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    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Can a PPC (claimant) refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 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

Monument/Raphaels Bank


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Hello everyone, new here and looking for some advice.

 

I think I may have actually overloaded my brain over the last few days reading through all the different threads.

 

I hope I'm posting in the correct place (first post)

 

my query relates to a default placed on my credit file in Feb 2011 by Raphaells Bank (CCRT).

 

This was originally a Monument credit card, default amount is £1533, credit limit was £750.

 

My question is, who do I send my request to for the original agreement,

as I don't think Monument actually exist anymore?

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Hi Jimbob and welcome to CAG

 

Is anyone chasing you for this account?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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most were absorbed into Barclaycard

 

however they do still exist.

 

why do you need the CCA?

 

are you getting hassled?

 

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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Thanks for the quick responses guys, not getting hassled at the moment.

 

Been through the C.A.R.S phone calls and letters-ignored them all.

 

Had the RISE card opportunity, laughed my ass of at the- transfer your balance and we've got you approach.

 

I've not got my head round all the technical terms and abbreviations yet but.

 

...I'd like to get my credit score sorted out,

 

am I right in saying that if they did not inform me correctly that they were defaulting me via post

that I can dispute and get all information removed from CRA?

 

I have two defaults on my credit report, both are from around 2010/2011,

 

I'd stopped paying on what I thought was principal! (little did I know I'd still be paying the price years down the line)

 

Defaulted with bank of Scotland after changing my accounts to RBS,

not sure exactly what happened as I thought I had zero balance but they charged me £5 per day for unauthorised overdraft.

 

Ended up owing over £600 in charges, made it difficult all round to keep up with payments.

 

My circumstances have changed these days, kids older, different job, not so pig headed about digging my heels in.

 

I'd gladly pay my way back to good credit but still about 2years before they are left to run their course.

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paying wont help really

defaults stay for 6yrs

you'll need to await the defaults to fall off.

thus the accounts go wit them.

 

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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oh sri

 

and no they don't 'have ' to send you anything

 

a DN is not an actual 'default promise'

 

only that they 'could' register one'

 

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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Share on other sites

I may be a bit confused with this process but I'm willing to try anything.

 

Again excuse the terminology if incorrect but..

 

. I was under the impression that if a default was to be placed on my account

I had to be properly notified and given a chance to rectify this?

Hence the next step of a SAR?

 

Also, I was under the impression that the agreement had to be produced and correct for the debt to be enforceable?

 

If I ask for a copy of the CCA enclosing the £1.00 fee

do they not have to produce this under Consumer Credit Act 1974?

 

If they can't produce the CORRECT documentation does this not make the debt unenforceable

and as such I can insist it be removed from my credit file?

 

So in summary, its not about being in the right, its about trying to catch them in the wrong to clear my file.

 

To be fair, I'm not going to make any excuses about being whiter than white and falling on hard times,

I made a booboo by thinking I was 'showing them' because I thought their charges were unreasonable.

(Which I still do....£5,00 per day for literally a matter of pennies)

 

As I said, it's not about getting out of any debt that I actually ran up,

I'd happily pay them to get my credit rating back on a good footing,

even the ridiculous charges that they applied.

 

As I now realise that its best to just not get involved unless you are able to keep your commitments in order 100%

 

Pretty angry that the financial institutions that nearly put our country down the toilet

have the power to point a finger at me and say that I handled my finances badly effectively barring me from credit for six years.

The punishment far outweighs the crime in my eyes.

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I may be a bit confused with this process but I'm willing to try anything.

 

Again excuse the terminology if incorrect but..

 

. I was under the impression that if a default was to be placed on my account

I had to be properly notified and given a chance to rectify this?

Hence the next step of a SAR?

 

- no that's a default notice - intent to file a default, not they 'will'

a file can be marked as default, simply by the fact that you missed or were late paying or ran over your 'limit'

this an automatic process operated by the CRA companies - have a read of their T&C's.

 

Also, I was under the impression that the agreement had to be produced and correct for the debt to be enforceable?

 

If I ask for a copy of the CCA enclosing the £1.00 fee

do they not have to produce this under Consumer Credit Act 1974?

 

If they can't produce the CORRECT documentation does this not make the debt unenforceable

and as such I can insist it be removed from my credit file?

 

- an un-en agreement carries no resultant power to demand this files removal

- the only 'outcome' if un-en, is whomever cant enforce the debt via the courts

until they produce one.

 

So in summary, its not about being in the right, its about trying to catch them in the wrong to clear my file.

 

To be fair, I'm not going to make any excuses about being whiter than white and falling on hard times,

I made a booboo by thinking I was 'showing them' because I thought their charges were unreasonable.

(Which I still do....£5,00 per day for literally a matter of pennies) - whats this payment you are making and to whom?

As I said, it's not about getting out of any debt that I actually ran up,

I'd happily pay them to get my credit rating back on a good footing,

even the ridiculous charges that they applied.

 

As I now realise that its best to just not get involved unless you are able to keep your commitments in order 100%

 

Pretty angry that the financial institutions that nearly put our country down the toilet

have the power to point a finger at me and say that I handled my finances badly effectively barring me from credit for six years.

The punishment far outweighs the crime in my eyes.

 

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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HI dx, sorry if I'm confusing things, seems so clear as I'm writing it but its a little like giving someone directions when they don't know the area and you do. In tis case you guys know the area and i'm the stranger.

 

 

The £5.00 per day was what Bank of Scotland applied to my account for an unauthorised overdraft when I moved my accounts to another bank. I'm not actually sure how the overdraft occurred, I think there was a DD applied for. (probably changed my accounts near the end of the month and just never changed DD's in time)

As I said previously, Raphael chased me initially via C.A.R.S, possibly another DCA and then I was offered a RISE card to transfer my balance on to.

I've not heard from anyone for a long time now over this.

 

 

Checked my Equifax and Experian reports and found that these two accounts (Bos £167 & Raphael £1533) had a big red box with a 'D' in it. Called Bos to try to rectify but they couldn't verify who I was because the account hadn't been used in so long.

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ok so what are the two default dates in the debt summary?

 

and were the BOS bank charges [£5 etc] since nov 2009?

 

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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Share on other sites

Again apologies, been trying to keep it brief but think I Haven't been putting enough detail.

 

Bank of Scotland used to apply a £5,00 per day charge for unauthorised overdrafts upto a certain amount.

(not 100% what that cap is)

 

Start date-05/02/2001_default date 28/06/2010. Last updated 06/07/2011.

 

The account shows default August 2010,

Nothing showing before or after that on Equifax,

just a red box with a 'D' ,default balance showing as £642.

 

I hadn't realised but Standard life have been paying share dividends into that account all this time, bringing the balance down to £167 at present.

(I think a dividend was recently paid, around £55 so when updated probably less).

Ive never been asked or given a payment knowingly since default date as far as I remember.

 

Compucredit (Monument)

start date 28/06/2004 default date 28/02/2011

shows status as settled,

date settled 04/05/2011-date updated 04/05/2011..

 

..default/delinquent balance-£1533.00,

plenty of red marks on the run up to the big red D, two month gap and then a green box with S.

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ok so in all effect

 

there little you can do to either, they will be there till the defaults 6th birthday

then they will vanish

doesn't mean the debt is still not 'owed' mind.

 

as for the card

the settled bit

means it was written off against tax by the OC [Original Creditor] 28/02/2011

 

its now on a phishing list

awaiting a debt buyer to get their grubby hands on it.

 

now, i'm surprised no-one has

 

I bet you have heeps of PENALTY [£12+] fees

and payment break plan [PPI] to reclaim.

 

I bet that's the reason.

 

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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Share on other sites

there is a possibility

if you could prove a DN was sent

and the total in the DN contained PENALTY charges

 

there a chance

but you'll need the data via an SAR

 

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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Share on other sites

It's worth a try,

 

I know the majority of the money BoS were looking for was charges for a fact.

 

I'd need to check what the monument debt was though.

 

Can you give me any advice on how I would find the account number for the monument account?

 

Not sure if I have any paperwork for it.

 

Another thing I thought of was the fact that I know that the latest I banked with BoS was 2006.

 

Would it really take four years for them to default me?

 

Could the date be earlier but showing incorrectly because of standard life dividend payment?

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I think you need to get the data for both

 

you don't need any account numbers

 

just send the sar

 

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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Share on other sites

Thanks dx, I'll go for it with both of them.

 

Your advice has been invaluable,

 

I'll keep you posted on how I get on.

 

All I'm interested in is getting the black marks off my credit report,

 

if I get that done and get any money in the process I'll donate it to the CAG forum.

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theres no quick fix

 

but all is at yet unknown.

 

its all about getting data

 

then going thru it.

 

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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there is a possibility

if you could prove a DN was sent

and the total in the DN contained PENALTY charges

 

there a chance

but you'll need the data via an SAR

 

dx

 

Every DN that I have seen from Monument from around that period

 

Was faulty, only allowed 14 days, date of issue being day one,

 

no time at all allowed for service

 

Your ac probably had the payment break plan (PPI),

 

and as dx says penalty charges as well

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks dx, I'll go for it with both of them.

 

Your advice has been invaluable,

 

I'll keep you posted on how I get on.

 

All I'm interested in is getting the black marks off my credit report,

 

if I get that done and get any money in the process I'll donate it to the CAG forum.

 

 

Rebuilding a credit profile will need a lot more than getting these defaults removed it would seem as dx has said that early removal is unlikely ( not having the agreement does not affect the credit file being updated ).

 

 

Once the defaults are removed you will need at least 3 years to improve the mythical " credit score".

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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