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Hi not sure if this the right forum (please move on if incorrectly placed) but I would like some advise. I had a loan with Northern Rock and I asked to reduce my payment on the loan as I was struggling to make the payments. The loan went via the government to Marlin financial who contacted me and I agreed to increase the payment amount. (I was now in a better situation and this suited me to pay the loan of quicker). A few months before the final payment was due I had another letter informing me that the loan had now been passed onto Cabot financial and I did not need to do anything as the DD would just continue. I made the last few payments and thought that was that but; When I checked my credit score I found that the loan was not marked as being settled and it was also showing an arrangement in place for the last three years plus. I have contact Cabot about this and the have sorted out the loan showing as settled but think that it should show as having an agreement in place. I would like some advise as I did not sign anything with Northern Rock just a phone conversation about reduced payments and I have never entered into any sort of agreements with either Marlin or Cabots. This has greatly affected my credit score and if it possible to get it removed I would like to. So I suppose the question is can it be removed and is it right to report a payment agreement when I entered into no agreement with either Marlin or Cabot, and I never signed anything for Northern Rock. -
Just under 2 years ago my Barclaycard went to Mercers, and I received a default notice on Mercers headed paper. The account was then transferred back to Barclaycard. I've been trying to keep up with the reduced payments (£50+ per month) they then agreed with no interest, but having been back to CCCS with my current situation they advise a £1 token payment at present. Things are due to improve once priority debts are paid off but this will take about 12 months, and I am now on a payscale ladder so things will improve next year. Barclaycard have refused this offer and their previous letter said they would send a default notice if I didn't send the £50+ payment in 7 days, and will add interest again, their current letter says they will send a default letter if I don't contact them (no timescale given, but it is strongly implied that I telephone) Can someone knowledgeable please advise the 'rules' and implications about a second default notice for the same account? Thank you in advance.
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Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 years old earlier this year and was removed from my Noddle account. However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I noticed that last month the default date has been changed to 12/7/12. Can someone advise me if Black Horse or Suzuki Finance (whoever has done this) are allowed to do this please? I have reported the matter to Noddle as default date incorrect and I'm waiting to hear from them. Thank you Maybe -
Ok a quick scan on his forum says I'm not alone but here's my story - just wondering what the best set of steps is, i.e. complain to NPOWER even though I'm not a current customer, raise it with the regulator, or other options. I was with NPOWER until December 2014. I paid my bills on a monthly direct debit budget scheme. When I switched suppliers I very kindly received a cheque from NPOWER for the balance on my account and thought that was that. Of course I then got bills, lots and lots of bills with lots and lots of amounts. It took them, in my opinion far to long to switch me as well. I contacted them and asked how I could owe them anything when they'd just sent me a refund, asked them to send me definitive bills with readings etc. In the end I gave up and heard nothing. in August I suddenly got a series of communications. At the beginning of August I got 2 bills, one for gas and one for electric, 16.19 and 4.37. Then on the 12th of August I got a reminder for the gas, at £293.98 and one for the electric at 129.97 (remember I haven't been using them for about 8 months now!). These were quickly followed by those very special telemessage things that are supposed to scare you on the 26th and 27th August. Now here's where they really excelled themselves because on the 28 August I got a threatogram from Collections Direct for the gas, 293.98 (at least the amounts were now consistent) but one day later, on the 29th August I got a letter from NPOWER advising me they'd made a mess of it all and were writing off any outstanding balance. And all went quiet. Now I'd have to be honest and say I could not have told anybody whether I did or didn't owe them any money. The number of bills I got showing different amounts - including a refund - had me completely lost. Now today I receive reminders again, pay in 7 days etc etc. So I want this gone once and for all. I've not been a customer for over 15 months. So do I complain to them in the first instance or should I just take this straight up the food chain? -
hi guys, I'm after some advise if you can please. Ive also phoned debt line twice today and received two lots of different information, and also received different information with regards a bank and a mortgage broker. so here goes. my situation: years ago i got myself into pickle with debt. i had several loans including a large one to Barclays, Barclaycard, and some minor loans. i lost my full time job and money was tight. eventually i started to pay off the loans i could, or the ones i knew about at the time. got with my ex partner who i give the money to to deal with my finances when i was away, never heard nothing back from barclays, moved address split up with my ex shortly after. (turned out she kept this money for herself). long story short. i still have a barclcaycard debt outstanding owed to MKDP. The debt was originally for £3116. and i don't low whats happened to the barclays loan it is not showing on and CRA files so I'm assuming that gone. now I'm settled with kids, i would love to have a mortgage with my partner. but the problem appears to be this barclaycard debt. the account was started 15/10/2001, it was settled 24/06/2011, and sold to mkdp 01/07/2011 for £3116. The default was registered on 27/08/2009 for £3116. this is shown on experian as that date. yet equinox don't who anything of this debt. MKDP are still registering the debt each month as not paid and as a late payment, and this was updated only a few days ago. my questions are: 1. when the default was served, 6 years would mean that it would drop of my credit file, but what would drop off, just the default or the whole account with barclaycard. even if they sold the debt and made an entry to say the debt was sold july 2011 to MKDP? 2. would the whole debt including account from Barclaycard and MKDP drop off come 6 years next summer even if no payment is made. or say if MKDP updated there file in say July 2015 a month before the default drops off, and the make a note as late payment, would this still show there for a further 6 years from next july. obvs im in a pickle, cos even if i scraped all my money together, i would doubt i could afford to cover the cost of this debt atm. the fact I've gone 5 years so far with it being there. And obis 6 year point in becomes SB, would MKDP still be able to make entries on my credit file say for OCT 2015 NOV 2015 for missed payments yet the default has cleared and the account would be SB? i was under the impression that after 6 years the whole debt and account would just be swallowed up by the system and would drop off. any advice would be appreciated, I'm kind of worried that they will serve a CCJ against me in the next year, if they do this, would i be able to say just pay it before a court hearing. I do have an additional credit card i could use but thats earmarked for our wedding atm.
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Having a bit of fun with the above who deal with my waste water. They had been sending lovely red coloured bits of paper every month becasue I had missed one payment of £25, so by their account I was behind with my payments as per my "payment plan"? Confusing as I have never had any such payment plan in place previously, as they have sent me the bill, and I have always set up a standing order to pay them over the year, monthly, no payment plan or agreement/contract has ever been signed by me or them? So the latest letter is now another brightly coloured "Notification before default" informing me that if I do not pay or set up a payment plan by next month then they will mark my credit file with a default which will stay on for blah blah blah, and make obtaining credit yadda yadda yadda, yawn yawn! They are demanding the full years bill, which is never going to happen, if they're lucky £15 a month at most, but my question is how can they mark a credit file without any such agreement contract being in place? I'm not in the slightest bit bothered by this credit file lark, so they're threatening the wrong person, I'm just spoiling for a fight.
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Hi, not had to deal with any of my cc debts for over 2yrs (all either unenforceable or DN problems), but the only card i had managed to keep straight was a HSBC one that i now cannot keep up with. I have sent a DSAR and had confirmation, in writing after threatening to make a formal complaint to the ICO, that they DO NOT have a copy of the agreement (if there ever was one). Since it was over 2yrs ago that I researched and joined CAG, I am sure the info I had then may be out of date. Could someone please give a quick refresh of anything that has happened that may affect me putting the account into dispute and not paying? Yes, I know there is a search facility, but I am currently going through a divorce and having to defend that myself (debts seem easy!). Thanks in advance
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CCA Letter sent to Aktiv Kapital. Let's see if they reply. Barclaycard assigned debt to Aktiv Kapital April 2011 £2,789
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Hello my situation is as follows. I have recently managed to pass the 6 year mark on most of my two relatively small debts. I have a CCJ that was paid but remains unsatisfied on my CRA that is just over 5 years old. My partner and i are looking to apply for a mortgage we have as a deposit £17 - £20,000. I was thinking about the CCJ and i remember years ago i was sent a letter by Northumbria water threatening to take it to court and i managed to prove that it had been paid. Could they have still sought judgement on this? I have no paperwork left to prove that i paid it, but it was at a time when i was living with friends in student accommodation and because they were late getting their chunk and i didn't have the full amount we got the late letter and CCJ threat. I would ideally like this to come off my CRA file but at the least have it satisfied, i was annoyed that it is in just my name as their were 4 names on the account. I would appreciate any help and advice in how to move forward so that my CRA file can be in its best state applying for a mortgage. -
Hello all, Essentially I have just had my full & final response from MBNA from my complaint regarding their handling of my credit file since I started a DMP back in 2006. They never defaulted the account but listed it as AP for a significant period along with around a year of various missed payment levels before I partially settled the account in 2010. (see the CRA image below) [ATTACH=CONFIG]48033[/ATTACH] I am drafting a complaint to the ICO and probably will send a concurrent complaint to the FOS. Obviously I have more documentation to go with this - but I have attached the key ones for now (a snapshot of the CRA file, my most recent complaint and their final response)
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Have there been any recent changes in what cca request we send ie Credit card cca and loan cca? Mr W
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I recently found out after a SAR request to a DCA that at least Experian provide more information about credit applications than we can see on our reports ! There was info about Employment Status, Number of Dependants and Property Value - none of this is shown on the credit reports Anyone know how they get this info and why it isn't shown on a typical report ?
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An interesting situation with Equifax today. I received a " change in report " alert this morning 17/10/2014 regarding two accounts being settled, indeed both show as settled on 19/10/2007 the update is shown a 16/10/2014. Experian has the same data?????
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Could someone please answer a question, does an IVA remain on a credit reference for six years from the date of inception or the date of completion? -
Hi Guys A strange one. Just had a response from Lowell Financial that they are as mentioned before, removing the defaults for 5 accounts for me. However on the email it says; Now i thought Lowell took full control of the default like some other debt purchasers, etc, but maybe they dont?
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Upshot is this, Driver of vehicle parks, on a PE operated car park with a 2 hours limit. Driver leaves after 2hrs 12 mins Parking Eye send a Parking Notice to the owner of the vehicle at the address registered Owner wasn't the driver at the time, the driver at the time is disabled and able to stay double the amount usually given ...so they could have parked for 4 hours. As they didn't address it to the driver at the time the registered keeper ignored the communication. 2 Months on Parking Eye write to another address (not the registered keepers address) but an address where the registered keeper used to live stating that they couldn't have know that the registered keeper had moved and that they would accept a reduced fee if paid within 14 days, they also state that they gained the address by way of a Credit Reference Agency....say what? The Registered Keeper still lives at the original address and the one that is registered to the car by the DVLA ..the other address sent the communication back to the original address. The person driving is covered to park over the time allocated, no problem with that, but Parking Eye using a credit ref agency to write to another address simply because the one and only time they wrote to the registered address but did not receive a reply. For £40 and which they have zero chance of collecting given the disabled status of the driver of the vehicle at the time and which is easily enough rectified ...however, lets hope Parking Eye waste their money taking out court action and wasting more of their money. What seems so wrong is a cra being used for an address when all the time the vehicle is still registered at the original address.
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Hi, Not sure if this has been asked before but i applied for a Sim Only 1 month rolling sim as my contract phone had ended. Is there usually any credit check for sim only plans as theres no searches on the CRA's to say Tesco carried out a check. Anyone know? -
Does anyone know how long searches are showing for, as i know with experian the searches drop off when theyre a year old. Ive only 4/5 credit searches from aug 2012 till July 2013 but on callcredit ( noddle ) they havent dropped off. I still have yet to get my £2 report from Equifax.
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Hello, As the thread title suggests, I have previously had various credit card and unsecured loan debts which I defaulted on, all at least 6 years ago and I am only now wonderering whether there's any merit in looking into any related PPI issues. Originally I was just pleased to draw a veil over that time of my life, however, since those debts were quite large, there could be merit in seeing whether any of the cards had PPI included and therefore perhaps refundable. All of the lines of credit have fallen off my credit reports, which is now clean, but I still have a massive file of documents which details all the relevant credit card companies who were the original issuers. I don't want to waste my time taking this forwards if in the end all that occurred were that those coys said, " ... yes you're entitled to a refund and we're going to apply it to your previous default." As it's statute barred I don't believe they can, nor can they default me again, so what have others done in this situation as I can't believe I'm the first to consider this. Be pleased to hear back or any tips or pointers. I'm comfortable with prepping the paperwork myself, having had to repudiate all the old cards, and related legal actions. One other question; will applying for PPI claimback have any impact upon my existing credit cards or relationships with my new credit providers? AFAIK none of my new providers are the same as those defaulted, however, due to the many relationships companies have, perhaps some are linked. Thanks in advance peeps. -
I checked my credit file with Noddle today and there's a default on there that doesn't show up with any of the other credit reference agencies. It's on a old address, and from British Gas and the default is dated in November 2009. It's weird that it's from British Gas as I usually go with the cheapest provider, and it's never them! I certainly haven't received a default notice from or demand for payment. It's only for a small amount (£150), and had I have known I wouldn't have let it default. How can I get this taken off my credit file? I really want it removed as quickly as possible. If paying it off would remove the default then I probably would, just for a simple life, but as I understand it this won't help much as it'll still stay on the file. Is it okay to email them, or do I need to send everything by recorded post?
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Have been following the Durkin case, and now have a query: In 2006-2008 HSBC applied excessive bank charges after DWP stopped my DLA payment (in error) but later paid the arrears. I had been very ill and the local branch had said they would be sympathetic as it was not my fault. Charges were inflated to £1315 and although I requested a review as a priority case they started putting DCAs in touch (four of them in all). Eventually I got fed up and issued a MoneyClaimOnline, last month, and have now filed Judgment. The last of the four DCAs also registered the "debt" with CRAs, so I sued them jointly. They however sent the file back to HSBC and therefore I cancelled my claim against the DCA, and asked them to remove the CRA entry as they had surrendered the matter. They haven't removed it, and it is now the only remaining "debt" on CRA files for me. My credit score is low and quotes the debt as a factor. Is there any guidance somewhere on quantifying compensation in this situation? -
Dear Caggers.... I'm in one of those situations; probably too familiar to a lot of people - but with a "twist". I separated from my wife and moved out of the Marital home a couple of years ago; I've been in regular touch as there are children involved... I am still paying the mortgage plus allowances etc - £2,600/month Incidentally - in the last 2 years I have had a tripe heart bypass and been signed off work with depression/stress. A cople of days ago I recieved a demand for £6,600 for non payment of a credit card bill from a company called Capital Resolve.... The first I had heard of the bill well before I left home. There is no information other than the amount There are instruction as to where to send payments or agree a payment schedule - or to have a visit from one of their representatives by the 15th May - the letter was posted on the 8th. They have now follwoed up the letter with an open card informing me that I wil be visited by one of their representatives in the next week unless I call to make a specific call "Immediately". I have no intention of shirking the responsibility for the debt but I have a couple of questions...... The letters are attatched. 1. What would the significance of the 15th of May be - it seems to be purely arbritary? 2. Are they being intimidating by following it up by this orrible card? I am pretty brassic due to the payments to the estaranged wife etc and don't have acess to anywher that amount of funds - am I allowed to change their date of the 15th to give myself more breathing space ? Any help would be much appreciated:-( IMG.pdf
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Hi I have a CCJ registered against my ltd company, and I want to appeal the 'set aside' decision which went against us, and still can if I act quickly. If I did pay the the amount disputed would the CCJ be removed as it still open to appeal or would the CCJ remain. I hope that it makes sense and I am grateful for all info and advice. JP
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I've just had a fairly heated discussion with First Direct after they labelled my current account as being 1 Payment Late. My first thought was that this was ridiculous as it was a current account which wasn't at that time in an overdraft or anything. It turns out they put it on there because a direct debit that i was in the process of changing had been returned unpaid. This payment was ultimately collected on the second attempt seven days later and was to a mobile phone provider. My argument was that whether or not this payment was made on time or not it had nothing to do with First Direct and my standing with the bank in terms of credit reference agencies. IF the mobile phone provider were to put a one month late flag for a 7 day delay then that's one thing but i don't understand how a bank can claim i'm a payment behind to them for someone elses debt. The guy eventually relented and agreed to remove the flag as a 'special gesture' but it strikes me as a grossly unfair practice that needs to be challenged and i wondered what everyone's thoughts were before i took it further...
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Can anyone tell me what is the state of play regarding filing in the county court for damage to credit reputation? Circumstances are: A financial institution listed an association some years ago to a person who is clearly a known debtor, (clear since they left this property some time ago a number of collectors have shown up looking for them). Point being I KNOW I have never a financial association with this person. They company concerned did not reply to my 1st two letters (until I threatened the ICO) then wanted me to call them to discuss this. Ever since then I have had a stream of letters trying to justify their actions but have insisted this is valid data. They however have no records no idea as to why this was originally created as their records don't go back that far. They have also tried to tell me that you can file a notice with the CRA's and associations don't matter anyway,(which is a straight lie, what would be the point of the system anyway?) I have been pushed from pillar to post for 4 months now, they have now referred to letters that have have never been received, but no doubt a filed on their computer systems, for the record, and I have run out of patience with this organisation. I now have two options: File with the ICO, which would grind through their system and remove this association. Take them to the county court. As I see it, I cannot show a negative, if it never happened, how can that be. They would have to show that this entry is valid, but they have no records as to why this was created. Possible downside is that the judge could decide that is my credit reputation is stuffed any way, it didn't matter. Want to remove this as, fairly soon, not only has the bad news dropped of of my credit record, they go Stat Barred anyway. Grrrrrrrrrrrr David
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