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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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RBS Student overdraft default - help please


maunder
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Hello i was wondering if i could get some advice please.

 

 

Trying to resolve my current bad credit rating with equifax (218) with two defaults lodged upon my equifax report

- after years of avoiding i am finally in a financial position to repay/sort out my current credit standing.

 

My basic back story:

 

I had a current account with RBS since 2007

that then changed to have student overdraft facilities added in 2009 when i started studying. T

 

 

he problem being i changed my address & stopped studying (I was only living in temporary accommodation) and neglected to notify my bank of the change - after years of just completely ignoring/not thinking about my maxed out overdraft its finally time for me to repay/sort out my bad credit rating.

 

On my credit report it shows the account defaulted in 2011

- I phoned RBS to see if i could just pay the outstanding balance

and they notified me that i can't get the default removed from my account even if the balance is paid.

 

Is their any other option i could go through to try and get this default removed?

 

 

The account ended in Aug 2011 - so waiting until 2017 isn't really the best option for myself.

 

The second default is for the same address and its a BT broadband bill of £220 that is defaulted on my account.

 

 

This is marked as May 2009 on my credit report

- this means it will expire in this coming may for the six years mark.

 

 

Is it worth just paying this or waiting?

 

 

Regards

Maunder

 

p.s it may also be worth noting my credit rating for the exact same details on EXPERIAN state my credit score rating is 'GOOD'

 

Why would this be?

Edited by maunder
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With the BT one, i would let it run its course :)

Itll drop off soon. Do you know which DCA its with?

 

As for RBS, they are right. Problem is you didnt update your address with them...

If you want to pay it, then do, but if you do , make a F+F offer, and also get it in writing that they will amend it to FULLY SETTLED!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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thanks for the advice - whats a F+F offer?

 

 

Will having it marked as fully settled improve my credit rating

or will it mean the date it will be removed from my file in

- 2020 because thats the last payment paid (6 years)

Edited by maunder
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debts with a defaulted date will VANISH from your file

on the defaults 6th birthday.

 

 

paying the debt off will NOT improve you rating

nor chances of say a mortgage.

 

 

just remember that even after the debts drop off

does nt mean they are sb'd or not still due.

 

 

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 again - however i am a little confused at the last bit -

 

just remember that even after the debts drop off

does nt mean they are sb'd or not still due.

 

 

-- So i should just pay the RBS one and have it marked as paid or??

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paying a debt off whilst it is still on your file

wont improve your credit rating if its defaulted.

 

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

the WHOLE ACCOUNT WILL VANISH, never to return.

.

however, this does not mean the debt itself is not still owed

consider a CCA request.

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

 

 

if people are not chasing you let it run.

 

 

who's to say the RBS OD is all your doing?

 

 

might be loaded with penalty fees

you need all the statements

 

 

time for an SAR.

 

 

F&F means full & final.

 

 

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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