It is H and T pawn brokers, I used to cash my personal cheques there back in the day with a post dated cheque and card.

Thats the issue DX athough I recall a few defaults around that time I can not say hand on heart this was one, I guess I am looking to establish if after 8 years without any communication they can mark my file with a default? With the SB can they still default after such a long period of time?

Guys would the fact that no payments or contact had been made I. 8 years mean this is SB ?

Sorry dx I need to prove it or them ?

The date is August 2016 on credit file which is weird as I have had no contact in 8 years

Good Morning CAG Been good of late trying to rebuild my file when out of the woodwork , boom someone has the idea to trip you up and back down goes your score. Back around 2006, had an account of cheqeue cashing with a PB, i had a few financial issues and blah blah. I was mentally unwell at the time and I am fairly certain I was issued with a default in around 2008 but not entirely sure, the period of my metal instability. No payments made since then , no contact. On having something turned down I was certain I would get, I checked my file this week and a late payment entry has been made with a marker of 6, Ie no payment made in 6 months. So 2 scenarios, If they did originally default I dont believe they can again, and if hey didnt, can they really place a marker stating no payment in 6 months when its actually been around 8 years? Your advise always greatly received and may ned further on Lowells issues after this

Yes mate same one

Good evening Had a letter today threatening county court action. These guys had a default on me which lifted in October for around 14k. Having followed advise on here I made no contact and it did indeed disappear from my file. They are now threatening court action having not made any attempt to enforce during the 6 years of defaulting one of the options is to send a "field contact manager" round to discuss, good luck with that they will find it uncomfortable with a wooden their faces I shall not be speaking to them. Realistically, are they able to enforce at county court given that it is almost a year since the default disappeared from my file so technically 7 years? Thanks in advance for responses and your hard work.

Leakie Yes sir I have had various letters in differing guises. I can categorically state, because I was home ill for 6 months etc., that they NEVER ever knocked at the door, I live in a studio and everything is close to the door, bed seatee etc. my neighbour saw one of the visits and described what looked like a kid running back to a car and driving off with the occupant. I can only assume this is to legally charge the visit fee? Anyway yes I have this card and reading these posts I am not going to call it but wonder what can be done? If they are using clandestine operations to get a response does that not breach rules?

Just had one of these offending items! It was letterboxed and I was on my way out saw a male running to jump on his scooter and gone , had no parcel etc so I do not intend calling them!!

good evening I posted here a few months ago re yes car credit welcome finance etc. I had 6 years of defaults and it has now dropped of my credit file. However I have now had letter from hoist apologising for the lack of default notices that I was supposed to have received , and they have now sent them for a 5 year period. Don't really intend responding but curious, if a company enter default on credit file but acknowledge they did not send me the correct notices is there an offence there?

Good evening Having recently been turned down for credit I checked my credit file and found a default for what would have been yes car credit. It was registered in November 2009. This morning I received a letter from Robinson way totally out of the blue. In short I had a car from yes car credit. Had a mental breakdown due to marriage breakup. Had a visit from yes car credit asking for the car keys back As I had paid almost 6 k to them and spent a further 4 k on "wear and tear" I dropped the car back in a road next to office and put the keys back through the letterbox and called them next morning told them where to get the car. Last payment I think was at end of 2008. So question is can they now "buy the debt" so near the limitation ? To be honest the default drops off in November but my last payment was way before that date. Any advise appreciated Thanks

Sounds basically to be a fact find investigation , as above don't worry too much keep us informed.

JP See friend req re pm not enough posts to respond!!

I think it unlikely. Most companies have separate policies on timekeeping and disciplinary , the timekeeping would normally be incorporated under the attendance at work. It would be extremely unusual to use that in conjunction with the final written as they are in effect 2 different policies unless of course they have deemed the poor time keeping as gross misconduct.