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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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Bought a car, then its gone missing!...... **Found**


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Well this could turn nasty so i wanted to get some heads up opinions here first.

 

me and a family member decided to go down a new venture and purchase 3 or so cars from a car auction.

 

 

We turned up in person and paid them in reception for a few cars.

 

 

We arrange a recovery guy to collect them and drop them at our desired locations.

 

 

1st car collected and dropped off fine.

2nd car the recovery guy calls me and says his truck cannot handle the weight of the vehicle

so he will have to skip that one and do the last one which was delivered fine.

 

Straight away i have called the auction company and told them is the particular vehicle out the front they said yes,

i said can i keep it there until i arrange someone to collect it.

They said yes how long.

I said maximum 2 days,

they said yes thats fine we'll leave it there no problems.

 

The next day i have called them to get a quote for them to deliver the vehicle themselves

as i was having a nightmare finding someone who would do the job at a reasonable price (quotes were £100 for 22 miles!!!)

 

 

the auction company said it would cost about £35,

i said fantastic the car is out the front of your offices

please double check and i'll go for that.

They said fine they'll locate the vehicle and call me back to sort it out.

 

I got a call back saying there is no vehicle there.

The vehicle is not out the back (with the other 1000 or 2000 other cars they have)

nor in the front where the recovery guy i used said the auctions staff parked it up next to reception.

 

I have literally called them 4 times a day as they never call me back when they say and they have yet to locate the vehicle.

 

 

On their systems it is showing as being released

(because

1. i paid for it and

2. the recovery guy i used initially gave the paperwork/receipt for the vehicle to the staff member

who located the vehicle and gave it to my recovery guy)

which then in turn said it cannot go on his trailer.

 

 

To make matters worse this auction company leave all car keys attached to the steering wheel on a string.

Apparently the yard where the vehicle was left (at the front) does have gates which do get locked..etc)

 

So could i get some opinions on this?

 

 

in the worst case scenario, some truck has come and pinched the car from the auction companies property. But

 

1. Is it my responsibility as i paid for it and initially collected it but then did not take it away (my recovery guy)

or

2. Is it their responsibility as its on their land and under their control.

 

I have not got this vehicle insured as not once have they issued me with the reg plate number

so if this is pinched the only thing i can do is turn to this auction company.

 

I hope in the next few days i can repost here and say the vehicle was located

but as its been 2 or 3 days already im really doubting the vehicle is no longer in their possession and has been pinched.

 

I am a bit lost here, help?

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Hi,

 

Others will be along more than likely now tomorrow to help as best they can.

 

In the mean time, you have paid for the vehicle so I would report this as stolen to the Police.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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From my reading of your post it does not look good, you have paid for the car and collected it (all be it a third party operating on your behalf) and then have left the car possibly with the keys still in it outside of the auction site. I don't think that the auction house would have any duty of care for the car. As the Stigman says report it stolen.

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

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Firstly, report the matter to the Police. Your vehicle has been stolen. The auction house are not liable as you have paid for the vehicle and taken control of the keys. Being in the motor trade myself, £100 is not unreasonable to transport a heavy vehicle for 22 miles. Don't forget, it's 22 miles back again for the truck. The fuel used and the driver's wages will add up to this amount. If you can find a recovery company willing to do a 44 mile round trip for £35, let me know and I will use them for my recovery work !

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From my reading of your post it does not look good, you have paid for the car and collected it (all be it a third party operating on your behalf) and then have left the car possibly with the keys still in it outside of the auction site. I don't think that the auction house would have any duty of care for the car. As the Stigman says report it stolen.

 

Good news finally! it looks like i had spent 2 days or so and spoken to 3 incompetent staff members. I now have confirmation the vehicle IS out the front still and have since put it around the back under lock and key. all sorted now! phew!!

 

Firstly' date=' report the matter to the Police. Your vehicle has been stolen. The auction house are not liable as you have paid for the vehicle and taken control of the keys. Being in the motor trade myself, £100 is not unreasonable to transport a heavy vehicle for 22 miles. Don't forget, it's 22 miles back again for the truck. The fuel used and the driver's wages will add up to this amount. If you can find a recovery company willing to do a 44 mile round trip for £35, let me know and I will use them for my recovery work ![/quote']

 

£100 is very expensive! i have since got a quote from the auction company for £27 for delivery of the vehicle in question 22 miles away which is a bargain and a huge saving compared to £100 from a local recovery guy. We also use many others for £30 to £40 (tops). In fact i paid £180 for delivery from newcastle to london almost. So yea, you need to shop around you'll get your recoveries cheaper.

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