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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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Hi all,

 

 

Question...........

 

 

I work for a company that over the last 12 months has introduced the NPS/CSAT system into my working day as follows:

 

 

I attend my employers customers households, carry out work and that's my job done but now the customer receives the NPS/CSAT via Email or txt message to respond to.

 

 

I have been told by my employer that I MUST mention this NPS/CSAT to the customer as part of my job which I do I also give the customer a card with details on mentioning this email/txt message they'll receive but.............

 

 

I have no control over what the customer does after my visit and my employer is stating I have not received enough responses to these messages so I'm being taken to a disciplinary over the lack of responses.

 

 

My work stats are 100% across the board and the only downside is this NPS/CSAT that are not forthcoming but my employer has stated that other employee's are getting over the minimum replies needed but that's because these responses are associated to a monthly bonus which other employee's rely on to top up their wage.

 

 

Therefore other employee's are stressing to customers they need these surveys or they will lose money, I don't like this way of doing things and leave it to the customer if they wish to respond or not Im not worried if I get a bonus.

 

 

Now, as far as I'm concerned I have and are doing everything I can by telling the customers and giving a card out explaining they will get the NPS/CSAT message but I don't have any control over what happens after I leave the customers house so.

 

 

Where do I stand with this?

 

 

Regards

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NPS and CSAT is:

 

 

NPS – Net Promoter Score

 

The Net Promoter Score is perhaps the most famous of these metrics – sometimes known as The Ultimate Question! The question is founded on the assumption that happy customers are more likely to recommend a company to others:

On a scale of 0-10 how likely would you be to recommend [company name] to a friend or colleague?

Responders are split into three categories:

 

  • 9-10 - Promoters
  • 7-8 - Passive
  • 0-6 - Detractors

The Net Promoter Score is a simple calculation of the percentage of detractors subtracted from the percentage or promoters. Any score over zero is a good start and the top businesses in the world would be happy with a score over 50.

 

 

CSAT – Customer Satisfaction Scores

 

CSAT is a broad term that covers many question types that all attempt to uncover how satisfied current customers are with the product, or a particular interaction they have just completed.

A typical example would be customers being asked to rate a customer support interaction or their renewal process with a question such as:

How would you rate your experience with your recent support requirement?

 

  • Very dissatisfied
  • Somewhat dissatisfied
  • Neither satisfied nor disatisfied
  • Somewhat satisfied
  • Very satisfied

The CSAT score is derived by looking at the percentage of respondents that select somewhat or very satisfied and a score of above 70% would make many companies feel they were doing enough.

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Awkward as company performance should only be based upon scores actually received so if people dont send them in you cant be good or bad!. However, in the world of unitended consequences you are being damned by ghosts.

I would look at your employment contract and see what that says and also as to whther the new rules are part of your employment terms (probably are unless you have a grading structure that is scored by reference points that would prevent this sceme being incorporated).

When I get a call out card to return I invariably dont as I usually dont agree with the wording on the questions and people like me will now damage your scores when they shouldnt be included. If you are part of a union you should get the reps to have a look at the effects of these changes and take the matter up at senior level as I'm sure the company didnt intend to use it as a disciplinary tool but are now stuck with it so feel forced to act becuase they have invested heavily in a lame duck and dont want to admit it.

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Problem is they have a target of replies and if your under that target you get talked to, threatened or disciplined.

 

 

I feel I'm being victimised by the company because they want to have world class figures and the more replies they get the better they look.

 

 

The stress I'm feeling now is beyond a joke to be honest.

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Just spoke to my union legal dept and basically they said they are within their rights, its a process and if Im not getting enough of these surveys then so be it.

 

 

They are out of my control and I'm being penalised by threatening with me loosing my job.

 

 

Not fair.

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