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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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Criticism as £30-a-week disability benefit cuts go ahead


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I think either your relatives are meant to look after you (which isn't going to work for folks like myself who doesn't have anyone in the world) or just go into a corner and die. And be quick about it too.

 

Remember if you can't work, in their eyes you're just a drain on their resources.

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ok maybe it will

 

http://www.dailymail.co.uk/news/article-3488644/Now-disability-benefits-bill-slashed-1-2billion-Affected-people-include-640-000-need-help-getting-dressed.html?ITO=1490&ns_mchannel=rss&ns_campaign=1490

 

Now disability benefits will be slashed by £1.2billion: 640,000 who need help getting dressed set to lose Personal Independence Payments

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surely it wont happen its too despicable (the reduction of pip or the abolishment of ESA support group) ....also lets not forget the very recent MPs pay rise again even after the 10 per cent rise recently...

 

I'm not so bothered about the MPs pay rise (although I don't approve of it). What really upsets me is the idea that this benefit cut may be used to fund a reduction in the higher rate of income tax.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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They may just hold off on more benefit cuts until after the in/out referendum,and just borrow some from the EU ,to give the well off tax cuts, if we remain in, which the Tories want they would hit the poor /disabled later, there again this government like the last labour government are anti poor and anti sick disabled, surely that is discrimination against us? can we not claim this is against our human rights?

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That is only about PIP and the clown Osborne's budget decision to cut that too nothing about ESA being cut by £30 per week for new ESA claimants who meet the criteria for WRAG who will be no better off then they would be on JSA don't see the back bencher's kicking up a fuss about that they should be changing their minds about both cuts

 

Though one thing about PIP it isn't means tested you can be working and still get it

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I'm currently on ESA and will be coming up to the 13 week mark soon. I got caught in their raising the pension age trap too so I am doubly stuffed at the moment.

 

If I go back to work after neck surgery on my dodgy discs chances are I won't earn enough to get a decent pension out of the employer.

 

If the government were that evil they would turn round and offer voluntary euthanasia as I 'no longer serve any real purpose'. That is what will happen in the distant future if the current government remain in power for another term or two terms.

 

I didn't choose for my neck to go wrong, the main thing to prevent it going wrong in the future is to have surgery now whilst I am still relatively young and fit...and hope that it doesn't go again.

 

Living on £73.20 a week is no joke, £10 needed per week for fares, £20 put away for future bills, eg phone, electricity, council tax, and then you are left with £43.20 for food and other essential items. It isn't exactly 'money for nothing' when I have paid into the system since I was 16.

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I dont think these silly people who bring in all these daft ideas and new rules concerning the disabled and ill ,relize just how hard it is when you are in temendous pain every day with Arthritis . Just a bit of strenuous activity starts a flare up.

It really annoys me with this cruel and heartless goverment.Would love to see i.d.s , d.c and g.o in my shoes ,and lots of others in the same position for 24 hrs,see how they like it..

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The problem is they never will know whats it's like...ever. They're too rich for that.

 

Also we're all responding to this like real human beings, whilst they're all psychopaths with all the lack of empathy that comes with it.

 

They know full well what their policies do, but they just don't care, knowing that the demographic they're dealing with wouldn't vote for them anyway.

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I really dont belive for a minute that the real reason i.d.s has resigned was because of the unfairness of the disability cuts .He has been for all the welfare cuts all alone,wooping in parliment.Shame on them all!

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I really dont belive for a minute that the real reason i.d.s has resigned was because of the unfairness of the disability cuts .He has been for all the welfare cuts all alone,wooping in parliment.Shame on them all!

 

I think you're probably right, more or less. My guess is that the cuts actually are the true reason he resigned, but not because he thinks they're an unconscionable attack on the disabled. It's more likely to be political wrangling between him and Osborne.

 

See, what's always worried me most about IDS is not that he works for the benefit of the wealthy - all Tories and most New Labour people do that. It's that he actually believes what he says. He really does want to rebuild society in the manner suggested to him by the voices in his head. He truly believes that all you need to do is cut benefits and, as if by magic, all those people will get themselves jobs and break out of the "welfare trap". Now along comes Osborne, who's basically just a cynical toff, slashing away at a relatively small budget line item, an action that any fool can see will be unpopular. That wouldn't have played well with IDS, who has worked hard to demonise the "skivers". But it's hard to paint people who need hoists, incontinence pads, wheelchairs or whatever as degenerate layabouts suckling on the public teat. IDS knows this. Osborne probably does too but, as I said, he's cynical. He just doesn't care.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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