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    • The only way to verify whether there is any financial reward for the management is seeing the agreement. That would be required during disclosure IF court proceedings went ahead... Unless you could bring pressure to bear and get a copy?
    • 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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HELP! needed regarding coming of JSA, Ingeus and Housing benefit run on


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Hello all,

 

I have been claiming JSA and have been referred to Ingeus just recently so far i have avoided signing any paper work as to not fall into their trap.

 

luckily enough i have now found a job that i am due to start so i need to stop my JSA claim however as i will be paid monthly i would really need the housing benefit 4 week run on for help with rent and c.tax.

 

what is the best route for me to go as i really do not want INGEUS contacting my new employer as it is rather annoying plus i haven't signed anything so dont feel it is fair if they did.

 

can i tell the job centre that i have simply just found a job without giving them the actual details? and give the local council details of my job in order to get the run on or will the council tell the job centre my details and they then pass it on to ingeus?

 

any help is much appreciated.

 

thank you.

 

Dean

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You do not have to tell the DWP anything when you close your claim. A simple "for personal reasons" is sufficient should they ask. The L.A. may not be as easy. You could insist that they do not pass on the information to the DWP or any subcontractors, but I don't know how effective that would be.

 

As for Ingeus contacting your new employer, if you haven't provided consent, they should not be making any attempt to do so. You may get some desperate pleading letters and/or phone calls: If you do, remind them that consent is not given and they have no legal rights to ask for details.

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The L.A. may not be as easy. You could insist that they do not pass on the information to the DWP or any subcontractors, but I don't know how effective that would be.

 

The law allows LAs to share information relating to benefit administration with DWP, so personally I would not even try insisting.

 

I doubt the DWP would even think of asking LA in a situation like this, but trying to insist to LA might backfire and result in LA telling DWP.

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The law allows LAs to share information relating to benefit administration with DWP, so personally I would not even try insisting.

 

I doubt the DWP would even think of asking LA in a situation like this, but trying to insist to LA might backfire and result in LA telling DWP.

 

OK thanks for the replys. So best route is to just tell the jsa I will be starting a job without disclosing information on who it is and also mention to them I do not wish for my information to be shared although there is none to share. I never signed anything at ingeus so they shouldn't cause any bother. However I do need a 4 week run on to help me get on my feet.

 

Thanks again for the help.

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Ingeus will HOUND you if they have any contact details for you mind. They are still attempting to contact my partner even though he signed off a year and a half ago. They have been told repeatedly that they have no right to know his details and such just so they can claim their bonus for helping him (when they didn't) but yet they were calling every day. He changed his number to avoid them and now they send weekly letters saying he must get in touch and stills end him appointment dates too. They send letters both to our home and to his mothers home (he lived with her for a brief period while we were having problems) despite him actually contacting them to say he hasn't lived there for ages so please stop sending correspondence there because its worrying his mother who is on ESA (but still required to visit ingeus...) and worried his refusal to go to appointments might impact her in some way

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They send letters both to our home and to his mothers home [...] and worried his refusal to go to appointments might impact her in some way

 

If he has already sent them a cease & desist letter, it is time to escalate the issue higher up. First step would be a formal complaint via the DWP either through your local MP or directly to the local office. Should these letters be causing distress, it might be worth contacting the police and filing a complaint using stalking & harassment legislation.

 

If Ingeus are stupid enough to harass the mother as a direct result of these letters being ignored or complaints being raised, it opens the door for further action on your part. if funds allow, perhaps as far as legal action through the courts.

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He hasn't sent a cease and desist letter, he contacted them over phone (which sicne reading this forum..appears to be the wrong thing to do in every circumstance)

 

Ingeus system has apparently been updated (twice) to both remove his mothers address and stop the letters coming to ours but nope..

 

His mum has sent them back as not known at this address and the letters still came.

 

We just bin the appointments when they come here. One of them, we had a bit of a laugh at as it mentioned sanctioning him if he didn't turn up for an appointment, this was around a year after he signed off :D They just want details of his new employer so they can claim they found him the job and claim their bonus IMO.

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Also, I don't think giving the jobcentre your new details would mean they were passed onto ingeus..surely the jobcentre wouldn't pass them on, just for ingeus to claim they found the job for you?

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Also, I don't think giving the jobcentre your new details would mean they were passed onto ingeus..surely the jobcentre wouldn't pass them on, just for ingeus to claim they found the job for you?

 

The Jobcentre and WP providers such as Ingeus are part of the same data chain, and the JC can quite legally pass on any information you give them to Ingeus. So if it is important that Ingeus not find out where you are working, you'd be best advised not to tell the JC either.

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