Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I just checked my credit file out and I noticed several searches on the same day by a company called Search by Quickbridge UK Limited.
Two searches within 24hrs
After doing some checking out I noticed they trade as Wonga.com. Has anyone heard of these guys as this is the first time I’ve ever heard of Wonga!
I’ve had the misfortune of dealing with payday loans before but never this company. And I thought they didn’t check your credit file? Now I have two marks on my file from these guys.
How do I get these removed, I don’t want any respectable lender seeing these twits on my credit file.
According to the CRAs, only the company that performed the searches can authorise removal of them so the first step will be to write to the company and ask nicely (but firmly) that they either remove the search records or provide evidence of their right to perform the search.
Be aware that writing to the company could 'open a can of worms' (but so can checking your credit file) as lots of people crawl out of the woodwork claiming for debts that are not yours but someone with a similar name and date of birth.
If you're not planning on applying for credit any time soon, it may not be worth it because they should disappear after 12 months anyway.
RMW
I am not an expert in law, finance or any related field, I just read a lot. Any advice is based solely on what I've read so please don't take it as gospel without checking it out yourself.
I prefer not to give advice by PM. If you want me to look at something, send me a link to your thread, and if I can help I'll reply on there.
Quickbridge UK Limited
before but never this company. And I thought they didn’t check your credit file? Now I have two marks on my file from these guys.
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