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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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not receiving deposit due to key holding


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My partner and I moved out of our flat on the 24th of october having given the required notice, however we are now having extreme problems getting our deposit back. We paid £693 as a deposit. The landlord we have never met i believe he lives in hong kong, we have always delt with a representative, with whom we initally viewed the flat, paid our deposit to (for which we recieved a reciept) and signed a tenancy agreement which she then sent and got signed by the land lords attorney. This representative then changed near the end of our tenancy and we had difficulty getting hold of the new one. We contacted directly the attorney, regarding our deposit who said it would be retuned when the rep had seen the room, this apparently happened a few days after we moved out, but again we heard nothing, at this point we still had the keys as we had not met with anyone to give them back. We had to make numerous calls to the rep and with the attorney to give the keys back as we were keen to get our deposit back. The upshot now is the attorney has said we will only recieve £533 due to us not giving the keys back. When i told her i was not happy with this she gave me the accountants email to discuss with. I did request the landlord but no info about him has ever been given. The accounant confirmed that was what we will be paid, i asked him to give me his details and he wrote back saying that he charged £75 for each letter/email when dealing directly with tenants. No where in our tenancy agreement is anything reagarding holding keys. Do we have a case to get our full deposit back? Also due to the landlord wanting rent paid by direct debit we had to pay a full months rent even though our agreement ended a full week before the end of the month. We were told by the representative that this would be refunded to us with our deposit. When we discussed this with the attorney we were told that we had to give a calender months notice, but again this was not in our tenancy agreement, are we entilted to that money back?

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Hi

 

Thats a tricky one. Firstly what was the actual notice period stated in your tenancy agreement? Its usually two months or one omonth if your tenancy has rolled 'periodic'. If it was a periodic tenancy then you would have had to have given notice on a rent day IE the day you paid you rent every month for it to be valid. Either way this must be done in writing. If you paid rent after the expiration of a valid notice period then this is lawfully due back to you.

 

If the owner was overseas then by law (section 48 a+b Landlord and Tenant Act) he must provide an address for service of notices in the UK. If this changes then you should have been informed. This should be on your tenancy agreement.

 

With regard to keys its difficult. If they were not returned then the landlord is within his rights to charge you for replacement locks however as you state there was no one to hand keys back to. I would suggest you negotiate on this point.

 

With regard to the £75 charge for correspondence....utter crap! It would never be in a tenancy agreement as it would be seen as an unfair term.

 

I suggest finding out exactly who has power of attorney in the UK to act on the owners behalf and deal only with them if you think you are getting a raw deal then approach your local CAB (citizens advice) their website is quite good to start with.

 

Good Luck

 

D

Barclaycard

S.A.R sent 18/01/07 :o

7 Day reminder 02/03/07

Some statements rec'd 19/03/07

ICO Complaint 20/03/06

 

Alea iacta est

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