not much help in the uk now is it ?

subbing

if a partial payment is made can they still mark it 1 month in arrears ?

i am looking for an official definition of what a 1 monthly marker on my credit file showing account in arrears is

in this case it relates to a secured loan

is it a full 30 days after it was due that they can mark your file?

is it at the point of the 2nd due installment ?

unfortunately my payments fall on the last working day of the month so if it was paid on ..lets say the 4th of the next month (i.e within 1 week) would that be still 1 month in arrears?

is it different for every lender or is their an industry accepted practice?

Has anyone claimed charges back while still with GE or their mortgage provider ?

Most posts in here seem to be people who have remortgaged , sold or are under reposssesion proceedings

Maybelline , unfortunately its true the FSCS wont handle any unregulated products i.e 2nd charge mortgages of any kind

they can however look at the miss selling of PPI on those products

ive just been emailed back by he FSCS and they say they can look at PPI but they wont deal with the secured loan as they are unregulated

is this right?

my secured loan is UNDER 25k

ive had the same problems but the 2 DCAs concerned have refused to pay anything saying its equifax fault and equifax say its not us its them !

useless bunch of ***** , now im going to go the super slowmo route of complaining to the ombudsman

make sure they dont get a dodgy DCA like Muk Hall to put an OUTSTANDING DEBT search on table 1 of your credit file , effectively extending the 6 years to 8

just a note of caution , i have extensive experience with these criminals

they took me to court and i got the case thrown out + compensation but not before they faked/edited and doctored every piece of "evidence" 3 or more times

keep everything they send as if it does go to court they will trip themselves up

i dont even think the "new" Robinson way should be legally trading but is amazing what an accountant can do

just my opinion

Yup , But at an instant loss

Damn !

Ouch !

Any way to Un-unlock it ?

I ordered a Blackberry pay as you go 3 days ago on their website , when I got it I unlocked it but found it very awkward to use

I just didnt Like it so as ive had it less than 14 days I sent it back but they've refused to refund me and sent it back because I've unlocked it ?

Can this be right ?

I will write to them this week as I'm now a ready made "Ghost" Writer

Phillips & Cohen on behalf of 1st Credit

Great poem , my death has brought out my creative side

I have just had a letter from a DCAs lawyers addressed to the "Executor of the estate of the late Mr.XXXXX (me)"

"we have informed by (DCA) that they have received information that Mr.X has sadly passed away"

its a letter/glossy leaflet entitled "understanding the probate process"

1) Firstly im not dead nor could the possibly have any info that says i am

2) I have been in contact with the unnamed DCA clowns over this debt on several occasions and am still at the same address

3) They took me to court over this debt 4 years ago and didnt even bother to file proper directions so it was struck out

4) Its long since statute barred

its not the nicest thing to read about your own death !

well i can only speak from my limited experience and it was good, the judges were firmly in my favour in all 4 cases that i had go to court

mostly because they were the claimants , they were the professional institutions yet a total newbie like me (the defendant) with the help and advice on here was able to easily hold my own because they were not aware or showed total disregard for basic consumer law and best practice

the impression i got was that the judges were sick to the back teeth of these DCAs and their dubious practices

i got this feeling in my last case when the judge tore a strip of their rent a lawyer over poor POC and winked at me while she tried to bumble her way through the CPR rules and directions book

remember , they have thousands of claims to work on every day and its all a numbers game to them

you only have your own case and its yours , do your homework and you cant lose

just my take on it

Mackenzie hall did my table 1 search after the debt was statute barred , basically making this a 8 year debt

well this is what equifax have sent to me

'Outstanding debt' searches displayed in the 'Table 1' section of a Credit Report will have been carried out as part of a debtor tracing procedure by the creditor or their appointed agent. These searches aren't visible to any lender performing a credit application enquiry or to any other creditor tracing a debtor or collecting overdue debt.

This information remains on your credit report for 2 years from the search date.

For further information on the search you should contact the company.

thanks for the letter , i only have 1 search though so not sure if it will work but worth a go i suppose

is there a formula to follow to get these off?

well i have yet to recieve a responce to my CCA request to Cabot from 3 years ago but they can still get other DCAs to do table 1 searches?

i think the Mackenzie Hall one was even after the account was statute barred

i have a debt in dispute with cabot , they keep farming it out to varoious DCAs

2 of these DCAs have done table 1 searches on me ( Clarity and Makenzie Hall)

heres the response i got from Equifax from Clarity

The company has investigated your query and have told Equifax that the information is correct and should remain unchanged. This search relates to an MBNA account which was sold to Cabot Financial. Cabot Financial asked Clarity Credit Management to confirm the address of ***My address**

This information is supplied by the company and we can't change it without their permission. You should get in touch with the company directly if you need more information.

ive contacted Claritys compliance manager and they wont remove the table 1 search

bump

would like to see any letters/templates that have had success in removing table 1 searches