Hi everyone, On 01 April 2015 I paid Cabot in full for an old credit card debt. The debt still remains unchanged on my credit file. I sent Cabot 11 emails asking when the CRA's will be updated. All 11 emails have been ignored. I disputed the debt with Experian and Equifax. Cabot informed Equifax that the debt was settled in full on 18th April 2015 when in fact it was 01 April 2015, and said it will be updated in May. I eventually called Cabot previously Marlin, and the advisor states they update the CRA's on 25th of each month. [removed] My credit file remains unchanged and I have no idea what to do. How can they continue to report inaccurate information! And to add insult to injury, they have sent me a customer satisfaction survey!! How can I get Cabot formerly Marlin to update my credit file? Thanks Eagle

Hi I have been in a DMP with StepChange for about 4 months now and it seems to be going fine - the threats/chasing letters are drying up. Most of my debts were defaulted in 2011/12 and have been passed to DCAs. My account with Barclaycard was initially passed to Mercers (who I believe are part of Barclays) and I received a default notice in December 2011. The debt was then assigned to IDR Finance and is run by Link Financial. When I check my equifax report (yet to do experian), the account does not show as a default - rather a series of status '6' since April 2012 (it is showing as Link Financial, not Barclaycard). I know this isn't a good situation and need to get it changed to a default (at least then the clock is ticking towards the 6 years). Surely if a default has been issued it should be reported? What is the best way to get this rectified? Do I write to Barclaycard, Mercers, Link or Equifax or all 4? Are there any templates or is it a straightforward letter describing what has happened and requesting the status be changed to default with a date of Dec. 11? I have seen a number of other threads re: defaults and CRAs but they do not quite address my questions... Thanks

Hi all, Sorry new here but hoping you may be able to help. I have just registered with noodle as had started to receive calls from a company called MKRR. They wanted me to confirm who I was but as I had no idea who they were and so wouldn't confirm anything with them until they confirmed who they were. Unfortunately they are now persistant and a web search revealed they were a debt collection agency yet until i can confirm who they are and what they represent and want I am not comfortable passing their identity confirmation checks!!! Once registered with noodle I was surprised to see 3 defaults on my file. One was from Mkdp llp with a default date of 30/11/2010 and the other two are from Marlin financial with a default date of 29/11/2011. Obviously neither of these companies are MKRR and I'm not sure where these defaults have come from as I have never received a default notice and not sure what the debts are for? Anyone have any suggestions of how to tackle this? With many thanks in advance, ZF

does the 17 digit payment reference for a ltd companies corporation tax change year on year? got last years payment reference but not current year, wondering if anyone knows if it alters or not

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.

Why does Noddle insist on using a Credit Card for identification purposes but will not permit you to use a prepaid credit card ? My reason for using one of these for online purchase is that there is only so much financial damage that a thief could do if I were to lose it or they obtained the details. IMHO, I do not see why Noddle would want credit card details anyway as it is supposedly free ? My question is - if someone doesn't have a regular credit card, are they being discriminated against ?

Hi, Does anyone have any hints/tips on writing a character reference to be used in a disciplinary hearing? Thank you

I moved into my house several months ago and I changed gas supplier from NPower to First Utility as soon as I arrived. The bills from First Utility showed a different meter point reference number (and a different meter serial number) than the previous bills from NPower. After the first few meter readings I gave online to First Utility, they started refusing the readings. I phoned them and they said they did not supply me. I called the Xoserve helpline who told me I have two meter point reference numbers listed for the property and one of them is likely obsolete. When First Utility took over, they recorded the wrong MPRN (I know because NPower's MPRN does indeed correlate to the meter serial number written on my meter). My question is - what is the chain of events. How can First Utility start billing me and then stop (they've refunded the money now). How does their system allow them to accept an obsolete MPRN and then what triggers their systems to belatedly recognise that and stop billing me? NPower continued to bill me because "their" MPRN had not been officially taken over. A question for someone in the industry, I guess.

Hi, I need some advice in the following situation. I've recently completed a 3 month contract in a job where my direct line manager was short tempered, verbally abusive and would often shout, yell and bully me and all other fellow staff. During the contract I juggled numerous projects. One major project was completed and made substantial progress on the others. During the final week, my manager asked if I would consider a contract extension if it was offered, where I replied that I would consider this but did not confirm anything. Since I did not hear anything further, on the final day of my contract, a handover via email was given along with an update on the current state of all projects and left the company. I recently attended a 1st stage interview for another job after leaving the company, where the offer was conditional on a successful vetting outcome. Information requested was some standard documentation, including employment history over the last 5 years, along with details of my direct line managers during this time. During my 2nd stage interview, the interviewer informed me that my line managers have been contacted via telephone, where my previous manager (who was short tempered, verbally abusive and would often shout, yell and bully me and other fellow staff, where I would definitely not disclose by choice, but I could not supply false information on a vetting process) supplied a bad reference along with an inaccurate record of my duties. For example, I only worked on one project and made no progress on the other projects; I had left the company suddenly, etc. I believe I was not considered for this job that required the vetting process, based solely on the inaccurate information supplied by my previous line manager via the telephone. I have heard that I can request information about myself due to the data protection act? However this was a telephone conversation between my previous line manager and my new potential employer. I now plan to make a formal complaint the HR department, however given that this was a contract role, will anything happen? Also, can a legal case be made? Thanks in advance for any help you can give me.

Can someone please advise, out of the 3 main agencies, which one is the most reliable. So far, hubby has received responses from Experian and Call Credit. Experian appears to be the most up to date - with Call Credit showing stuff that should have been long removed ? Just waiting on Equifax.

Evening, Is it true that letting agencies cannot do a thorough check like a bank and only see CCJ's and other similar marks on your report? Or Do they only look for those? I read somewhere they cannot access the defaults on an account. Looking to rent but have a few defaults. Hopefully I'll find somewhere.

Hello All I was dismissed frm my 5 weeks old job in probation - the real reason was i questioned company's process fo charging interest to their customers and that wasnt really taken well by management few days later i was told i havent been performing up to probabtion standards hence i m dismissed !! now i have to put them as my employer on new application forms i m filling in for another job the issue is if th prospective employer asks for reference what would this company (who dismissed me) say ? i have an email frm the peoples head of this old company where he said i do not need to tell any prospective employer about my dismissal as they are sensitive to my future employment - this email came to me via my union rep so now the question is on the back of this email - would this company not provide actual reason for my contract end? or if they tell them i was dismissed would they have to back it up with any evidence of unsatisfactory performance? what should i do now i have been offered a job subject to references !!! please help i cannot handle any more anxiety attacks regards

Hello I have had teh bad news today at work - 'you are dismissed as you are not a fair fit for this job'' i started this job last month, 5 weeks in job and today i had a performance review where i was told that i m not capable of doing the job and i should gather my belongings and go home, they are obliged to give me a weeks notice but they dont want me to work it and i can go hand all teh company belongings and leave !! just like that my job ended today now i m stressed needless to say - 5 years of employment history ruined coz i have got the ''dismissed mark on my credentials where do i stand now in terms of looking for new work :(

Hi received a red letter from United Utilities the bill paid last week, payment over four quarters. I was surprised to see this at the end of the letter. Information about your payments behaviour will be shared with credits reference agency . This may affect your ability to obtain credits in the future as the lender will see this when you apply for credit. For more information see Unitedutilities.com/personaldetails On what grounds do they have the right to share this information.

We are going to have a bad ladlord reference, not saying we are bad tenants but that we do not pay on time. This is due to their being a gas leak over christmas, us not being able to use the stove due to only a temporary fix. Holes in the windows where the frame is too heavy for the window. Our bills were high so we struggled with the last fifty or so rent. added to which our tenancy deposit is not protected, the ll also never calls always just comes round. Already threatening we may lose our reputation. we rented one year before and paid rent on time (abroad) and then stayed in a pub where we paid rent after check out and we were fine. I worry about our limited references in this country and any credit file trouble before our bills settled down. we are due to pay 330 for a deposit but it is worrying as we know this will be easier to be on time but they dont know that.

Hi all, I have a few questions about our (assured shorthold) tenancy agreement with a private landlord, which is currently managed through a property management agent. 1) 4 of us are renting the property (we have separate rooms and a communal area), and one of us is leaving at the end of the fixed period in 2 months time. In the contract we are collectively “the tenant”. This means that if one of us leaves, the rest of us are still incumbent to pay the rent and therefore pick up the extra cost of rent which is now split 3 ways, rather than 4. Does this mean that that it is also incumbent on us, as tenants, to find a replacement person to keep the number of people whom make up “the tenant” at 4? According to the agent this is the case, and we are required to advertise the room, not the agent. Is this correct? Is this something which they can technically insist that we do rather than them, because not all of us who make up “the tenant” are moving out? In the case of a complete handover, where all 4 of us leave, the agent has to find the replacement and place the advert, since in this place “the tenant” has left. I need clarity over this grey area of liability where ‘the tenant’ is made up of more than one individual and not everybody is leaving. One concern I have is that by advertising, we are doing the agents work for them, especially as we would have to include details of the agents initial fees in the adverts. My understanding is that agents, when they advertise properties themselves, are required by law to include this information in their adverts, or else they can be reported to the Advertising Standards Authority. Can we be held liable in the same way? 2) The agents admin /reference fee is £150, to be paid by the incoming /prospective housemate. This seems unreasonably high. Where agents charge such a fee, is this sort of figure the norm? I have heard of agents charging as little as £20 for the same service, which makes me think the amount actually varies wildly, suggesting that this is unregulated. This charge, especially being as high as it is, could put prospective housemates off, making it more likely that we will fail to find a replacement housemate and will incur the extra cost of rent for an empty room. Is this fee something that we could try to negotiate down with the agent? It is arguably a barrier to their trade as much as it is to us finding a replacement (if indeed it is incumbent on us to do so). As an explanatory note, I should add that the 4 of us never had to pay any fees because we were already in the house as the tenants of the landlord directly, before he started using this agent. This change obviously imposed new contractual terms on us all, but none of us were required to get references, since the agent ‘inherited’ us as the tenant. This is the reason we were not told about any fees. However, no admin fees are mentioned in the contractual fees either, apart from the checking out inventory fee.

Evening CAS Any advice from you all would be helpful. Thank you in advance. I will keep this short. My previous employers are in breach of my employment contract and I will shortly be writing to them to advise them of this. I suspect they already know but think I won't do anything about it. (They are an extremely small business - and I did have a contract of employment but they asks me to leave or "call it a day" as they put it, no formal grievance just my face didn't fit anymore). Although my contract says 3 months notice must be given either way. They haven't paid me (or given me a letter of termination/or put me through any grievance process/or submitted my P45) hence me writing to them. What would be my position re references when I try to apply for another position? I'm sure my new employer will want a previous references, and through them thinking they are a law onto themselves, would try and make my future career prospects as difficult as possible. If they gave me a bad reference do I have any grounds to do anything about it? I was only there for 5 months and would prefer my new employer not to write to them at all but not sure I have much control over this. I appreciate any comments...

Originally had store card with M&S and this was changed to a credit card automatically some years ago, M&S receiving some bad press because customers had not requested a Credit Card. I posted a SAR for the original documentation with regards to the CC (which they won't have) and after 14 days the silence has been deafening, they will not have a signed copy of the CC terms and conditions as one was never sent out. I am now at a point of "what do I do now?" as I cannot find further letters to continue with my harrassment of them, anyone point me in the right direction?

Hey guys, A quick run down of the history of this situation: - Started employment in January 2013 at a relatively new web development company - Began going downhill and it had an impact on my mental health - Fought on, but resigned in October 2013 - giving extra notice up until the last working day of December - Four weeks later I was taken ill, informed my Project Manager and within 2 hours I received an email that said I'd been a brilliant employee but as of immediate notice my employment was terminated. This was allowed as I had worked my 4 weeks notice. --- I immediately contacted ACAS and pointed out my contract stated a minimum notice period of 6 weeks, and was informed this was unlawful dismissal.I calculated holiday leave and ensured this was paid. I informed my previous employers that ACAS were interested in the timing of my dismissal with regards to my health, that they felt there were grounds for action for Unlawful Dismissal, and that I was due holiday leave. After a very quick change of tone in the emails I backtracked, out of sympathy as the company has gone down the drain with everyone leaving, and informed them I really didn't want to cause any harm - I enjoyed working there and liked everyone as colleagues and as friends. As such I was going to overlook the dismissal issue and presume it was done in my best interests, and that by paying me up to the end of the month they were paying my holiday leave off anyway. (I was nice. Possibly wrongly, but within 4 hours of them telling me I had no job - I had an offer for the next week.) I then asked for reference(s), preferably one from each director; and highlighted the fact I had hardly received any payslips throughout the 10 months I was employed there. I also requested my P45 - they promised this would be done ASAP. --- The next week I still felt like I'd been dumped on, and was rather annoyed to see that despite starting a new job - and despite the fact that they had terminated MY employment with NO notice - I had emails and missed calls; asking for assistance on a project! If they gave me the grace of ONE DAY then they would've got all my handover documentation. It wasn't a malicious decision, but I thought it was best to not answer the calls during my new office hours - and I genuinely felt uncomfortable about assisting them voluntarily. (I had signed a Non-Compete Agreement with the new company after all...!) Unfortunately, as I had followed their instructions to the letter and returned the company macbook pro in the state I received it - newly formatted, there was nothing to be gleaned from this device either. It was after receiving the macbook pro that they stopped all communications. I know full well that there was no data on the machine, so there is nothing that would've reflected badly on me. Had I not formatted it then the only things that could've reflected badly would've been job posting bookmarks anyway. (Besides, it had an encrypted home directory and I never shared my passwords.) Over the next few weeks I realised I still had access to client data, so removed my access to any of it - this was a concern of mine when I realised some of the people who still had access to the data hadn't been involved in the company throughout my whole time there. Knowing this was probably an issue as per the DPA.. once again, I felt uncomfortable, but wanted to leave on the best of terms - so turned a blind eye. -- It's now week 7 and I have received nothing from them; they have, to put it bluntly, shirked their responsibilities and broken their promises. I feel like an idiot for being nice and feel as though my (attempted) act of kindness just gave them an excuse to try and take liberties. Any ideas of where to go next? I'm on a business trip to Sweden for two weeks soon, and want this sorted out as soon as possible really. It's worth mentioning that I have recently cleared my finances out and I'm saving for a deposit on a flat with my girlfriend: but of course, I have no proof of income beyond a December payslip. Additionally, I'm being taxed heavily (according to my new employer, although I didn't notice anything) due to submitting a P46 and not a P45. Annnndddd lastly, I needed two references before I even started this job; but it appears my work has been reference enough - however I am aware that this could crop up in the next two months during my probationary period and cause me issues if they then request them. I'm thinking of emailing them both (read; the other directory too; who poured inheritance in to this venture - just to see it wasted away by some curious decisions that he refuses to get involved with) and informing HMRC tomorrow. (Although I was waiting 30 minutes last time I tried to ring HMRC...!) However I'm beginning to consider whether it may be worth scraping the niceties and bringing up the Unlawful Dismissal and the health issues once more; I let them go in order to save a good friendship and so as to help keep some life in that company: but I've achieved nothing. Sorry for a bit of a rant, thought it best to try and explain as much as possible! Cheers guys!

Hope I'm posting in the right place, would be extremely grateful to get some insight/guidance/thoughts, after short time in-between jobs and unemployed I recently have been offered a job under a "conditional offer" - whilst I passed the credit check, DBS check and am aware I need 5 years checkable work history in refs, it has come to light 1 previous employer just hasn't responded within the last fortnight despite 2 requests from the recruiter and it has now been requested I myself personally 'call' to see if I can get anywhere (never had to do this before and not relishing it either... whilst it was fair to say it was volatile with this employer, was one of those zero hours worker not by choice I really liked to think when I picked up they had overpaid me once and then thanks for honesty this may have aided a reference if for nothing else, I was under the impression they had previously supplied/responded to references requests, this being the first I've heard of them not replying) Like I said there is an agony that stems from being aware of an earlier organisation I'd applied to only within the last year who said at the time they had received a reference from this employer who is now not responding, so I'm thinking crazily could I not just do similar to a 'subject access request' if it comes to it? ironically this occasion saw a withdrawal of job offer due to not passing the credit check then, which now is ok/passable and remember it was said it was a shame there was a withdrawal because they had the references back ??? although I would later discover this application was a bit floored from the start so I can only hope I wasn't lied to then which is why I want to see if they did really receive the references... I appreciate it is Christmas and there isn't much I can do until the new year - leaving me stewing - from experience does anyone know if officially an organisation has to give a certain length of time for receiving reference? (letter when conditionally offered job doesn't say) there is also some money at steak for paying out to have the DBS done which gets lost if application isn't successful with the organisation I'm now hopeful to get a job with Thanks for hearing me out and appreciate any input

I had a debt with Northern Rock when they folded up and was forced by the court to sell our house and pay in full the debt (only just under £6K) which was done in April 2008. The debt was entered onto my CR files with all the agencies. The persons dealing with collecting the debt received the monies but never entered a "Satisfied" entry on the CRA's entries. Next year is 6 years since the debt was paid off and we have a letter from our solicitors at the time showing the debt was paid off. now my questions 1/ Does the entry still remain active on my file because it is not marked as satisfied or does it still drop off after 6 years? 2/ 2 years ago we went into a Debt Relief Order for all our debts and was discharged after 12 months as the terms of the DRO. I have noticed on my CR files that some of the companies that had debts written off under are still entering "defaulted" on every month onto my files. Are they allowed to do this? 3/ I know that the DRO stays on record for 6 yrs and am quite happy about that, it just worries me that because they keep entering Defaulted every month that will keep the entry on there after the 6 yrs has gone because of their updating of the file that way. Are they allowed to do this? some of the other debtors have written the debt off back to zero and no other entries have been made. I hope you can help me so as to stop me worrying any more than I have to.

does cfo regularly report to the main cra`s

Hi Guys Below is a email.... Lemon debt? This email was just received by a colleague of mine...

Hi all, this is my 1st post and I am new to this type of forum. I need some advice with acquiring my credit file from Credit Agencies. I have some questions before I request to see these files 1. I have never applied to access any credit files. 2. How do I go about doing this? 3. Will there be a charge to me to access these credit files? 4. What do I do with this information once I receive it? 5. I do have a bit of debt, one is 19 years old and the last payment I made was in 2001. The other is 13 years old and I have never paid or responded to any communications i.e. letters, telephone. I should also point out that I suffer from severe depression for last the 25 years, I have had a very difficult and troubled existence psychologically and emotionally. So be gentle with me please. No doubt, once I have hold of these files I will be in touch, looking for further assistants and guidance. Any assistants will be greatly appreciated Thank you Jonny

Hello Friends, Will landlord's reference always be considered truthful ? That gives the landlord a good way to blackmail tenants. My old LL did not protect my deposit. Isn't that good enough a reason to ignore such landlord's reference. What is the validity of reference from a person who himself is on wrong side of law? Are there any regulations/directives around this? Any pointers will be appreciated.