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    • In terms of your letter of claim, you've asked us to remove some information – but you have put it up and it's not that critical it's simply bad practice and so we will be leaving in place. It's highly unlikely that the company will stumble across this thread – and anyway no great harm done – but there is no point in spelling out in a letter of claim every detail of the evidence you are going to be relying on if it goes to court. In terms of referring to mediation, it's not up to you. It's up to them. Once again you want to play your hand before it is necessary. Do not do it. Let them make the decisions. They probably will opt for mediation as part of the court process – and then you can simply accede to that. A letter of claim is not the time to start stating this kind of stuff. You come here for advice and I suggest that by and large you follow our advice. In terms of just keeping part of the contract – the frames – as long as you are sure that another supplier would be prepared to supply the glass which is absolutely appropriate for those frames. However, I should warn you that mixing your suppliers like this can eventually lead to problems because you are giving both parties a means by which they can pass the buck onto the other party. This really can get complicated – if the frames fail and the company with which you've already fallen out, then decides to get their own back and they say it is the glass supplier. The glass supplier may well turn round and say no it's the frame supplier – and you are left in the middle and you will have a difficult problem including maybe having to pay for an independent assessment to ascertain whether liability lies. In my view its most ill-advised. You have an opportunity here to predicate your rejection on the fact that you had a single contract and the glass and the frames are supplied as a job lot and the defective glass means that the entire contract is subject to rejection. However, it's up to you. Furthermore, if the frames fail within a particular time, apart from the problem of passing the buck to the glass suppliers, you may find that the frame suppliers are quite reluctant to do any further business with you because they will have long memories. If you really think that after this litigation the frame suppliers will be prepared to continue with you and to supply the glass that you need, then you need to be very certain. Of course they may be very pragmatic and business minded and mature about their dealings and be prepared to supply you with the glass you need with perfectly goodwill and professionalism. However, you shouldn't bank on it. All it needs is one individual within the organisation start feeling that the whole thing is some kind of personal rebuke against them are you are you are you are you you are a you are you you are you are you are a you you are a you.   Anyway, that's my two pennies worth. I think you should follow our advice in terms of legal process and the letter of claim. The rest of it is to how you deal with your windows is simply a bonus for you.
    • Perfect thanks for the reply and apologies for the marker Pen, I thought I had covered it off.    So to clarify, I just ignore this letter and no response is necessary?   
    • First of all, we please deal urgently with the identity of this company. In the title to this thread they are identified as being in Letchworth. This is not correct? We do not want to start firing off accusations against some company elsewhere may be is doing its job perfectly well. Please can you respond to this urgently Post up a link to their website
    • If you scan up letters here by the way, please make sure that they are included in a single file multipage PDF. Please make sure they are all in the correct order, the right way round, and not simply minuscule photographs. You can't imagine the kind of stuff that people put up here when they realise that they're not paying for the advice!
    • Think you've got the wrong Crystal there Slick132...it's Crystal Clear Group Ltd. There's a lot of companies with Crystal in the name!   I agree could take out the struck through part about evidence, although they already have it all already, but I think I need to leave the part about mediation/ADR in, it's important to show I'm open to these, that and the next line came from a template letter before action.  Have asked for that post to be removed via the report button, just in case, the rest of the thread can stay!         The frames are fine, no reason not to keep them, though I could reorder frames from somewhere else it'd be easier to keep these ones as I then already have the measurements for the glass (which I've double checked). I will be asking that question tomorrow though. I have found another supplier I'd be happy to use at around the same price. Glass at the mo is stored mostly upstairs, it's a bit inconvenient as it takes up a lot of space, but no losses as such.  
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CREDITFIX refused homeless friend an IVA on £100k of debts mostly owed to DCA's


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probably simply talking about the application to do an IVA managed by  them.

 

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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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Christ, they did him a massive favour not accepting him for an IVA. It's like using a JCB to crack a nut in his situation. Totally innapropriate.

We could do with some help from you.

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There will regret it when they start to understand that the OP has started to take control and that most of the money won't be paid.

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I have only been helping him since Creditfix     and the IVA,  so nothing of his comes here, I only helped as I have a computer and he is pretty useless

 

I have enough to sort out of my own atm,, 

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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1 hour ago, London1971 said:

 It's like using a JCB to crack a nut in his situation.

 

That depends, we don't know for certain that 90% of the debts can be written off as dbx states, that's supposition. If he wanted to apply for insolvency and keep his HP car, an IVA may have been the only option.

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he needs the car  to get to and  from work Will, and to see his step daughter and her children, he could not  go bankrupt   , one reason no money to go bankrupt and  he said rather go for an IVA ,DMP or any other option.

 

He has  had car 2 years and  got about 3 years left on it  far as I know

 I honestly do not know what he is  going do, he only get the living wage even though he works long hours,  no extra for overtime and weekends, , he is a delivery  driver,

I will do my best to keep you updated, do not think he has heard back from Creditfix 

 

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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good stuff 'em

just ignore every debt with a dca and stop paying it.

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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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Posted (edited)

Forget about Creditfix and an IVA, his creditors voted against it.

 

"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."

 

It's a poorly written email as it can be misconstrued without further explanation. The outcome was that creditors rejected Creditfix's 'approved' IVA application. Even so, as he'd already failed a DMP, maintaing payments towards an IVA could've proven difficult for him but he might have shoehorned himself in to an IVA so he could keep the car and eventually write off the debts.

 

While DCAs have no power of enforcement, I disagree that it's nothing to worry about. The IVA proposal is an admission of liablity so unless the debts are already statute barred, there is now six years for creditors to make a money claim against him which would be the next step if they continue to pursue.

 

He can wait around and then try to challenge any money claim or he can actively challenge liability for each debt beforehand which could have some success. A successful money claim would result in a CCJ, and he might already have some CCJs against him so he's vulnerable to an attachment of earnings order unless he's self-employed. He's also at risk of a bankruptcy petition being filed against him.

 

How much is the car worth and how much is left to pay on the HP agreement?

Edited by Will Goodfellow
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no sure how much car is worth, it  is on 2010 plate , Subaru Forester XC BOXER D ,  got about £3k left on it to pay

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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Does he earn a good amount ?  I think you said, he paid for a hotel out of his own money, which must be very expensive, so once he pays for this accommodation, there is not much left ?

 

Might be worth looking for cheaper accommodation and to try to save up some money, just so he has more options.  Can he rent a room in a shared house somewhere ?

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We could do with some help from you.

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hi Uncle, he is  still in the hotel, costs him £220 a week, all he gets is breakfast, he has tried to find somewhere else, even went to the council, said he was homeles but they did not want to know.

He gets  just s the living  wage    for hourly rate, he is contracted for 45 hours, often works  lot more, the first week back  at his work he did 62 hours.

 

He has been looking but   most places need a bond, or a  deposit  or  a months rent up front and sometimes all 3! 

 he  pays £120 a month for his car, he is 60 years old

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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and doesn't need stupid IVA's over 99% unenforceable consumer debts own by DCA's i bet most of these debts go back 10's of years too!.!!

shame he is of the age whereby he would of morally of always been told and wanted to settle debts.

thats so wrong in todays world. thats now DCA got greedy

 

has he asked shelter if they have a list of places that don't need an arm and let deposit etc.

 

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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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Some of these debts might be so old that a CCJ has been issued and is now off the register. 

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We could do with some help from you.

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

 

If you want advice on your thread please PM me a link to your thread

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So the hotel rent and car repayment add up to about a grand a month, with only about £100 or so to live off per month ?

 

That is no way to live for any length of time. Think he should get advice from housing charity Shelter ASAP. If he could get somewhere to rent for say £500 per month, then he can save a little, so if car needs repairing  or he needs anything essential he has money available.

 

I think the debts are the least of his worries. He has no ability to pay these. The debt owners probably realise this and they are most likely listed as uncollectable.

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We could do with some help from you.

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

 

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

 

If you want advice on your thread please PM me a link to your thread

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also  has car tax £22 a month and insurance which is quite high £53 a month, he said he will shop round   when it is due for renewal which is December, plus  has to buy food.

I am sure he is going to view  somewhere over the weekend  but not sure as he is on call on Saturday.

I am not sure when  he will contact me again but I will  show him all the information here, I do know when he was on furlough he was only getting  around £200 a week.

 

 Thank you to all who have helped etc

 

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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He should ask council about discretionary housing payments based on his current situation.

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We could do with some help from you.

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

 

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

 

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  • 4 weeks later...

What happened?

Did he manage to resolve it?

 

I am interested in the part where creditfix said he was approved, but he wasn't.

 

If you apply for an IVA and it is rejected, does that put a bad mark on your creditfile?

 

My friend recommended an IVA to me, although my debt is nowhere near as much as your friends.

I was going to use a free IVA advisor , who say they will tell me which companies will approve me for an IVA before I apply, but if they say one and I apply and it is not approved, will this have negative consequences?

 

My credit score is already 'poor'. 

 

Thanks!

 

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19 minutes ago, QueenQ said:

What happened? Did he manage to resolve it? I am interested in the part where creditfix said he was approved, but he wasn't. If you apply for an IVA and it is rejected, does that put a bad mark on your creditfile? My friend recommended an IVA to me, although my debt is nowhere near as much as your friends. I was going to use a free IVA advisor , who say they will tell me which companies will approve me for an IVA before I apply, but if they say one and I apply and it is not approved, will this have negative consequences? My credit score is already 'poor'. 

 

Thanks!

 

 

You are welcome to ask for advice here – but please would you start your own thread. Also, please don't spam this forum with links to credit advice companies.

We'll be very pleased to help you though – if that's what you need

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click create in the top red banner

 

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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