Jump to content

Champnos

Registered Users

Change your profile picture
  • Posts

    160
  • Joined

  • Last visited

Reputation

7 Neutral
  1. Thought id return with a very funny scenario. My credit record a year ago was very poor, i was on the verge of good rating when i checked last month. Some old stuff had come off and i had a default removed as disputed. Now the default removed has made a comeback. I am naming and shaming Barclays Bank, had a credit card with Predential soemthing like that many years ago, paid it off in the end, no default was issued. Found the default a year or so ago, disputed it it got removed. Left me with some overdue marks but a 0 balance and no default. It has returned a year later heres some info: default entered, March 2002 - Removed ages ago - Returned again witha balance owing of £31, you have to laugh at this. Is a default 5 or 6 years? if 5 its been and gone, i aint waiting for 6 years, have not checked my score yet as not paying when its probably gone down, i was a mere 20 points on experian off of good. Anyone have advice? i have queried it with experian, asked them to remove it NOW and check their old records, also to give me name and telephone of person who decided to bring it back. Doubt they will give me the info as it seems we cant even get info of people killing our credit records these days! So whats your comments? I am close to calling this default "fraudulent" Cheers
  2. Hi again, i know i been gone ages, lost internet becuase work changed securty policys and i could nto acces s this site, well i got internet back at home. Ok well, heres the story, my rating with Experian was very poor, around 540 i think a year or so ago, in march i checked and it was 650 which was still poor. Vodaphone have satisfied my debt and some real old late payments were taken off my record and now my rating is an astonishing 859 which is a mere 22 points from good! Fair right now but will be good shortly. Now all i need is a 0% balance transfer credit card, anyone advise on if this is possible at level good or even fair? probably wait until good though although im changing my high rate loan shortly as well
  3. Sorry all, only had the internet at work and they changed their security policies so i couldnt access site. Now i have the net back at home, charges were repaid IN FULL £1324.13 i think it was, please title this as SUCCESS What is happening with all this "test case" going on? are people still claiming? Well i shall be making a contribution to this great site shortly and shall remain around here Thanks Karl
  4. There is info on claiming, im not sure you can claim though. Wasted costs probably only occurs when they settle up very late, like the day before court. Can you give more detailabout your case, did you even get a court date? I will try to find the link Added - Link below, it appears my above comments were wrong. Although if you have not yet submitted a court bundle then i doubt you have wasted too much time and may not be worth claiming http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html
  5. Thanks Christianajp, if you hadnt told me to call them i probably wouldnt have bothered. I just got the following response:- "A payment is going to you today, should be with you later or tomorrow at the latest" Maybe lies only time will tell, he was alright he sounded bored as hell as you could expect. Worth giving them a bell to ensure your on top the pile i guess!
  6. Only a fortnight? ive been waiting longer than that for my payment which they have agreed.
  7. Im also in the same boat, they are taking a while to process payments. My guess is **** have to pass it on to Lloyds payment people. This is probably where the hodl up is. I didnt sign their form though but hope we both get our money shortly!
  8. Send them a chase along with a copy of their offer. Id be quite stern and say failure to pay up within 14 days will now result in me taking you to court, this will then add fees on to the amount owed. That should get them moving, remember always chase them up as they have probably got thousands of them!
  9. As far as im aware they are under no obligation to honour the offer. It would also be apparent that you cannot use the offer in any court proceedings. Its just a simple mistake they make due to sending out standard letters. I would say they will pay up your claim in full but no more, maybe within 3 weeks, thats the kind of timescales im hearing as they have also agreed to repay mine. Added - Rumour has it they may be making a batch of settlements tomorrow, dont quote me on that though!
  10. Ok a friend is havignt o make a Data Protection request to her doctors for records of appointments for her son. The school are taking her to court as they say her son was not off for valid reasons but she says they knew she was. They were asking for £50 fee now £25, what are the fees for data protection, i thought it was a maximum £10?
  11. Nice one, letter ready and off to post office in a moment to send it to them.
  12. Ok didnt get to send the draft order. Lloyds have sent me a letter agreeing to repay all my charges plus interest etc. Im not sure why although i did send a nudge letter whcih may have helped (some think it doesnt) Please dont change thread to success yet as i dont have the money! I will be continuing my claim until its received, i will also be crossing out most of the terms ad conditions. -Almost victorious-
  13. Hmm you have kind of contradicted yourself about ten times. You smoke heavily yet say it should be banned, its unfair on others yet i guess you must smoke near people. Why not quit if its such a disgusting habit? The long term effects of smoking may be bad but lets be honest in the short term not very bad at all. Yes ban it from places where people dont have a choice, like bars and clubs. But a countrywide ban would send this country down the pan
  14. Heh, drinking will be next but again they wont try too hard 1.5 billion spent on NHS because of smoker (Oh no you think) 9.5 billion made in taxes from smokers (I think you will now get the point) Alcohol is similar in which the government add many taxes on to our Alcohol, in fact when a shipment hits the shores it doesbles in costs because of the government
  15. They are asking you to pay zero or it raises to £150. So send them a letter tsaying "Please find enclosed a cheque for "0" in full settlement of your claim (copy enclosed) I truest this matter is now closed Regards, LOL
×
×
  • Create New...