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    • No I have not. I will probably do that
    • Based on ECP's previous, what will definitely happen is this. They will send more idiotic letters. After they will send a Letter of Claim, and it is essential that your brother replies at this point to this to show them he would be big trouble in court. Next it is highly likely (but not certain) that they will crawl back under their stone and that will be the end of the matter. The slight worry is that if they do do court it will seem a likely story to a judge that your brother has no connection to the ticket, when it was him who appealed and replied to the Letter of Claim.  Indeed I think it would seem the lot of you were playing games with ECP and with the court by getting unconnected people involved and then later deny they were involved. So be aware there is that slight risk. You talked about "a mess" in your first post, and you weren't wrong. Someone hires a car and gets a ticket.  There is an appeal.  Who appeals, the hirer?  No, the hirer's mate's son.  Obvious! There is an approach for help to a consumer website.  By the hirer?  No, by the hirer's mate's son's brother! This is so damn silly and totally avoidable. Anyway, it seems the decision has been made for your brother to carry the can so whatever consequences will ensue will ensue. 
    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
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Late payments/Arrangement to Pay - Removal from credit file


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Hi guys,

 

I have the following on my Experian Credit record:

 

Lloyds Credit card - 1 late payment - Sept 06

Barclaycard - 1 month late - Jan 06

GE Capital Store card 1 - 1 month - Oct 06

GE Capital Store card 2 - 5 months of lates - Jan - Jul 06

Shop Direct Catalogue - 5 months of lates and Arrangement to pay for

May to Aug 06. Account settled and closed in Sept 06, but £355 showing in Delinquent balance.

 

NTL - 9 payments 1 month late, 4 payments 2months late, 9 payments 3months late for 2003 and preceding years.

 

I have NO CCJs. But I have had loan applications declined.

 

Question is can these late payments/arrangement to pay be removed from

my credit file ?

 

 

 

Thanks,

 

A

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Im guessing that your problem is the delinquant balance from Littlewoods. Have they registered a default on the account?

 

How did you close the account even though there was a balance still on it? Did you make a partial payment to satisfy?

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Im guessing that your problem is the delinquant balance from Littlewoods. Have they registered a default on the account?

 

How did you close the account even though there was a balance still on it? Did you make a partial payment to satisfy?

 

 

Thanks for getting back to me RRodders! Was beginning to wonder if any one out there would help. Cheers.

 

There is no default registered on my credit file by Kays Lifestyle (Shop Direct), but that the account is under an Arrangement to Pay. I paid off my last balance in November and the account is now fully settled.

 

So my question is that is it possible to get these arrears indicators removed from my credit file for both currently active accounts and for closed/settled accounts (such as Vodafone which I closed on 6/3/05 but still shows up on my credit file)?

 

Your advice will be most appreciated as I am keen to improve my credit record ahead of a full mortage application.

 

Thanks,

 

Abs.

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  • 4 months later...

A County Court Judgement results from a court action by a creditor (a person or company to whom you owe money) that says you have failed to make payments on a debt to them. The County Court will make an order that you must repay the debt and this will then be listed on your credit record. In Scotland a CCJ is known as a “Decree” and are issued by the small claims and summary causes sheriff courts.

All judgement, decree and administration order data is supplied to the credit reference agencies by Registry Trust Ltd., the non profit organisation that operates the registry in the UK: http://www.registry-trust.org.uk

If you receive a new CCJ, you have one calendar month in which to pay the amount in full before the CCJ becomes registered. If you are unable to pay the amount in full straight away you can pay it at a later date. However even paid CCJs will still remain on your credit record for 6 years but potential lenders will be able to see that you have paid the debt. If you have paid your CCJ you should apply to the court where your case was heard for a Certificate of Satisfaction. This will cost you £10.

 

default notice

 

If you have a personal loan or credit card and you fail to make the payments the creditor must issue you a “default notice” before they take legal action. A default normally occurs when the terms of a credit agreement have not been met and the account is 3-6 months in arrears. Under the terms of the Consumer Credit Act of 1974 the default notice should state:

  • Name and address of the creditor issuing the notice and your name and address
  • The type of the agreement and details of how they think you have breached the agreement
  • An early settlement figure
  • The actions that you need to take to comply with the agreement
  • The next action that the creditor intends to take in the event that you can’t comply with the agreement. Usually you will have at least 7 days to comply.

The creditor can start court proceedings if you do not comply with the default notice and this can lead to the registering of a County Court Judgement. The default will be registered on your credit file and will show the date that you broke the relevant term of the credit agreement, the amount owed at the time the term was broken (the default) and the amount still owed to that account. This will remain on your credit file for 6 years.

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