the chance to be released into society one day.

In essence this 5% of us rule society.

In my books this is not called democracy.

In a democracy the majority makes decisions, not a small, very small group of people shouting 'human rights' at every opportunity.

Why are we scared of them?

Because we don't want to be the one not fitting.

Just think how many times we think about something but we don't say it because it's inappropriate, especially at work.

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Prisoners already do work and they get paid a small amount. You will remember the media running stories about inmates making phone calls to peoples homes on behalf of companies. My local open prison has a garden centre where you can buy plants and the veg they produce. I think some of the prisoners work in the centre when it is open to the public. It always worries me when I hear that someone dangerous is on the run, when they have exceeded the amount of leave they were on. If they were potentially dangerous, why did you let them out for the weekend ?

 

I think the prison service needs major reform, so that they have a different approach. It appears to me that they have too many mixed category prisons, when they should have different levels of austerity. Perhaps those who commit murder should have to do hard labour for a period. Locking them up for 23 hours a day when they will probably try to sleep for most of it, is not a great way to treat people. Perhaps if they are made to work, any money they earn can go into a general victims fund.

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Prisoners already do work and they get paid a small amount. You will remember the media running stories about inmates making phone calls to peoples homes on behalf of companies. My local open prison has a garden centre where you can buy plants and the veg they produce. I think some of the prisoners work in the centre when it is open to the public. It always worries me when I hear that someone dangerous is on the run, when they have exceeded the amount of leave they were on. If they were potentially dangerous, why did you let them out for the weekend ?

 

 

 

I think the prison service needs major reform, so that they have a different approach. It appears to me that they have too many mixed category prisons, when they should have different levels of austerity. Perhaps those who commit murder should have to do hard labour for a period. Locking them up for 23 hours a day when they will probably try to sleep for most of it, is not a great way to treat people. Perhaps if they are made to work, any money they earn can go into a general victims fund.

HOW DARE YOU!

WHAT ABOUT THEIR HUMAN RIGHTS!

I'm outraged at your suggestion!

(NOT)

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