anyone??

Hello! I have checked my Equifax report which states that two debts were delinquent on x date and settled on x date. Are these defaults? At the top of the report it states 1 default (which when you scroll down is from 3g) so it appears correct. Would a mortgage lender see the delinquent records and count them as defaults?..... 'Elp!

Even though I have had a few letters confirming they will not collect on the account, they have no transferred the account back to reliable collections who are threatening for payment and charges....nasty letter duly sent off!! Bunch of frickin f*ckwits!!!

How can they run random credit checks willy nilly, surely you only sign up for the initial credit search to open the account?

can anyone advise??

Hi! The o/h has an account with Next and has a limit of about £350 and is about £100 into that. He has had problems in the past with keeping up payments, as in up to 6 weeks late with payment, but is and has been up to date for past year. Today he recieved a letter stating that they are withdrawing his credit facility and if he wants to know more to write to experien?? His internet account won't allow him to log in, so he rang up and Next told him with the current market they have a responsibility as a lender to not lend to people who could get into debt and have conducted a recent credit search with experien and have decided to withdraw the account. He will be sent monthly statements to pay off the £100 or so pounds, but no longer has a credit account??? Can anyone tell me whether they have the right to conduct a credit search without permission and can they just withdraw credit with no notice or anything. Responsible lender my arse!!!

Thanks for confirming my thoughts, it's tosh isn't it what they have said, they HAVE to comply with a CCA request don't they, they cannot just say, well we tried but we didn't get one when we bought the debt?? At the bottom of the letter they also state that as a gesture of good practice they will update his credit file to show the debt is paid when I settle???!?! Good practice? Er, legal practice mate!!! Bunch of feckwits have wound me up with they letter which is full of bollox if you ask me!! Should I write back to them?

Well, well!! Aktiv Kapital have finally written back!!! 6 months later!!!! They have said in a nut shell that they bought the debt from Barclays however they did not buy the paper work or the liabilities of the orginial creditor so do not have to produce the CCA???? They also state that 'out of good practice they asked Barclays for the CCA, which has apparently been lost?????? I think this is complete tosh myself?? They have offered a 50% reduction of the debt if paid within three weeks from the date of their letter, reducing the debt to £600, however I do not think they have any right for any payments as they have not produced the CCA?? Where do I go from here??

Well, the police have decided they can't do anything and her solicitor says there's nothing much more he can do so we are going to put in a county claim form - can anyone help with wording etc?

Help! My mom has just had a bailiff from CCS Enforcement Services LTD call at her house for £420.59 business rates from an old property 2005/2006 and has refused to accept a payment of £50 a month or anything higher, told them to put their dog away or he would get the dog warden to take her away and also said he would back tomorrow to break down the door change the locks and take their furniture. My mother has rang his supervisor who said any plan must be offered to the bailiff himself, the council have also declined any payment offer and everyone is referring her back to the bailiff who is refusing to accept anything apart from the full amount as apparently the debt is so old?? The bailiff also refused to show any ID or licence/licence number and said my mother was using threatening behaviour in asking for this? She is very worried as they cannot afford the full amount, and he is not accepting ANY OFFER WHATSOEVER! What should she do??

Thank you for the reply Poppynurse - there is not family member on either side she can ask but I will refer her back to her solicitor on the next step.

Surely someone could offer some advice?

Anybody??

Hi! Could anyone offer any advice please? A friend bought a sofa from Land of Leather last October for the house she was sharing with her partner. He became violent, so she left, although it was her name on the house (which has now after 6 months been taken off) but he has not allowed her to come back and take her things, including clothes, family airlooms (sp?) and the new sofa which is in her sole name as it is on a 4 year credit deal. She has been to a solicitor who has sent three letters to no avail as he has no responded. So I thought we could issue a county court claim for the sofa as she has all the paper work that it is in her name and she is having to start paying for it in October and then possibly send the court bailiffs in when he no doubt ignores the court claim. Is this even possible? Could someone help witht he wording of a claim? Many Thanks

Somebody please change my title and move to the success section please?

Yes, we received part of our settlement on Monday and the rest today

After a phone call yesterday morning - Lloyds have refunded the remaining £750, so our claim is SUCCESSFULLY SETTLED!!!!!!!!!! YAHHHOOOOOOOOO!!!!!!

Ooooh, I am so angry I could spit!!! **** have written again saying that as we have not given them the courtesy of a reply that they are paying the £1224.44 to his account in the next seven days and are writing to the court to say that the claim has been settled!! Well, IT HASN'T!! We HAVE written to them to say their offer is £750 short and as yet have not received anything from them with regard to this, just a refund of the £1224.44!! O/H whose account it is is abroad for til Sunday so cannot call them to discuss the matter either! ARGH!!

It's still £750 short though, so not sure how to proceed though Thanks for the congratulations though

Well, how strange - Lloyds refunded £1224 into my fiance's bank account this afternoon without our acceptance as we sent of our rejection letter via recorded delivery on Friday last week - what to do???:o

Right, thanks, will send that off today and see what they say, we're sooo close!

Oooh, I wish Thanks for the title edit - do you know how we should handle this with [problem]? What letter to send them?

Um, we haven't won yet as we are rejecting their offer as it is £750 short of what we are asking

Well, [problem] have said that their "offer" is just that - an offer and not an incorrect calculation, funny though, that adding up the £750 that they have taken off twice to the sum they have offered = what we are claiming!!! Twits!!

Hi! Received a letter from SC&M today - offering a without prejudice goodwill gesture of £1219.99, we are claiming for £1853.52. They have calculated their figure as they have already refunded £750, but our figure of £1853.52 has already taken this offer into consideration - not sure what to do?