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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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BES, business energy solutions


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BES closed my business

 

Back in 2011 having decided to invest in a small bar restaurant to the tune of £120k from money i got from a life insurance following the death of my wife,

 

 

i was conned by BES and its associated companies (who BES denies any affiliation with)

proven by some considerable investigation linking names to leases on premises occupied by such companies.

I was monied and had good credit.

 

After the second invoice of nearly £700, (british gas was £289 at this time) I knew I had a problem,

thats when i had to find out what the state of play was with this company, one word sums it up,, say it with people

 

I changed the legal entity of the business, BES ignored this,

they continued to bill me,

they then took me to court under the ltd company status, (doing this, they legally acknowledged the cOt= change of tenancy)

 

BES then obtained a warrant to disconnect the original business, not the ltd company,

the warrant was granted and the power was cut, my business was over that day.

 

Can you all see what BES did wrong here?,

its easy to see, if any of you had this happen ,

you are in a strong position to action against them,

along with other breaches they committed against me of course.

 

To date they have filed for bankruptcy against me for none payment of invoices, umm.

 

let me see now I am a father to three young kids,

I have no income anymore (thank you BES)

No assets and Im on benefits with no money,

BES incurred many of my debts by their action and have the audacity to send me bankrupt.

 

I am now putting my case together with legal help to sue for damages and like

 

 

i mentioned I need just ten more victims of BES to initiate a class action,

we can stop BES if we pull together.

Edited by BankFodder
As per explanation in the next post below
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Thank you for this post.

 

We understand very well here that BES utilities has acted improperly with many people. This is clear from looking at reports over the Internet as well. BES Utilities are currently under investigation.

 

I'm afraid I'm going to edit your post quite heavily. This is because although it is clear that there is a lot of valid criticism to be made about BES Utilities, some of the language that you use here is potentially defamatory. Also, you have posted in very general terms About BES Utilities that you have not given us any facts and so really we have no idea what led you into a dispute with BES Utilities in the first place, or how we can help you.

 

I think it would be a good idea if you started again with a new thread and laid it all down in a methodical and structured chronological way.

 

It is certainly true to say that BES utilities have made the rounds of the Internet and threatened many people to remove posts. We have received approaches here that we have refused to comply. However, we do think that there is a way of telling the story so that one gets down to brass facts without simply turning the story into an outlet for anger and frustration.

 

Finally, I see that you are trying to start a class action. Good luck – but frankly don't bother. The number of times we hear this about all sorts of companies on this forum – and which never get off the ground, doesn't bear thinking about.

 

You will be much better off pursuing your own action against BES utilities if you have a good basis for doing so and then others will take heart from your example. If you wait and try to get enough people first some kind of collective action, you will fatigue yourself and it will really never happen.

 

I'm closing this thread- please start again and give us a factual account of what has happened. I'm sure that it is very stressful

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