Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. 6th August 2006 21:39 #1
    lisamellor lisamellor is offline
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    Default bank loan defaulted!! can they do this?

    hi there,

    i have been looking at my credit file recently, and to cut a long story short...

    i got a bank loan with HFC a few years ago, the bank loan will be finished aug 2007. anyway i got insurance on the loan, (luckily as i can not work at the moment) so the insurance company is paying the payments i just have to send in sick notes every 3 months. well anyway on my credit file it says that i have defaulted on my payments. is this right?? the insurance is paying the money on time and maybe once or twice the sick note has been sent in late meaning the payment is a bit late.

    but i recieved a letter from the bank saying that they have paid upto the 14th august ( which is when i need to send another sick note in) so why does my credit report say that i have defaulted as im in front??

    is there anything i can do about this??

    thanks in advance.
    lisaxx

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  2. 6th August 2006 21:44 #2
    elsinore elsinore is offline
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    Default Re: bank loan defaulted!! can they do this?

    Does the default appear on all the CRAs, lisa?

    Elsinore

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  3. 6th August 2006 21:48 #3
    martin2006 martin2006 is offline
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    Default Re: bank loan defaulted!! can they do this?

    have u had a default notice from them?
    if u havent they cant place a default, legally on your file
    Demand that they remove it.

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  4. 6th August 2006 22:14 #4
    lisamellor lisamellor is offline
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    Default Re: bank loan defaulted!! can they do this?

    i am not aware of a default.

    i dont know if it is even a default its on experian and on the file it has number and mine says (8) in red. when i looked at it it says that i have defaulted. have tried to get on line with experian but the system is down. maybe i should look further into it and report back.

    lisaxx

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  5. 7th August 2006 12:46 #5
    lisamellor lisamellor is offline
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    Default Re: bank loan defaulted!! can they do this?

    hi there,

    well been to credit file. its experian i have looked at.

    against a hfc it says [8] at the bottome it says
    the account is defaulted. you have failed to keep to your credit agreement and have not responded satisfactorily to requests to put your account into order. as a result the credit agreement has now ended.

    now i always made my payments on time. i was never ever late.
    when i had to stop work the first thing on my mind was my bank loan, and my doctor gave me a sick note to send in to them, which i did and have done ever since.

    every letter that the bank sent me i responded quickly, i never ignored them, or tried to put it to the side.

    now because i am claiming through the insurance does that mean that i have defaulted?? as i said i dont ever remember having a letter saying that i have been defaulted.

    the bank did send a couple of letters which were quite harsh, so i got on to them saying that the insurance are dealing with it and that was that.

    i havent had any correspondance from hfc for about 18 months and if i do get the occasional letter it is a to offer me a quick settlement at a discount. i contact them in person declining the offer as i am unable to find that amount of cash.

    lisaxx

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  6. 7th August 2006 15:08 #6
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    Default Re: bank loan defaulted!! can they do this?

    Looks to me as if HFC have been receiving payments from Ins.Co. but not marrying them up with your account. If Ins.Co. did not quote the correct reference the payments might be festering in a suspense account at HFC. The HFC system would read 'no payments' to the account and that would trigger off the account default programme.
    Is the date of the default soon after Ins.Co. started making payments on your behalf?
    Ask Ins.Co. how they have been making payments and what reference they used, so that you can inform HFC.
    I would either call HFC and ask to speak to a supervisor or manager, or write to them explaining what has happened.
    This sounds like you are doing their job for them, but sometimes it's the ony way!
    If you can get them to agree that they have been receiving the payments, then you should be able to persuade them to remove the default.

    Elsinore

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  7. 7th August 2006 21:01 #7
    lisamellor lisamellor is offline
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    Default Re: bank loan defaulted!! can they do this?

    cheers !! i will contact the insurance company tomorrow and see how things stand. glad i paid for the top whack gold cover insurance now!!

    lisaxx

    if i have helped you at all click please the scales on top right!

    ABBEY
    11/4 S.A.R - (Subject Access Request) SENT OFF
    1/6 LBA SENT
    22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES
    15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)
    20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.
    8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......
    SETTLED IN FULL!!!!!!!

    T MOBILE i won!
    16/6 Data Protection Act SENT OFF

    5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!
    7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH
    7/9 FULL REFUND BEEN SENT!!
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