Jump to content


  • Tweets

  • Posts

    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • 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
  • Recommended Topics

Equifax - Creation finance adams store card - default date


In A Pickle
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3326 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Evening everybody - Happy new year

 

I do not understand default dates very much but am under the belief an account will be defaulted around 3-6 months after last payment?

 

I have just received a response from equifax about a dispute I raised because I believed the default date was wrong.

 

 

The default on my equifax record from Creation finance is dated 11/2010

- the last payment to them (as confirmed) by their response is Jan 09.

They have said that the information recorded is correct and that the 'charge off date' was 11/10.

 

Is the charge off date the same as the default date?

 

 

Are they allowed to wait 675 days from last payment to default an account?

 

 

they have added AP markers up until May 2010 and then started the 6 month count until default.

 

They have said that if I still dispute I need to send documents so they can investigate?

 

 

What documents?

 

 

I don't ever remember receiving a default notice

- but by their own admissions they have said that they didn't default until a year and 10 months later.

 

 

Can they default so long after last payment?

 

What should I do next please

 

Many thanks

Link to post
Share on other sites

is this the Viking one with the CCJ CL Finance got?

 

 

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... 

Link to post
Share on other sites

Hi DX

 

No it's not that one, that one is paid and gone.

 

This is an old Adams store card that was being paid back with token payments since 2006

and put into dispute back in 2009 as they failed to provide any CCA.

 

 

The account as far as I remember has never been sold on to a DCA,

the only action since 2006 (when token payments started) has been random fees and interest added:

 

Statement date 6 August 2007

Interest for Purchase £5X.XX

 

Statement date 5 September 2007

Interest for Purchase £5X.XX

These two additions put it over limit

 

Statement date 3 June 2010

Over limit fee £2X.XX

Interest for Purchase £5X.XX

 

Statement date 5 July 2010

Over limit fee £2X.XX

Default sum fee – Late £2X.XX

Interest for purchase £5X.XX

 

Statement date 04 August 2010

Over limit fee £2X.XX

Interest for purchase £5X.XX

 

Statement date 04 September 2010

Over limit fee £2X.XX

 

These fees only came to light after a SAR, and there was no DN provided.

 

 

I have previously written to Creation asking them to explain and remove them but never received an answer.

 

 

It was only reading other threads recently that it appears they waited an unreasonably long time before defaulting

so I am trying to get them to change the default date.

 

Thanks

Link to post
Share on other sites

no-one can change a defaulted date

let alone a dca

 

 

dx

  • Haha 1

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... 

Link to post
Share on other sites

there is no link between default date and SB date.

 

 

as I believe has already been explained to you before on your own thread

 

 

opps no it was someone elses thread you hi-jacked

you've not made thread since 2011

 

 

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... 

Link to post
Share on other sites

^^^^^^^^

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... 

Link to post
Share on other sites

 

I have just received a response from equifax about a dispute I raised because I believed the default date was wrong.

 

The default on my equifax record from Creation finance is dated 11/2010

- the last payment to them (as confirmed) by their response is Jan 09.

They have said that the information recorded is correct and that the 'charge off date' was 11/10.

 

Is the charge off date the same as the default date?

 

 

Are they allowed to wait 675 days from last payment to default an account?

 

 

Can they default so long after last payment?

 

What should I do next please

 

Many thanks

 

Am I able to make a complaint to Creation Finance (and FCA? or ICO?) about the amount of time they took to default this?

 

 

the debt became statute barred on Friday,

 

 

but will appear on my credit file for another 22 months because they defaulted

1 year and 10 months after last payment?

 

Thanks guys

Link to post
Share on other sites

you could try the ICO but:

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... 

Link to post
Share on other sites

Thanks for that DX, I was just looking on the ICO website for it.

 

That says that they should default between 3-6 months, as I suspected, but your 'but' above makes me think I'm missing something? (it's late and I'm a bit slow anyway :|) Can you let me know if I'm missing a point somewhere please.

 

I have just been reading through DBYs thread who had the same problem and it seems I am going to have problems getting this corrected.

 

Thanks for your time DX

Link to post
Share on other sites

there used to be in the old guidelines

that the ICO typically rules in favour of the debtor.

in that 3-6mts is reasonable

 

 

outside that

like the infamous AP markers

they were unfair and should be amended

 

 

however, that bit has been removed from the new guidelines.

 

 

that's the but......

 

 

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... 

Link to post
Share on other sites

Ahhh, I see. Thanks for pointing it out.

 

I'll complain to creation first anyway as I'm interested to know why they took so long to default it? I could do with cheering up and I'm sure their Jackonory will do it!!

And if they don't change the date I will make a complaint to the ICO anyway.

 

Thanks again DX

Link to post
Share on other sites

  • 1 month later...

Hi,

 

Just wondering if you ever got a reply from Creation as to why they took so long to default you .

 

 

I have the same kind of situation,

defaulted on my payments back in 2008

and never heard a peep out of Creation,

 

 

they never tried to chase the debt etc but kept marking my credit file as 6 late payments rather than a default,

they did this up to 2014 when the debt should have become statute barred

and the month before they issued me with a defualt which has been on my file ever since (early last year).

 

 

I have logged in to Experian this week to check my credit score and it had jumped up by 200 points,

had a look and the default from Creation has disappeared,

 

 

just wondered if they have had a case against them and lost meaning they have to amend the late defaulted files ?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...