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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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I have to make a decision on how to clear all this financial mess that I have got myself into and woul appreciate any guidance from the group.

 

I have approx 52k of unsecured debt and was in a dmp but it recently fell behind.

 

Another company (payplan) are advising that my best solution is to enter a iva.

 

I have a mortgage which is up to date and approx 23k in equity.

 

If i enter the iva would they make me give up he equity in the property and also could i lose my home or be forced into bankruptcy if the creditors don's accept the iva proposals?

 

Thanks in advance.

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If your DMP failed then an IVA will be at risk too. Why did you DMP 'fail'. Once in a DMP if you need to reduce the amount you pay then that what's you do. You will need to give more detail including history of these debts.

:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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Thanks for your reply, I was in a relationship when i took out the dmp and then after about 2 years i broke up with her, struggled financially for a bit and then foolishly took out payday loans thinking i could pay them back. they started to spiral and i couldnt keep up the payments on the dmp. i regret doing that and now looking for best way out of this if i get a chance to pay back but confused as to est way forward.

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Hello there.

 

Should you decide upon an IVA please be aware that it is highly likely that there will be an equity clause. This means that would look need to try and remortgage towards the end of the IVA to release some of the properties equity to be distributed amongst the creditors. If a remortgage is successful you will have to pay a higher mortgage instalment going forward. If a remortgage isn't possible the IVA is likely to be extended by a further year. As others have already mentioned you need to be sure that you'll be able to meet the instalments, an IVA is a binding arrangement and can be tricky to modify should your circumstances change.

 

Here is our fact sheet with a little further information: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=26_individual_voluntary_arrangements

 

Best wishes,

 

National Debtline.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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  • 2 years later...

I have a call with one of the free debt help companies this week to discudd my finances and suggest possible solutions.

My finances are out of control and need to do something

 

Some of unsecured loans have been secured by charging order on my property which is mortgaged.

 

My unsecured debts are high ( approx 50k) and secured excluding mortgage is 15k

 

I have heard that you cant include secured loans in a dmp or an iva so if the company advise an iva /dmp what woul stop these other companies trying to secure all their amounts too?

 

Also, many of my debts have been moved from one company to another but have noticed Natwest have not sent me any reminders or chased payment in over 2 years. Also , they are not showing on my credit report as default payments. Is this a good thing? :)

 

Any advice is appreciated

Thanks!!

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  • 4 years later...

Hi there,

 

I am currently in a 5 year IVA and completed 3 years so far

 

Appox 30% of IVA was payday loans and I am now seeing many ads from no win/no fee companies claiming that they can get back not only roll over interest but more compensation too?

 

 

Please can you advise if this is a good thing and also if its possible to do this while an iva is active?

 

Thanks

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Nope. You can do it yourself without using ambulance chasers who want 30% of the reclaim. And if the reclaim isn't a good amount they'll tell you there's nothing to claim? Also did you go into the Iva without actually checking the debts first?

 

Sending Sars, cca requests etc.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for the reply.

Yes I contacted PP and they guided me through the process but I was anxious at the time to get a deal in place so did not check items you mention.

Is it too late to do that?

I did mange to get some ppi back but that was offset against iva balance

Thanks

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cancel or default on you IVA

 

read this guide

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?472423-CAG-PDL-Reclaim-Guide-Indepth-Step-By-Step

 

and also get CCA requests off to all the other debts inc in the IVA..

 

sorry you've probably been [email protected] by everyone inc the IVa provider

 

tell us more of the story and about your other debts in the IvA

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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  • 10 months later...

Dear all
Please can you help me with some advice/ tips?

I have a history of large credit debt, ( many credit cards, consol loans, payday loans, ) and following a failed dmp, I entered into a 5 year iva (equity clause applies)

The iva is large 73k is the total debt and so far only 63k is proven.
The iva proposed that I pay 81p in the pound and this was agreed.

In Jan of this year I had paid 32k but was made redundant in Feb & paid the windfall demand of 19k , so now have paid in approx 53k

Unfortunately, due to stress from previous job & debts I am looking for another job but my health has taken a turn for the worse and I'm having to have treatment.

I contacted my iva firm to ask if its possible for F&F settlement and so far they have given me 3 different amounts of what is left to pay ( 7k, 16k & more recently 50k? and that my payment to creditors had increased to 100% due to my redundancy) I queried the 50k stating that this would mean total has exceeded my original debt by 27k?.

Additionally I have been in contact with the FOS to ask if its possible to claim refunds on payday loans (30% of my iva balance) and they advised that it was although my iva firm did not advise me this on joining.

 

Also, FOS have said its also possible to claim irresponsible borrowing from cc firms too if they had checked properly that I could afford to pay the credit back.

Is it too late to start these reclaims & also would any refund be classed as a windfall and go to my iva? If debts are wiped out by creditor would this reduce the original total of my iva and mean less to pay in?

My other thought was to maybe see if I can get a F&F agreed & then reclaim afterwards.

Sorry its so much info but any advice is much appreciated

Thanks

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do it anyway on everything.

yes it will all goto reducing the IVA balance

its a shame you entered into the IVA esp as all you debts are consumer related

 

we have an IRL guide if you need it

 

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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Thanks dx

 

Please could you send me the best link?

Also, if I manage to get back more than my balance remaining on iva would this mean a refund?

I'm very disappointed with iva support since my redundancy, they seem to have become a credit control team and are constantly asking for updates and payment :(

Thanks again!

 

 

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No harm in cancelling the iva....

did you CCA everyone?

paying any dca's?

 

the irl guide is in the pdl general forum

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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  • 4 months later...

Hi all,

 

I received this kind of letter too & have registered online.

Please do you know if it covers all 3 of their companies ( money shop/ payday uk & Payday express) , unfortunately I was victim to all 3 at some point.. :(

Also, am currently in an iva and MS is included, do you think I could stop paying & ask my iva if that's feasible ?

 

Thanks in advance

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I thought you were dumping the IVA?

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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Hi DX100uk

 

Thanks for your message and also that you remembered my issues

 

I am still in iva but not paid them for 3 months.

 

After my redundancy in Mar I had to pay them 18.5k and thought I was close to ffs but they advised that due to redundancy payment treated as windfall (lol) they were changing the due amount from 81% to 100%

 

I did find another job after 6 weeks but am on probation for 6 months but its not going well as I am stressed from iva and new job.

 

The doctor has signed me off for 2 weeks with anxiety & referred me to a councillor, also written a letter for me to fwd to iva asking they allow me to settle early.

 

So far my original debts were 74k but proven debt was 61.5k 

 

With my payments to date (including redundancy) I have paid in 54k and my girlfriends family are so worried about me they are offering 11k as gift for ffs

 

Payplan were going to terminate my iva and said it could well result in bankruptcy ( I have a flat with a mortgage) but equity of about 80k which I am worried they will go after

 

I spoke to pp today telling them how stressful this all was and it may well be that I don't pass my probation ( I am 59 btw so was lucky to find a job so quickly)

Sorry to burden you with all this but I always respect your advice and knowledge, and PP have worried me by going for the 100% and bankruptcy warning

 

Thanks in advance 

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Go on holiday with it

Dump the iva (it should be ended by now anyway max duration is 5yrs!!)

 

Whos it with??

Sounds like youve been had blind!!

 

Get a list of the debts up

Send everyone a CCA request!

 

Bet 90% you dont even owe

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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Its with Payplan

 

They are holding a charge on my property and the veiled threats about possible bankruptcy do worry me. If I ask to terminate my iva dio they have to release the charge on my flat?

 

Original lenders were

cc (mc&vi)

barclay

natwest

tsb

amex

rsb

bos

Cap one

egg

halifax

mbna

 

loans with 

Welcome 

 

PD loans 

money shop, uncle buck, pounds til payday, quickquid, mem, Wonga, peachy

 

Having said that many are with DCA's like Lantern. Max , Hoist, PRA. Lowell , Watch Intrum ( big ones are Intrum Max  Hoist& Watch)

 

Thanks again!

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who has a charge on your property?

payplan do not do IVA's either!


an IVA provider cant do that!!

 

are all your debts with the original creditors still or have powerless DCA's bought them now and they are whom were getting paid?

 

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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I would say at least 80% of my debt is with dcas

Payplan put some kind of interest on the property at start of iva so that they are notified if anything were to happen, I thought it was a charge?

They have a branch called Payplan Partnership ltd and always answer the phone as IVA support? They have case officers assigned and I never was able to deal directly with the IP

 

 

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IVA's do not require a registry charge!

poss marked your credit file as to you are in an IVA, but after 6yrs that as well as all of your debts should now have totally vanished from your file?

 

never heard of  Payplan Partnership ltd

 

something smells here.

who provided the IVA?

 

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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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 The National Consumer Service

 

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

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im still not convinced that scheme was operational in 2012 but there you go.

 

I think by charge you mean the existing charges that were secured loans when you started the plan?

 

anyway time to THIS TIME

send everyone a CCa request.

 

 

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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  • 1 year later...

Dear all,

I was able to have an FFS offer accepted by the creditors after 5 years in IVA ( redundancy factored into offer), which is a great relief for me but the iVA partner advised they would not release the satisfaction letter unless I signed a deal that all future PPI recoveries were paid to them.

 

Some history on this ( IVA partner had a sister company look into my PPI about 3 years ago and recovered very little.

 

When the PPI deadline happened I hired my own company claims firm who were charging similar rates and with approval of IVA partner). 

 

They have recovered considerably more and their invoices have been sent to IVA firm for direct settlement as they are being sent the funds currently by the banks/ cc firms.

I also believe that some of the PPI claim should be returned to me ( interest? ).

 

The situation now is that PPI claims firm have not been paid & I have not received anything back either. ( PPI firm is now contacting me).

 

Please can you advise if its legally binding that all PPI must be paid to IVA firm & also if there is a reasonable timeline that they should process these amounts?

 

Thank you in advance

 

 

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