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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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Old Orange a/c - number codes on credit report


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It's only a niggle but it's really niggling me. I have (had) and account with Orange many years ago where I paid £99 up front for a basic Nokia phone and then got billed at contract rates only for calls made. It was paid by DD so never a problem, never a missed payment. On my Noddle report there are number codes

 

2013 7 0 0 0 0 0 0 0 0 0 0 0

2012 6 0 1 0 43 0 12 2 0 6

 

Everything is then at zero from Feb 2013 to the present day.

Does anyone know what these numbers mean?

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These are the Noddle codes:

 

OK = Okay – payment requirements have been fulfilled

DF = Account is in default

AA = Early arrears (1-2 months late)

PS = Partially satisfied (lower amount accepted by lender)

DA = Debt assigned to external collection company

QY = Query – account under review at request of consumer

ST = Settled/closed

SF = Satisfied (closed following default)

BB = Sustained arrears (3-6 months late)

DT = Dormant/inactive account

DM = Debt management programme in force

UC = Unclassified or recently opened

VT = Voluntary termination

 

And the payment status codes:

 

0

Up to date.

1

One payment in arrears.

2

Two payments in arrears.

3

Three payments in arrears.

4

Four payments in arrears.

5

Five payments in arrears.

6

Six payments in arrear

Edited by dx100uk
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I promise you it's exactly as I've said. The columns on the actual credit report have the months at the top and those numbers are each for one month from March 2012. Probably not as clear as I could have made it because it didn't line up well as I tried to copy and paste but there are only ten months of figures for 2012, not twelve.

 

There is another table which has green circles with 'OK' under them corresponding to these dates and all other dates - probably because the account has never been in arrears.

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Is it your balance history that you are looking at? That will be the balance that was due (and was paid) that month.

That makes more sense. Not one other account I have which reports to CRAs actually shows amounts so I've never seen anything like it before.

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Looking closer I have noticed the same tables on a Very a/c but no amounts showing. I didn't want a credit a/c but couldn't see how to check out without opening one at the time. Out of pure idleness I have used it occasionally - e g can't be bothered to walk across a room to get a bank card out of a handbag so there should be amounts showing on there but there aren't.

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