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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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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      Many thanks 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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BigCol45 v RBoS hes done it and ***WON ***


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Oh MY GOD!!!!!!

Well done just does not cover it.

 

I must add (whispering) I did tear up when I discovered you have won....shhhhh if you get yours...mine is just soo damned close....spend it wisely????....Nahhhh

 

Congrats mate and thanks so much...well you know....for being you!!

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Its ok for you.......you can go to bed now.

Some of us are still here.

I am just moving the last of the stuff from the caff..........borrowed the mates transit.......its not the end tho......Col told me that he has had a few enquiries

he dont wanna see this place turned into a kebab house or pizza parlour/

e is looking at maybe subletting to a Cag collective.......we shall have a whip round in the RBS forum......to keep the caff where it belongs.......:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi all,

 

Glad to see you are all keeping up the good fight.

 

I am at the stage where i have a court date of 30th November, my claim is for 1980.00 in cahrges and 100 + 120 court fees, Cobbetts made me an offer of 1100.00 on 6/10/2006 which i declined verbally over the phone, i have not heard anything since then.

My bank are continuing to apply charges to my accounts and this is now snowballing, i have today phoned the bank and requested that they refund the charges back to my account(the ones that i have incured since i started my claim and are not included in my original claim) less the 12 quid that has been deemed as a fair charge i.e:

38.00 charge, less 12.00 = requested 26.00 refund on each occasion, the woman i spoke to at the bank was very rude and refused to even look into it, this has now rattled my cage again and i am on the war path.

 

Q What is the best way to go about claiming these more recent charges back, i think i have seen somewhere on this site that you can add these charges to the original claim, or is it better to start the whole process again for these latest charges?

 

Peanut.

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You cannot add them to the original claim since that would make both your claim partics and spreadsheet wrong from the original filed claim.

You could do this as an ammendment but it will cost you 65.00 which is not recoverable.you would also have to wait for the Judge to consider whether to allow it.

There are 2 other options then.

You can either ask Cobbetts to consider adding these to the final settlement which they would need instructions off the bank first.....or you can do another claim after this one is finished.

I understand that once an offer is made and turned down that Cobbetts have to wait for the bank to give their instructions before making further moves.

Its not as some think,an automatic decision to give the refund a couple of weeks after a refusal.There are other issues too some of which unfortunately I cannot fully explain on here for obvious reasons.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello All I Have Been Going Through All My Statements From 00-06 And Have Come Across The Usual Charges For Cheques And Dd`s But For Some Reason I Have Noticed Other Charges Which Are Referral Charges Ranging From £10-£90 Does Anyone Know Of These And Can I Claim Them Back,need Help Too Busy With Work Never Seem To Have The Time Thank You To All Who Can Help

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Is this a standard or royalties Gold account ?

You can claim everything except the monthly subscription fee if it is a gold.

Are these charges showing at the end of the month ?

it is likely that the 90.00 is for 3x30.00 charges.

Referral charges are claimable.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Firstly its not my brief to suggest that and I really do not see the point but more importantly you will not need to do it.

There will be long periods beteen the stages of the claim whereby you will not need to do anything.

The waiting is probably 90%.

This does not lessen though the understanding of the process which has to be the full 100%.

Although this a self help site the teamwork here and the ability to get help from the members is something I have never seen anywhere else....and dont think I will.

Our nimbers are fast approachimg 100k and we have seen many people here from all walks of life go on to win back their money.

At the end of the day this is your money and better in your pocket than anyone elses !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 months later...

Even after so long........its great to read this thread again......anyone who has doubts and concerns.........who gets to a point where they feel like giving up..........where uncertainties can creep in........and when Cobbetts start to pile on the pressure.....reading Big Cols story is a breath of fresh air and gives a jolt and an incentive to push on.

A truy temarkable thread and one which inspired so many others.

So sad that it came to a conclusion......but yet good that Col was able to finally able to put his time to other uses.......Drove past the cafe last week and the shutters are still down........but the memories of all that was discussed and planned over the tea and bacon butties will live for a long time.:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I'm with you on that! I read through the post again on Boxing day!!! sad I know, but I had a reply and AQ to do, read this again for inspiration, and a good reason for a bacon butty!!!:)

:)RBS - Settled in full -3k
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  • 2 months later...

Actually since the days of BigCols claim,there has been some changes.....one of those is the Bank (both RBS and Natwest taking a greater role in looking at claims at an advanced stage...or even offering settlement very early )

Dont know whether this was a cost saving thing or a temporary offloading to clear a backlog.

Lyndsey will know the answer......but I cant see her telling...........

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 1 month later...

Hello all,

 

I have been very busy on behalf of the British Tax-payer and unable to keep up to date with CAG matters, glad people are still reading 'my story' though, all I can say is that whatever happens, keep cool and keep checking the latest on the CAG, ask if you don't understand and read as much as you can. It is so worth it in the end, just getting your money is great, but knowing that the Bank has listened to you (not just a number) is a great feeling.

 

TTFN

 

BC:cool:

Big Col:p

RBS LBA 20/06/06. WON - 21/10/06

MBNA(1)-Start-20/06/06, Claim-£250, 15/8 - Winner!!

MBNA Virgin(2)-Start-20/06/06, Claim £100, 15/8 - Winner!!

BoS MCard Data Protection Act Sent 20/06/06 - WON 16/10/06

Green On!

If the post/advice helps, pse click on the scales!! :cool:

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