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    • 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!!  
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    • 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.

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      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
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Finally out of debt - but AWFUL credit rating


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Due to taking a good redundancy package (and luckily finding another job straight away) today i have finally cleared my debts. All my creditors agreed to state "satisfied in full" on all my records.

 

Yesterday I had 7 outstanding debts and my credit report stated the following:

Credit Scores & Ratings

 

Using data seen by Lenders

Callcredit 241

Equifax 221

 

Using data seen by Landlords/Employers

Callcredit 327

Equifax 327

 

Negative Attributes:

2 Late Accounts

9 Defaulted Accounts

2 Court Judgments (both say Status Active and i am looking into how to change this)

 

My questions are

 

1) Will paying everything off increase my rating? If so by how much?

2) How can i improve my rating? Have i no chance until the CCJs and Defaults leave account?

 

 

Thank you all

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Due to taking a good redundancy package (and luckily finding another job straight away) today i have finally cleared my debts. All my creditors agreed to state "satisfied in full" on all my records.

 

Yesterday I had 7 outstanding debts and my credit report stated the following:

Credit Scores & Ratings

 

Using data seen by Lenders

Callcredit 241

Equifax 221

 

Using data seen by Landlords/Employers

Callcredit 327

Equifax 327

 

Negative Attributes:

2 Late Accounts

9 Defaulted Accounts

2 Court Judgments (both say Status Active and i am looking into how to change this)

 

My questions are

 

1) Will paying everything off increase my rating? If so by how much?

2) How can i improve my rating? Have i no chance until the CCJs and Defaults leave account?

 

 

Thank you all

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Due to taking a good redundancy package (and luckily finding another job straight away) today i have finally cleared my debts. All my creditors agreed to state "satisfied in full" on all my records.

 

Yesterday I had 7 outstanding debts and my credit report stated the following:

Credit Scores & Ratings

 

Using data seen by Lenders

Callcredit 241

Equifax 221

 

Using data seen by Landlords/Employers

Callcredit 327

Equifax 327

 

Negative Attributes:

2 Late Accounts

9 Defaulted Accounts

2 Court Judgments (both say Status Active and i am looking into how to change this)

 

My questions are

 

1) Will paying everything off increase my rating? If so by how much?

2) How can i improve my rating? Have i no chance until the CCJs and Defaults leave account?

 

 

Thank you all

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Q1. No not dramitically or quickly, lenders look at a minimum of 3 and up to 5-6 years of good credit management,

coupled with their own unique inhouse methods of viewing apllications.

Q2. You are correct no chance, then you need to build a new credit profile over at least 3 years.

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Might be an idea to check Experian (Credit Expert) as well.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Q1, No not dramatically or quicly, you will need to rebuild a credit profile for at least 3 years after the defaults are removed.

Q2, Correct no chance until these are removed then the same a Q1.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi,

 

Many banks update credit reference agencies, so if you have a current account and keep it out of an overdraft this may help. Also if you have a mobile phone contract that you keep running or similar it will show on a credit file. These wont help you much due to the negatives, but they will show that they were kept in goodstanding after the other debts were cleared. In time your credit history will start to clear but this will take years.

 

Please do not think that I am insulting you (I too have had the same problem as you) but it may not be the end of the world that you are unable to get credit. If you have had difficulties and sorted them then it is a relief. Being unable to get credit isnt nice but it is better than getting into further troubles.

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Just one point ALL banks update credit filesand monitor their clients files if necessary.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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i can only say that your rating will improve over time but it does take a while, once debts are satisfied, if you are looking for credit you will find it hard to get at the moment and the more requests you put in the worse it will look on your score.

I got a subprime credit card while my score was not to good, paid it regularly and now have a good rating and cards etc with main stream lenders but it has taken a few years.

If I have been of any help, please click on my star and let me know, thank you.

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  • 2 weeks later...

three threads merged

 

plese keep to ONE thread per issue

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The problem of building a better CRA file now is the

fact that whatever an individual tries to do to improve

their credit status the major lenders are increasingly looking

for longer than the once standard 3 years of credit history

when deciding if to loan or not, so the length of time needed

to reach a level that will give even a ''good'' chance on be

accepted increases in proportion.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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