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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?   
    • 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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AA and Halfords breakdown stitch up!


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AA have a set up with Halfords for breakdown repairs.

AA diagnosed my partner's car as having suspected blown head gasket and towed to Halfords.

Halfords charged for diagnosis, diagnosed other problems (not head gasket), quoted for these, fixed these and sundry minor issues.

They then came back and said head gasket had actually gone and repair costs have doubled!!

If we'd known this, we would have scrapped car.

A local garage has told us Halfords are renowned for charging for unnecessary and minor issues.

We feel this is deliberate tactic by Halfords to fix secondary issues before informing customer of true nature of problem / repair costs to inflate repair bill.

We are especially annoyed as this is the SECOND TIME the AA has diagnosed a problem at the roadside and Halfords have ignored them, only for it to be revealed that the AA were correct.

The AA needs to stop using Halfords as their preferred garage. They are either not honest or incompetant.

Halfords needs to keep their customers informed if their diagnostics cannot diagnose the suspected problem highlighted by the AA

Halfords should not be carrying out unnecessary secondary repair work prior to main issue being diagnosed and quoted for.

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Same old, same old.

You take the car to a garage, especially big brands and main dealers, and all of a sudden you have a scrap of a car which is dangerous to drive and needs thousand of pounds spent on it.

On top of that you have the usual suspects blown bulbs, brake pads and discs, tyres, wiper blades, clutch adjustment, fluid top ups and spark plugs.

Not long ago a friend was told by ford that he needed to pay £2k for his 3yo Mondeo for essential and dangerous faults.

He signed the disclaimer, went to an mot centre and passed the mot without any advisory.

Ford ho is investigating apparently (not).

And some people on this forum still defend them.

Pathetic!

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Aye, same old, same old...........................

 

Ford wouldn't say that to a 'customer''. Ford manufacture vehicles.

 

Ford Dealers interface with customers. Post your friends experience, what was the 2K for? Which Dealer etc.

 

I'm sure we can help your friend.

 

H

44 years at the pointy end of the motor trade. :eek:

GARUDALINUX.ORG

Garuda Linux comes with a variety of desktop environments like KDE, GNOME, Cinnamon, XFCE, LXQt-kwin, Wayfire, Qtile, i3wm and Sway to choose from.

 

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Aye, same old, same old...........................

 

Ford wouldn't say that to a 'customer''. Ford manufacture vehicles.

 

Ford Dealers interface with customers. Post your friends experience, what was the 2K for? Which Dealer etc.

 

I'm sure we can help your friend.

 

H

 

Same as when I asked advice for being almost ripped off by Toyota making false statements that my nearly new car was basically a scrap.

I was just inundated with abuse and being told that if Toyota says that 8k miles tires are illegal I must trust them even though ats (tyre specialist) said tyres were absolutely fine.

So what's the point of posting anything related to main dealers when there are strong fans of them (or maybe dealers themselves under cover).

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It's not abuse, its fact.

 

So then, again, just to clarify, Toyota didn't rip you off, they are a manufacturer.

 

You went to a Toyota Dealer, who, apart from a paper agreement, has little to do with Toyota. There are other Toyota Dealers. If you were not happy with one, change, just as you would do with the local shoe repairer. Who was the Dealer?

 

Posters on here have always had difficulty separating manufacturers from dealers, its really is not hard to understand.

 

H

44 years at the pointy end of the motor trade. :eek:

GARUDALINUX.ORG

Garuda Linux comes with a variety of desktop environments like KDE, GNOME, Cinnamon, XFCE, LXQt-kwin, Wayfire, Qtile, i3wm and Sway to choose from.

 

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It's not abuse, its fact.

 

So then, again, just to clarify, Toyota didn't rip you off, they are a manufacturer.

 

You went to a Toyota Dealer, who, apart from a paper agreement, has little to do with Toyota. There are other Toyota Dealers. If you were not happy with one, change, just as you would do with the local shoe repairer. Who was the Dealer?

 

Posters on here have always had difficulty separating manufacturers from dealers, its really is not hard to understand.

 

H

 

I know what you say, but if a garage is luring customers in by using a certain brand, the brand owner should take some responsibility.

In my case Toyota ho contacted the garage and asked questions about trying to rip me off.

I suppose that if a garage kept on receiving complaints, the manufacturer could eventually decide to strip them of the pleasure of using their name, as any franchise.

The abuse I received was just that, no facts.

The fact was that they wanted to charge me £300 for new tyres because mine were illegal and dangerous.

I took the car to Ats tyre specialist and the confirmed that tyres were just about half worn, legal, safe and with lots of life in them.

That only proves that they tried to rip me off.

In fact when Toyota got involved they backtracked and said it was only advice.

What about the disclaimer they wanted me to sign stating that the car was unroadworthy???

Thieves.

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  • 2 weeks later...

Here we go again, King, is/was your Toyota a genuine import or a grey import as when I worked for a Prestige German manufacturer I often came across the same situation when we advised the tyres were not approved for use in Europe and this hadn't been explained properly by the Service Advisors who tended to be pretty females who couldn't explain the difference between a con rod and a piston unless high on prosecco in a night club let alone any rubber parts!!

 

 

It's a real nightmare for manufacturers and dealers at the moment as they don't want to pay aftersales people decent rates!

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Here we go again, King, is/was your Toyota a genuine import or a grey import as when I worked for a Prestige German manufacturer I often came across the same situation when we advised the tyres were not approved for use in Europe and this hadn't been explained properly by the Service Advisors who tended to be pretty females who couldn't explain the difference between a con rod and a piston unless high on prosecco in a night club let alone any rubber parts!!

 

 

It's a real nightmare for manufacturers and dealers at the moment as they don't want to pay aftersales people decent rates!

 

Import?

The Toyota was first registered in UK , so no import whatsoever.

The hard fact is that they backtracked once I exposed their con.

They scare people with their disclaimer that they want you to sign to take your own car away when in fact there's nothing wrong with it.

There's no excuse for saying that tyres are illegal when they're not, whatever way you want to turn it around.

And this without mentioning the split wiper blades, buckled discs, loose exhaust and blown bulbs which are classic "not under warranty" items that somehow manage to break as soon as you get to the dealers yard.

I understand you want to defend them (or yourself?) but they have a reputation for a reason, people don't just wake up one day and start fabricating allegations.

Those are facts.

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Hammy, with your superior knowledge, could you please explain to us mere mortals why you keep hammering that company X,Y or Z "just manufacture vehicles". This gives the impression that once a vehicle leaves the factory the manufacturer has no further responsibility for that vehicle. There also seems to be some ambiguity as to the relationship between maker and main dealers. Your posts also make it unclear who gives the warranty for such vehicles.

The reason I mention the latter point is that the public frequently see nearly new cars offered for sale and advertised as "With balance of manufacturers warranty"---so what precisely is the situation.

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Oh crikey, how long have you got?

As an example, a poster on here states 'I took my Fiesta to Ford because the widget no longer bleeps' The fact is they took it to a Ford Franchised Dealer who happens to have sold that car or similar ones. Your friend AC (RIP) is a Main Dealer for many marques, AC do not manufacture any cars, ie Citroen.

 

In simple terms, once a vehicle has left the factory they do not have any further responsibility for that vehicle. I've explained before on here, and to you, that the Warranty pot is filled and topped up with a small percentage of the vehicles purchase price. The responsibility for completing repairs under warranty lies with the manufacturers Dealers who charge the manufacturer when they repair a vehicle under warranty.

 

The manufacturer gives the warranty, the dealers implement and administer it.

 

The balance of a warranty is just that, if a vehicle has a three year warranty and it is sold at two years then it still has one years manufacturers warranty to go.

 

In reality it is much more complicated than the above but it's 11.15pm and i'm tired.

 

H

44 years at the pointy end of the motor trade. :eek:

GARUDALINUX.ORG

Garuda Linux comes with a variety of desktop environments like KDE, GNOME, Cinnamon, XFCE, LXQt-kwin, Wayfire, Qtile, i3wm and Sway to choose from.

 

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Oh crikey, how long have you got?

As an example, a poster on here states 'I took my Fiesta to Ford because the widget no longer bleeps' The fact is they took it to a Ford Franchised Dealer who happens to have sold that car or similar ones. Your friend AC (RIP) is a Main Dealer for many marques, AC do not manufacture any cars, ie Citroen.

 

In simple terms, once a vehicle has left the factory they do not have any further responsibility for that vehicle. I've explained before on here, and to you, that the Warranty pot is filled and topped up with a small percentage of the vehicles purchase price. The responsibility for completing repairs under warranty lies with the manufacturers Dealers who charge the manufacturer when they repair a vehicle under warranty.

 

The manufacturer gives the warranty, the dealers implement and administer it.

 

The balance of a warranty is just that, if a vehicle has a three year warranty and it is sold at two years then it still has one years manufacturers warranty to go.

 

In reality it is much more complicated than the above but it's 11.15pm and i'm tired.

 

H

 

All well and good, everyone knows this.

What we don't know is why you defend main dealers who clearly and arrogantly rip off people.

They think that because they use the manufacturer logo they can con people left right and centre and get away with it, inflicting fear with their fake diagnosis and useless disclaimers.

Unfortunately for some stupid reasons car buyers think that a full service history from main dealer is better than that of an independent garage and the price reflects that.

So I for one, am forced to go to a main dealer because I don't want to lose value on a fairly new car that I'm gonna sell soon.

Main dealers know this and use dirty tricks to rip people off.

Fact!

I'm sure that there are a couple of honest main dealers out there, maybe in small villages in the countryside, but I haven't come across any of them in London.

Looking at motoring forums, the majority of dealers act almost criminally (maybe not almost).

And you defend them.

Fact!

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Ha Ha. You would make an ideal politician.

A rare compliment.

 

H

44 years at the pointy end of the motor trade. :eek:

GARUDALINUX.ORG

Garuda Linux comes with a variety of desktop environments like KDE, GNOME, Cinnamon, XFCE, LXQt-kwin, Wayfire, Qtile, i3wm and Sway to choose from.

 

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