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    • I have been living with my partner since 2013. But after the birth of our son in 2014 things became unstuck. We were living together but I was making plans to move out, even viewed properties etc and therefore began claiming CTC and WTC to ensure that I could afford to go it alone. Eventually we worked it out but it has been on and off for years. In addition to this, I was in a lot of debt, had lost my job and knew that (selfishly) I needed the tax credits to keep my head above water.  My partner has no idea that I was claiming and if he finds this out he will leave me for sure. The house, the bills, everything is in his name. I work but I dont make enough money to contribute to the house as well as pay all my existing debts (my partner doesn’t know about half of these either). I  once had a bailiff call at the house and I had to tell him about it. He was so angry and mortified (as was I) and I just feel like I am bringing so much shame onto our family. I have been living this lie for 6 years and I couldn’t find a way out of it. I know I have made a huge mistake. I just want to pay it back and try to move on from it. I’m worried that I will have to go to court, prison, or they will want to speak to my partner about it. I really don’t want him to know about this because it’s so shameful. From my estimations it could be between 28-30K. I have absolutely no idea how I will pay it back, as we wouldn’t be able to claim any further credits as a joint claim because he earns too much money.  I haven’t eaten or slept in days. I feel physically sick and I just can’t cope with the guilt and humiliation. I did make false claims and now I’m worried I will pay the ultimate price and lose everything I have.    
    • Hi All,   Hoping for a little help and advice please.   This company Link Financial are chasing me for a debt that I had as a credit card with Royal Bank of Scotland. Out of the blue and having no correspondence from RBS a few year back this company claimed I now owed them the sum of money. I have written in response stating I do not acknowledge any debt to Link financial and asked them to supply evidence of liability. I also requested a true copy of the alleged agreement, a full statement of account, a signed true copy of assignment and any other documents referred to in the agreement. I also enclosed  a £1 payment for the credit agreement request and clearly stated that this £1 payment under no circumstances should be set aside for any alleged debt and if the documentation can't be supplied the fee should be returned.   Link's response was just a small statement of account with credit agreement number, account number (same as the RBS number), date of agreement and transaction sheet where they had taken the £1 fee off the debt value after I asked them not to. There was no true copy of assignment, true copy of alleged agreement or evidence of liability.   For reference, In 2009 my debts started to mount after my wife I had lost a child and we weren't at work for months, so ended up paying the mortgage on a credit card. Eventually it got too much and the RBS took me to county court in 2011 where I received a CCJ and then RBS was granted a charging order on my property which is in my name only. I was ordered to pay a monthly fee.    I received my first letter from Link in 2016 just stating, we have not written to you in some time as we have had to locate your address. We would like to discuss your intentions regarding the outstanding balance on  your account. I had no correspondence from RBS about this so I thought this was a scam company.  Unbeknown to me I also realised the monthly payment to the RBS had stopped being taken directly from my account.   After a few letters backwards and forwards about me disputing Link and this debt today 26th February 2021 I have now received another letter from Link stating. As you are aware a charging order on the beneficial interest you have in the property at.........has been secured. They are now seeking payment and will accept monthly payments on the account in accordance with my current financial situation. If I chose not to settle in full or fail to complete and return the form below or contact them within 7 days they will take further legal recovery action. There is a little boxed section at the bottom monthly or weekly payments for me to fill in and send off.   I'm really at my wits end now of what to do next. I have two years left on my mortgage and finding it really hard to get through that two year financially, especially since this pandemic has really hit home money wise. The last thing I need is the family home to be taken away especially with a 10 year old in the home.    I really appreciate any help and guidance. Thank you.    
    • OK lets pick out a few words in the ramble   Free energy?  Slavery?  Constructive manslaughter?  Weaponised energy of 5g Biowarfare Only wearing medical masks for criminal intent   Please may I suggest an extra layer of foil on the tin hat?    Oh and FYI there is no class action in the UK... 
    • i thought that was the point of mediation, to show them that you think they havent got a case to go to court with? I realise you know far more about this type of thing than i do though, but i thought that not fulfilling the CCA properly - ie by not supplying t&c - was an automatic fail at court for them.   I dont know what to do now -   @Andyorchcan i have your thoughts too please   the hassle just makes you feel like giving in to them
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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CREDITFIX refused homeless friend an IVA on £100k of debts mostly owed to DCA's


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Hi

 

 I am here for a relative who does not have internet access or anything but has got himself into financial difficulties

 

 he  decided to  ask for help with Creditfix.

I was asked to see if they were licensed .   etc which all seemed above board,  they went through the options with them and Bankruptcy was offered as he owes a lot.

 

At this point he was unsure but he decided  against it as  has a car on finance which he needs for work and his house is rented through a HA which most do not like tenants  who are bankrupt.

 

Creditfix then suggested an IVA which they stated he had a very good chance of getting and make him debt free in 5/6 years, it was all explained and a creditors virtual meeting set up, they promised it would all go through but he also had to get a new bank account as his was linked to some debts.

 

He did this and spent several hours going back and forth,

Creditfix were supposed to have told him how the meeting went, nothing!

 

he had to borrow a phone to find out himself, he was told it had failed!

Some of the creditors did not play ball they said, he was gobsmacked, not one have they said sorry or anything.

 

He said his life is in ruins now, they have destroyed him, 

he want to take the matter further  and has already put in a complaint to them which they have replied to,

he asked me to help as he has no idea with computers and does not have one.

 

I do not know what else to help him,

never seen him like this,

he was so sure the IVA was going ahead,

their lack of communication is awful,

it has caused him and his partner to split up,

he informed them of this after the IVA had failed,

they are now saying that is why it failed!

 

Can he take this to FSA? or wherever,

 

sorry I am not clued up on these matter, sorry for the long post,

 

I am angry for him,

he has left a bad review on trustpilot about the company and reported them to Resolver, they not even said sorry

 

 He owes at least nearly a 100k! not sure but a lot,he tired DMP and doing it himself but tbh he is useless!

 

 

Sandy

 

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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list his debts please

 

type of credit

when taken out

how much owing

original creditor

IF DCA now Dealing and name them

 

its probably a very good thing the IVA didn't go thru as there are 1000's of cowboys out there that take and use most of your monthly payments to pay their fees and little ever goes off debts anyway.

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no idea who most are dx but try my best

Loanable or lendable  - knew nothing about this loan he said, its for over £10k

 

Vanquis loan and credits cards around £10k

 

 Luma card , not sure

 

 creditors going back years ,

he was with 123 Debt Solutions but they stopped doing DMP, not sure who he been dealing with, 

 

has defaults with BG and Anglian water, 

loads other,

 

Can not get lot info from him tbh as only comes when he needs help!

 

cabot have taken a few on and Lowell,   

am trying to find his list he gave me

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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ahh... so he has been with a fleecing DMP provider that took all his money in fees so he dumped them.

good idea.

 

send anyone that is chasing him for a loan or a card debt a CCA request snow dragon.

 

looks like we can get 90% of this written off.

 

sounds like he has been a cash cow for ages on debts he doesn't probable owe i bet

especially as fees charging DMP providers have been involved.

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok will do,  123  were  good tbh but they handed it over to another DMP , think he tried  doing it himself but is useless with money,  spends it like going out of fashion,, only thing he has  kept up payments on is his car

 

He has been getting loads letter from his creditors as Credit fix have not informed them the IVA failed

 

Barclays 83.28 N 1.00

PRA Group 837.93 N 3.04

Moorcroft Debt Recovery Ltd 746.61 N 2.73

Robinson Way & Company Limited 660.82 N 2.42

Lowell Financial 12,235.40 N 44.17

1st Credit Ltd 7,554.04 N 27.27

Moorcroft Debt Recovery Ltd 287.10 N 1.05

Cabot Financial Ltd 855.83 N 3.14

Cabot Financial Ltd 200.48 N 1.00

Cabot Financial Ltd 608.08 N 2.23

Cabot Financial Ltd 609.30 N 2.23

Robinson Way & Company Limited 66.77 N 1.00

NCO Europe LTD 883.67 N 3.23

Capital One Bank 582.80 N 2.12

Wescot Credit Services Ltd 9,251.99 N 33.74

Cabot Financial Ltd 6,765.31 N 24.80

Lowell Financial 323.92 N 1.17

Idem Servicing 170.69 N 1.00

Idem Servicing 122.30 N 1.00

Cabot Financial Ltd 626.10 N 2.29

Moorcroft Debt Recovery Ltd 248.08 N 1.00

Moorcroft Debt Recovery Ltd 86.58 N 1.00

Anglian Water 670.43 N 2.42

Moorcroft Debt Recovery Ltd 125.76 N 1.00

Lendable 10,000.00 N 0.00

Vanquis Bank Ltd 4,000.00 N 0.00

Vanquis Bank Ltd 4,000.00 N 0.00

 

sorry its all condensed,  thats how is on the paper, , far as know that is it apart from his car, he is currently in a hotel as needs find somewhere to live

 

 

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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god being cash cowed on EVERYTHING

 

just tell him to stop paying everything

 

he has no assets so no CCJ can be levied on anything.

 

end of problems.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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£62k? multiple debts from Vanquis... 

I feel a violent rage coming on... I also feel IRR Lending complaints coming on. 

But if the debts are not with the OCs then its likely he might beable to claim compo etc from the companies. 

 

It is a mess. Is he willing to engage more with you Snowdrop or come online to us?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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he owes at least  80/100k 

 

 Dont think he is paying anyone, he wants to do something about Creditfix though,

they   seem be laughing and sweeping it under the carpet, 

promised him the earth,

he thought his life would get back on track.

 

Is there anyoone who he can take the matter  to?

already  done an official complaint, 

 

got reply  from that,  load of rubbish reply, .

 

He is in a mess, recently gone back to work after being furloughed since March, 

that did not help re the split, 

then the failure of the IVA really did it

 

FK, he works full time and has no clue about computers,

I hardly see him tbh, 

 

he was trying get his life back on track with the promise of the IVA,

it is being left to me to relay things to him,

he drives for a living as he is a delivery driver so can not use phone obviously 

 

I think he wants to destroy creditfix like they have him tbh

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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creditfix did him a favour!

 

there is nothing to complain about

other than they encouraged him to blindly pay loads of debts , running the Statute barred date to infinity on debts that he most probably doesn't even NEED to pay and never did.

 

get him to ask himself this questions SD.

 

if he REALLY did owe the money

WHY did the original creditors sell the debt on for peanuts to debt collectors (typically <10p=£1) and not take him to court and CRUSH HIM.

 

he has been cash cowed blind by the system for i bet 15+yrs

any debt that is with a DCA tell him to STOP PAYING.

 

go back to his wife and tell her he made a mega mistake by going to sort his debts out as they were not owed in the 1st place.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they not get back together  dx, that was final nail in the coffin so to speak, they not really been together for many years, him being on furlough  did not help, etc, so no he on his own now

 

 Thanks all for the the help, I will pass the info onto to him, when I see him  

 

Sandy xx

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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is he the joint owner of the old home?
 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no DX, it is rented from HA, was in joint names but he left and it is now in her name only, he signed papers. 

All I know is he is in a hotel  which is costing him his wages, he went to council when he first left to say he was homeless but they did not want to know

I will keep you updated best I can when I know anything more

 

Sandy xx

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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No IVA application is guaranteed to be successful. Creditors vote at a meeting on whether to accept the IVA proposal or not, and the amount of money creditors are owed dictates what percentage of the vote creditors have. In order for the IVA to be approved, the vote must be 75% in the debtor's favour. In your friends case, it seems that there was not a majority 75% vote in his favour so the IVA proposal was rejected, it didn't fail as there was no IVA in the first place. This should have been explained to your friend before he agreed to go ahead with the IVA.

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no he was told  he was approved for the IVA, he has the mail saying so, Creditfix    said they  only accepted people who had a 100% chance of being accepted

 

He was not told  it had failed byt them he had to ask as they never let him know,  they also have not told any of his creditors it had failed so they are all now hounding him

 

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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If he needs someplace to go and can save up a small bit of money. Try getting him to use Spareroom 

He will beable to find something on there :)

I rent from a location and have been here 8 years. ITs a start until he gets himself back on his feet :)

 

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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47 minutes ago, snowdragon said:

so they are all now hounding him

 

how are they hounding him? they can't know where he is surely..

but anyway forget the debts, 

 

all the DCA's and all the so called debt management companies should be ashamed of themselves for perpetrating he needed to pay these 99% bogus debts and destroying his family. sadly they ALL couldn't careless simply to line their owns pockets and run down the pub otngo on holiday with his free money. none of it goes off the debts anyway.

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to CREDITFIX refused homeless friend an IVA on £100k of debts mostly owed to DCA's

they are sending him letters to his previous address and  messages to his works phone,  he has tried loads places  get his own place but most want  huge deposits and rent in  advance which he aint got. He  wants a flat,  he said, not much going for under £400 a month 

 

 

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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what does he deem as 'works phone' - a mobile his works provides him?

previous address i will assume is the old matrimonial address?

 

try getting him to talk to shelter

they have lots of contacts.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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In sure he does want a flat but needs to be realistic for now.

Even if its for only a Year. Its a roof over his head and something a bit more stable... 

 

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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told him that fk,

dx, his work provide a phone so they can keep in contact with him, I have tried lots times help him, yes old  address is where he was living, they split up in August but been on cards  way before that

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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how did the fleecers get that number

 

about time he took control not be controlled by the fleecers. next time one of em ring tell them the call is being recorded and this phone is not to be used to ring me again, it is a works phone and not mine do not ring again or i will be complaining to the authorities that gov't you bye and hang up

 

dx

 

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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3 hours ago, snowdragon said:

no he was told  he was approved for the IVA, he has the mail saying so, Creditfix    said they  only accepted people who had a 100% chance of being accepted

 

That in itself is worthy of a complaint as Creditfix cannot give a 100% guarantee that an IVA will be approved, it is up to the creditors to accept an IVA proposal or not. Creditix may have approved his IVA application with themselves but not with the creditors. Do you have a copy of the email?

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It’s good news your IVA has been approved.

 

Please be advised that there is no need to worry and you will be contacted accordingly regarding the outcome.

 

The one email  saying  they only accept people with 100%  chance came up saying  can not be shown on desktop on on mobile, I  am searching through as  most was done through my computer for him

 

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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so you've actually been dealing with him for quite a while then.....

why don't you do him one big favour and allow him write to everyone notifying them of your address for all future correspondence. 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So the IVA Was approved by CreditFix - but the wording was "Approved by them" but had not been agreed with the Creditors at that point? 

Thats incorrect handling of a Legal Process right there.

 

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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