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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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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Help with HCEO PRE new rules & charges please


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I sent them a copy of the writ and asked if it was still valid. Then I replied explaining I am the defendant and asking if it is still valid and they replied with writs are usually valid for 12 months but can be extended before they expire. Speak to CAB

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I usually find the enforcement section helpfull & don't understand their response. I would have sent them the Writ No only and asked when it was obtained & if it has been renewed. The only other course of action is to ask the HCEO although to me it appears you are being frustrated at each turn.

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I usually find the enforcement section helpfull & don't understand their response. I would have sent them the Writ No only and asked when it was obtained & if it has been renewed. The only other course of action is to ask the HCEO although to me it appears you are being frustrated at each turn.

I couldn't work out what the writ number was, there was only a case number

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If you have a copy of the Writ to hand then in the top right hand side it should say something similar to:

"In the High Court of Justice sent from xxxxx County Court" and will have a reference number, are you sure you just do not have a copy of the CCJ which may be headed:

"Judgment for Claimant" top left & 2 or 3 boxes on the right hand side giving Ref No, name of County Court.

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Here's some examples:

 

County Court Judgment - http://www.debt-advice-uk.com/wp-content/uploads/2012/09/Judgment-for-Claimant.jpg

 

High Court Writ - http://www.johnnydebt.co.uk/wp-content/uploads/2012/04/Notice-of-Seizure.jpg - most companies use their own versions and what you may have is different to this but the top right of the paage shows what you should be looking for.

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You are going to have to contact the HCEO and ask them for the Writ No then. There seems to be a pattern of Enforcement Co's withholding relevant information from debtors, seems as if their call handlers are being economical.

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The HCEO has a duty to give you the information you require and should do so without protest.

 

Only if the matter is post April 2014 and falls under the new TCoG regulations could it be extended in that manner and given the fees you have listed this is not one of those cases.

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I asked that exact question and was told it applied to all outstanding writs even those issued prior to the new rules

 

To the best of my knowledge ...a writ issued before the change in the rules would need to be renewed every 12 months and as Hceo's has already stated, the fees being charged to your writ suggest this is not the case and the writ would need to be renewed yearly.

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It might appear that they don't want to go to the bother of renewing the defunct writ, and like a politician will lie hoping that if they keep lying through their teeth you will think it is the truth.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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HI Thank you, I'll try that avenue. I can't reply to your PM as you have too many messages

 

Thank you, message box now emptied again.

 

You do not have enough posts helpplease to reply to PM's, if you do need to contact wonkeydonkey then you can do so via myself.

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  • 1 month later...

I am after some more help I'm afraid. I have been paying them for about 18 months and have paid around £450. The bailiffs told me they had paid the creditor £200 but I have found out from them that they only received £100 in may this year. I understood there were rules about how payments had to be "divied up" can anyone clarify what they are?

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Pre April 2014, most HCEO's had agreements with their clients on the way the sums recovered would be split. This will probably account for the differences you've been told. I would add, that some clients have a minimum pay out amount meaning that they are only paid when the sum reaches a certain amount. This varies from client to client and may also be a factor.

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