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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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Been wrongly named as the driver of car caught speeding *** Resolved***


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Hello everyone, hopefully someone can help us sort this out.

 

In October 2020 my dad got a speeding fine through the post, for a car he has never seen, owned or driven.

We requested the photo to see if we recognised who was driving at the time of the offence, as they gave my fathers name and address so we thought they must know him. It was a poor quality photo, but it was a stranger.

 

We rang the police and asked what to do, they said write to the DVLA and ask them to remove my father's name from the database regarding this car.

The police could not tell us who owned the car, so we said that we checked online and the car in question was taxed, tested and insured, could they not trace the driver that way? They said they couldn't. We wrote to the DVLA and that was that 

 

,until today.

My Dad got a failure to give drivers info sec 172 in the post.

Can someone explain how this can happen?

 

We got the speeding camera photo and you can see its a man with dark hair in his 30s or 40s, my dad has white hair and is 75, all the police had to do was look at the photo on file on my dads driving licence and they can see it's not him. 

 

When this sec 172 arrived, we finally saw, through something called the pentip system, that the fine went to the registered keeper, then a garage and then to someone my dad has known for 40 years, a man who was jailed in the last 10 years for fraud. He is the one who gave my dads name ,he must of known that my dad had been shielding at the time of the offence as he is on the clinically extremely vulnerable list and in very poor health.  

 

How can this be allowed and what do we do next with regards to responding to this sec 172, i was just going to fill it in online and plead not guilty, but the way this has been handled so far, my dad will end up getting convicted. It's like the evidence doesn't matter.

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No,not yet.We have heard nothing from the DVLA at all about this,we tried ringing at the time,but we just kept getting recorded messages saying call another time,then they would disconnect the call.

Thank you for replying.

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The offence was in August 2020,and to be honest the only proof we will have is his and my Mothers word that he was in the house and we would have trouble proving it i think,unless he has google timeline switched on on his phone and that will show where he was that day.

But it is 10000% not him in the speed camera photo,not even a close resemblance.

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I don't actually remember what it was he got, hopefully he has kept the original letter from last year, i will ask him tomorrow if he still has it. If it was a s.172, and he sent it back saying he didn't know who was driving, would this of happened?

 

I can't believe someone can just throw your name in to the police and an innocent person has to go through all this. We know now who gave his name ,but it wasn't him in the photo either, so it was whoever he sold the car to or a friend of his. I have no qualms about shopping this bloke if it will help prove my dads innocence.

 

This is the letter we posted to the DVLA in October last year.

 

To whom it may concern, I have been nominated as the driver of a car that has been caught speeding.
I have never owned the car, seen the car or know anything about the car.


I have received the photos of who is driving the car, I do not recognise them, but if you check my driving licence photo,y ou can see it is clearly not me.


I would like my details removed from the database regarding this car before it goes any further.


I have informed the police I am not the owner or the driver, and never have been, but I would like to know the name of the person who is.


We checked the car online and it is taxed and insured,so surely whoever is paying for that will be able to help with enquiries, and I hope be prosecuted for giving false information about me with regards to who was driving at the time.

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He is in bed at home right now,i will have to do it tomorrow,but what i meant was,what was he meant to reply,he genuinely didn't know the car or driver,would they have believed him?

I wish i could remember what happened with the letter but my memory is nearly as bad as his.

 

Edited by norton47
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Ok,sorry about any confusion, i have a mental problem and my train of thought is terrible.

 

Here are the facts, timeline etc.

30/09/20 my dad gets a request to name driver through the post

 

06/10/20 my dad was sent the photograph of the speeding car with further correspondence

The next two bits of information we only know because they are in the letter he received the other day.

 

30/10/20 my dad was charged  sec 172(3) rta 88

 

25/02/2021 somebody checked the FPU system and stated that there was an absence of reply.

My mother has confirmed that the original request to name the driver was returned 08/10/2020 stating he did not know who the driver was and the car was unknown to him.

 

At the same time a letter stating the same was sent to the DVLA on advice from the police over the phone.

 

No reply from the DVLA,

no more correspondence from the police until 2 days ago when he got a single justice procedure notice RT88567.

 

I have just checked online,my dad still has zero penalty points on his licence.

 

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Thank you for replying.We are in England,the recent letter mentions the FPU system,i have no clue what that is.

 

We will be pleading not guilty,because he is not guilty.

 

Surely if they look at the evidence of the photo,where it's clearly not my dad driving the car,he is not and never has been the registered keeper of the car,he was shielding at the time on the advice of the Government and the man who gave his name is a convicted fraudster,surely that would be enough to convince them he is not guilty?

 

Can they not investigate the man who named him as the driver?

There is no way he could go to court though,it would kill him,literally.The effect this is having on his health is already taking it's toll.

 

He has 17 days to reply to the charge.

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I understand,focus on this charge and hope they believe the truth that he did send the reply and it has been lost in the post.

Unfortunately there is no proof of postage,the post box is 150ft from my parents house and it was just posted there.

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11 minutes ago, Manxman in exile said:

(I'd be inclined not to mention the person you claim is a convicted fraudster because your dad's argument is he doesn't know the driver.  Also you shouldn't know who anybody else in the chain of s172 requests is anyway under data protection laws.  How did you find out?  You can just suggest that somebody earlier in the chain of 172 requests must have mistakenly named your father).

 

The papers that arrived the other day show the chain of requests,with their full name and addresses,it was sent to the registered keeper,then a garage,then the fraudster,then my dad.

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The papers say they received no reply to the request for drivers info.

It's stupid,we even requested the photo of the driver to see if it was someone we knew,before sending the reply back.Why would we do that and then not reply?

And the man driving is not even the fraudster,its a stranger.

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Thank you.

My mother has found the letter (that i did not know had come)that came from the DVLA stating that my dad was never the owner or registered keeper and had no connection to the car and he has been removed from the database about the car in question,and the letter should be included in any reply to the police,but the letter didn't arrive until December 2020.

 

We are going to plead not guilty, but first i am going to ring the CPS to see if this can be stopped, to save my dad from going to court.

 

The facts so far

October 2020 My dad gets a a sec 172(3) RTA 88

 

We ring the police and request the photo of the offence

 

We don't know the car or recognise the driver.

 

We fill in the sec 172(3) RTA 88 and return it, stating the above (no proof, it was just posted in the post box but my mother will go to court and swear its true)

 

Following police advice we write a letter to the DVLA asking for my dads details to be removed from the database.

 

December 2020 They receive a letter from the DVLA saying he has been removed from the database about the car in question and my dad was never the owner or registered keeper and had no connection to the car.

 

March 2021 my dad gets charged with RT88567 failure to identify the driver of a car.

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I get what you are saying,but would it not show that if he sent a letter to the DVLA about this,that he would have also sent the request back to the police asking to name the driver?

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Will do,i now know he was named as the driver of a speeding car,but the actual thing he was getting charged with was failing to name the driver,caused by the reply going missing in the post.

I don't know if you can change the title to reflect that,to help people in the same situation.

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