Hi all, If the Fos deem they will not take interest in a dispute because it predates the credit consumer act what options do I have? Is it simply that I must appoint a solicitor? It's quite bizarre because the actual loan was pre credit consumer act; but the actual 'dispute' is after that date i.e. there is no issue with anything previous to that. Equally its debatable if the 'loan' exists in it's current form.. .. i.e. as confirmed by a few solicitors it's a rather grey area... Any help appreciated Cheers

Hi all, Just signed up and will hopefully be learning from and sharing knowledge with a lot of you. I am mainly interested in finance and banking (with an interest, but no qualifications, in financial law, mainly picked up from forums whilst dealing with my financial nightmare) Over the last 6 years I've had some really strange experiences, mainly with my bank and other finance companies I owed money to. Experienced some problems with high interest debt and identity fraud but have now nearly come out the other side (once I've paid off my last £1800 of credit card debt) Looking forward to speaking to you all!

Hi:) Noticed this article this morning: http://www.dailyrecord.co.uk/news/scottish-news/atos-scandal-benefits-bosses-admit-1344278 Excellent reporting I am just disgusted that other newspapers are not running the truth as the Daily Record are. Thank you for fighting ATOS victims corner:whoo:

Hi I have been reading with interest this forum, but I cannot quite come to a an answer for my question so I hope someone can help me My debt is ten years old , has been defaulted , repossessed etc but I am still being chased for charges and interest, residue to the loan and default charges. The debt is not recorded anymore on my CR file and the BH admit to not reporting it as the vehicle was repossessed and sold, Can they take me to court for these charges and report the same to the CRA? I do think I have served my time on this debt and overpaid them as it is.

Hello, i was wandering if their is any legal advice regarding what i believe to false credit reporting but it may be hard to prove, I finished my t mobile contract in Nov 11 when number was passed to three network and final bill was paid on this date. I had been a good customer for 6 years never missed a bill. then in feb 12 i get call from collections department saying that i had missed 2 months bills and my account was in arrears for £23 i didn't realize and paid the bill not thinking about the credit file effect. I only notice this last week when i check my credit score and it was low = poor no chance so i phone tmobile and they said its not their fault and they understand are sorry as i was good customer yadda yadda...... and give me address of the credit teams and said they are the only people who can look and changed anything. i wrote to t mobile and got the reply back today. they basically said the same were sorry that the account has been left open and they will close it as satisfied but in regards to the two missed late payments as these are true we have to report theses as this is in our terms and conditions. i understand they have report missed payments but if the customer doesn't know about it and the fact i paid final bill in November when mobile number was transfer to another company !!! how is that a true fair reflection of my credit status with them ??? so am asking you lovely people if there is anything i can do IE more formal complaint as the nice approach hasn't worked. am not sure on legal status of credit file reporting as its seems to be what they say goes... which i feel is a little unfair!!! so any help whats so ever would be most grateful :roll: Kindest regards, Stephen

Hi there, first post but been looking on here for some time and found lots of help. I have been chased by 1st Credit for a disputed debt. I requested a CCA and was sent a barely legible application form with no sig and no terms and conditions. They have continued with home visit threats and phone calls even after a recorded delivery letter stating that I do not acknowledge the debt and will only discuss in writing, I also stated clearly that I did not wish for a visit. This has led to me asking for their complaints procedure and telling them I am going to report them to the FOS for breaching OFT guidelines. They have replied stating that as I have not acknowledged the debt I am not considered a 1st Credit customer and therefore can not complain to the FOS. Is this correct? I have replied to them asking what exactly constitutes a 1st Credit customer and await the reply. Just wondered if anybody has encountered this problem. Many thanks and regards. tibar

I currently have a liability order from a local authority over council tax. I asked the bailiff company for a breakdown of the charges as the amount they state I owe is £290 more than the original liability order. The amount stated on the liability order from the council is £1175.54 The breakdown of charges from the bailiff company is as follows. 13/01/2012 Debt £1214.54 16/01/2012 Visit 1 £24.50 17/01/2012 Visit 2 £18.00 29/03/2012 Levy Fee £59.00 29/03/2012 Attendance Fee £150.00 Visit 1 and 2 was to an address I previously lived and was not living there at the time they visited. Can they charge me a visit fee for an address I was not living at? The levy fee and attendance fee was at my address but they never made it past my front door and also did not sign anything, I live in a second floor flat so they could not levy any goods in a garden or look through my windows. The bailiff company made me a goodwill gesture and removed the levy fee and attendance fee. Can I still make a formal complaint over illegal fees even though they have now removed these charges?