Jump to content


  • Tweets

  • Posts

    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Experian - Incorrect information


wotnot
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6006 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have had incorrect information placed on my credit file in the past and it has taken me months to get it removed. How can experian (and others) just take other peoples word that we have defaulted etc. when in some cases we have never had any dealings with the company?

 

Edited

Link to post
Share on other sites

can you explian what was wrong with what I said?

 

I'll say it again in fewer words -

 

 

How can 'one' put incorrect information on someone else's credit file? Be it a senior person at one of the large utility companies or cc companies etc. and then make them prove it was wrong before I see fit to remove it?

 

Do i need a consumer credit license or something?

Link to post
Share on other sites

Form your own limited Company. There are firms that will do this for you for about 100 quid if you Google 'Company Formations'. You can have your own registered office at an address you've probably never heard of, and don't even need to visit if you don't want to.

 

You can then get a Credit license from the OFT for about 485 quid in the name of your limited company, a data processing cert, and then register with the CRA's. You might even want to join an industry body to give your 'firm' some credibility.

 

Let the fun begin. You can phart about with peoples credit records to your hearts content, hold people to ransom and pursue for that 137.10 they owe for some books/CD's/strippogram they had 4 years ago at a previous address....the world is your lobster.

 

You only have to hope your victims haven't found CAG yet, and you're on a winner. It's the fastest growing and most successful section of financial 'recoveries' at the moment. When the going gets tough, the tough get going, by declaring the Company bankrupt and hopping it to Brazil or Paraguay. You might get your photo on Crimewatch but by then you'll be too rich to care about being (in)famous as well!!.

 

 

PLEASE NOTE: I'm joking. That would be highly illegal.... and it wouldn't work anyway, so please don't try.....and I'm NOT suggesting DCA's are bent....just a joke everybody ;)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

Link to post
Share on other sites

Form your own limited Company. There are firms that will do this for you for about 100 quid if you Google 'Company Formations'. You can have your own registered office at an address you've probably never heard of, and don't even need to visit if you don't want to.

 

You can then get a Credit license from the OFT for about 485 quid in the name of your limited company, a data processing cert, and then register with the CRA's. You might even want to join an industry body to give your 'firm' some credibility.

 

Let the fun begin. You can phart about with peoples credit records to your hearts content, hold people to ransom and pursue for that 137.10 they owe for some books/CD's/strippogram they had 4 years ago at a previous address....the world is your lobster.

 

You only have to hope your victims haven't found CAG yet, and you're on a winner. It's the fastest growing and most successful section of financial 'recoveries' at the moment. When the going gets tough, the tough get going, by declaring the Company bankrupt and hopping it to Brazil or Paraguay. You might get your photo on Crimewatch but by then you'll be too rich to care about being (in)famous as well!!.

 

 

PLEASE NOTE: I'm joking. That would be highly illegal.... and it wouldn't work anyway, so please don't try.....and I'm NOT suggesting DCA's are bent....just a joke everybody ;)

 

 

Woohoo, show time. I have dormant LTD companies waiting. Oh what fun I will have with this info.

 

Hey, new business idea - £10 to put a default on someone who has pi**ed you off! I'll be rich :grin:

Link to post
Share on other sites

Woohoo, show time. I have dormant LTD companies waiting. Oh what fun I will have with this info.

 

Hey, new business idea - £10 to put a default on someone who has pi**ed you off! I'll be rich :grin:

 

I hope you've not taken that seriously wotnot!!

 

If you have incorrect info on your file, they will normally only change it if you sort it out with the company that put it there in the first place.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

Link to post
Share on other sites

True, been there. But have you tried talking to some of these companies? They dont give a ***t. I would just like to do what they have done to me, and many others. Then make them beg and send faxes, letters, emails and more letters until I finally say oh, ok sorry its taken months but we will remove it from your file. Then do nothing for another 4 weeks until they start screaming down the phone etc. etc.

 

How can they say you're guilty until you prove yourself innocent? (which is sometimes harder to do when you have never heard of them!)

 

I had a tenant once who moved into a property then called up all the utility companies and said he was moving out and to put all the bills back into the landlorsd name (me). In the meantime I had to evict him for non payment of rent only to find this out whenI was notified that one of them had a ccj against me. Guess how long that took to sort that one out.

 

(ccj removed now of course)

Link to post
Share on other sites

can you explian what was wrong with what I said?

 

It is illegal what you are proposing and would in all likelyhood result in you being sued for damages.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Dannyboy

Just to pick you up on one point - you said it would be highly illegal, are you saying that what they are doing is illegal?

 

Or have they made a mistake - which is what I (and others) could legitimately do? (if we had such a company of course)

Link to post
Share on other sites

Thanks Rory, does that mean I can sue for damages against the company in question?

 

 

BTW I'm joking about starting a company but it just annoys me that this is allowed. Anyone had similar experiences?

Link to post
Share on other sites

does that mean I can sue for damages against the company in question?

 

Yes if you can quantify the damage.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

Link to post
Share on other sites

Well it did put on hold two months of house buying whilst I sorted out the two defaults from B**t*sh G*s (that had absolutely nothing to do with me - old rental property years ago). But I guess as house prices are going down they actually saved me some money :grin:

 

Oh yes and three of my credits cards effectively reduced my limits to near zero when I paid them off in full (as usual) due to information from Experian they said, but no loss there!

Link to post
Share on other sites

Dannyboy

Just to pick you up on one point - you said it would be highly illegal, are you saying that what they are doing is illegal?

 

Or have they made a mistake - which is what I (and others) could legitimately do? (if we had such a company of course)

 

What they are doing is not necessarily illegal unless they have knowingly recorded false and/or inaccurate information on your credit file. To prove they knowingly recorded this false information is likely to be nigh on impossible, as unlike the consumer they are considered to be innocent until proven guilty. They have a myriad of excuses to fall back on, including the old favourite they were acting 'in good faith' on information which they now know to be inaccurate. It could be a genuine mistake.

 

If a DCA 'phones you demanding money on a debt and threaten you with court, - if they have not, and later can not, produce an enforceable agreement along with proof of their legal right to collect they are (in old fashioned blurb) 'demanding money with menaces' which is illegal, the correct legal 'instruments' must be in place before recovery attempts begin...but how many people would be able to prove it in a court??

 

 

I do know how you feel. It was being hassled for a debt that wasn't mine that brought me here in the first place, and it is very much an uphill struggle.

 

All the best.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

Link to post
Share on other sites

Cheers Danny, I know what your saying but this thread been a laugh tonight (Brazil does sound good though!). Thanks to Rory too (and thanks for your supportive advice on other matters, appreciated).

 

Its a shame this goes on, they should be held accountable - what I mean is that experian should remove any information that is disputed until the person who put it there proves its correct, not the other way round.

 

Anyway enough said, unless others have similar experiences?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...