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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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Hoist/Cohen - Claimform old Cahoot flexi loan from 2001***Claim Discontinued***


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Was it not on small track or did it not reach allocation ?

 

I would of thought at only £18ph a few hours either way arnt going to make any difference, in my experience as a LiP you can claim for a lot more time than solicitor could, i.e 5 hours research etc. I once claimed about £400 for quite a simple case but the Judge used the LiP can only get max 3/4 of what a solicitor would get rule, so ended up with just under £300 I recall.

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My own management time to deal wth the claim, research on case law, drafting a defence, even to the extent of car parking fees

 

I did ask for £200, they came back with £80.00, we settled on £125.00

 

I was told at the time i could claim no more than a third what a solicitor would charge

 

I was happy anyway with the pleasure of a DCA paying me

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If a claimant discontinued a claim, are LIP costs recoverable for completing cost/assessment forms (n522 form etc)?

 

Or do costs cease as soon as a notice of discontinuance is received?

 

What form are you referring to when you say costs assessment?

 

Do you mean applying for detailed assessment?

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If a claimant discontinued a claim, are LIP costs recoverable for completing cost/assessment forms (n522 form etc)?

 

Or do costs cease as soon as a notice of discontinuance is received?

 

Is this in connection to your main thread Billy ?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?441250-Hoist-Cohen-Claimform-old-Cahoot-loan-from-2001/page7

 

Regards

 

Andy

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Wasted costs on Discontinuance of claim in the Fast track is applied under a wasted costs order pursuant to CPR 38.6 & CPR 44.9.

 

Regards

 

Andy

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I would be very wary of telling Ganymede the court process. I have learnt a lot form that individual

 

If i can give some advice it will be to check again as you will probably be in error, and Ganymede is seldom in error

 

https://www.gov.uk/assess-approve-court-costs

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*** Update - Discontinuance***

 

The Claimants solicitor sent me a "notice of discontinuance".

 

I doubled checked with the court to see if this was official. They said it was. So more or less case closed. The court confirmed that there is nothing more to do on my side and that they dont issue anything official to me.

 

 

Things I learnt:

 

Always meet you deadlines, eg comply with court directions and prove it with recorded delivery

Never assume anything, unless the court tells you

Don't always believe what you read on these forums, as there is some misinformation out there, best to double check

Keep a spreadsheet timeline, and update it along the way

The court doesn't really value letters, they prefer an official form + fee, where applicable

Never sign anything from the otherside, unless its crucial, as often they are trying to hoodwink you

Good policy to call the court once a week for an update.

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Excellent Billy...delighted for you

 

Wasted costs now....Wasted costs on Discontinuance of claim in the Fast track is applied under a wasted costs order pursuant to CPR 38.6 & CPR 44.9.

 

 

Thread title amended to reflect the outcome.

 

Regards

 

Andy

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Can i just ask

 

You have yet to be awarded costs from the court to claim??

 

You are asking for costs because none have been awarded yet by the court as the claimant withdrew their action.

 

Have you yet asked the claimant to pay your management costs by mutual consent prior to litigation??

 

Or am i barking up the wrong tree

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You apply for a wasted costs order.You can approach the claimant informally first though and try to agree without court intervention.

 

Andy

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You apply for a wasted costs order.You can approach the claimant informally first though and try to agree without court intervention.

 

Andy

 

That was my understanding

 

Detailed costs assessment is if you have already been awarded costs by the court and dispute those costs

 

But stand to be corrected

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Can i just ask

 

You have yet to be awarded costs from the court to claim??

 

You are asking for costs because none have been awarded yet by the court as the claimant withdrew their action.

 

Have you yet asked the claimant to pay your management costs by mutual consent prior to litigation??

 

Or am i barking up the wrong tree

 

I have asked for costs up and 'til discontinuance which you are allowed to do under CPR 38.6. However, if they ignore you, you have to be able to enforce this, you do this by getting a default costs certificate. To get one of these (assuming no prior objection) you need to have served a N252 form, bill of costs, and their original notice of discontinuance. If you havent done this, you cant get it. If there is some disagreement on costs etc, you have to have a detailed assessment of costs hearing.

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But did you submit a cost application to the court prior to the discontinuance??

 

I am sorry but i have yet to be convinced by your argument

 

This is handled by a wasted costs order if either side cannot reach settlement out of court

 

LIP costs are handled under CPR 48.6

 

But as always

 

stand to be corrected

Edited by obiter dictum
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But did you submit a cost application to the court prior to the discontinuance??

 

I am sorry but i have yet to be convinced by your argument

 

This is handled by a wasted costs order if either side cannot reach settlement out of court

 

LIP costs are handled under CPR 48.6

 

But as always

 

stand to be corrected

 

I didnt submit a cost application prior as it never went to a hearing.

 

Similar to this:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?197970-howard-cohen-help-needed-with-court-docs-**DISCONTINUED**&p=3011387&viewfull=1#post3011387

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So if you did not submit a costs application to the court before they withdrew

 

Why are you applying for a DETAILED cost assessment instead of a wasted costs order??

 

Confused.com

 

So presumably to get a wasted costs order you need to submit an application notice (n244 form), and pay the £155 fee and go to a hearing, and hope for all wasted costs to be awarded?

 

I read a few threads, with similar situations than my own, and they did what i'm doing. I am confused.com now

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I have already advised the course of action in post #142 above...if they are not in agreement to your wasted costs then you apply for a wasted costs order...it should not require a hearing.

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