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lanesra2005

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About lanesra2005

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  1. It is H and T pawn brokers, I used to cash my personal cheques there back in the day with a post dated cheque and card.
  2. Thats the issue DX athough I recall a few defaults around that time I can not say hand on heart this was one, I guess I am looking to establish if after 8 years without any communication they can mark my file with a default? With the SB can they still default after such a long period of time?
  3. Guys would the fact that no payments or contact had been made I. 8 years mean this is SB ?
  4. Sorry dx I need to prove it or them ?
  5. The date is August 2016 on credit file which is weird as I have had no contact in 8 years
  6. Good Morning CAG Been good of late trying to rebuild my file when out of the woodwork , boom someone has the idea to trip you up and back down goes your score. Back around 2006, had an account of cheqeue cashing with a PB, i had a few financial issues and blah blah. I was mentally unwell at the time and I am fairly certain I was issued with a default in around 2008 but not entirely sure, the period of my metal instability. No payments made since then , no contact. On having something turned down I was certain I would get, I checked my file this week and a late payment entry has been made with a marker of 6, Ie no payment made in 6 months. So 2 scenarios, If they did originally default I dont believe they can again, and if hey didnt, can they really place a marker stating no payment in 6 months when its actually been around 8 years? Your advise always greatly received and may ned further on Lowells issues after this
  7. Good evening Had a letter today threatening county court action. These guys had a default on me which lifted in October for around 14k. Having followed advise on here I made no contact and it did indeed disappear from my file. They are now threatening court action having not made any attempt to enforce during the 6 years of defaulting one of the options is to send a "field contact manager" round to discuss, good luck with that they will find it uncomfortable with a wooden their faces I shall not be speaking to them. Realistically, are they able to enforce at county court given that it is almost a year since the default disappeared from my file so technically 7 years? Thanks in advance for responses and your hard work.
  8. Leakie Yes sir I have had various letters in differing guises. I can categorically state, because I was home ill for 6 months etc., that they NEVER ever knocked at the door, I live in a studio and everything is close to the door, bed seatee etc. my neighbour saw one of the visits and described what looked like a kid running back to a car and driving off with the occupant. I can only assume this is to legally charge the visit fee? Anyway yes I have this card and reading these posts I am not going to call it but wonder what can be done? If they are using clandestine operations to get a response does that not breach rules?
  9. Just had one of these offending items! It was letterboxed and I was on my way out saw a male running to jump on his scooter and gone , had no parcel etc so I do not intend calling them!!
  10. good evening I posted here a few months ago re yes car credit welcome finance etc. I had 6 years of defaults and it has now dropped of my credit file. However I have now had letter from hoist apologising for the lack of default notices that I was supposed to have received , and they have now sent them for a 5 year period. Don't really intend responding but curious, if a company enter default on credit file but acknowledge they did not send me the correct notices is there an offence there?
  11. Good evening Having recently been turned down for credit I checked my credit file and found a default for what would have been yes car credit. It was registered in November 2009. This morning I received a letter from Robinson way totally out of the blue. In short I had a car from yes car credit. Had a mental breakdown due to marriage breakup. Had a visit from yes car credit asking for the car keys back As I had paid almost 6 k to them and spent a further 4 k on "wear and tear" I dropped the car back in a road next to office and put the keys back through the letterbox and called them next morning told them where to get the car. Last payment I think was at end of 2008. So question is can they now "buy the debt" so near the limitation ? To be honest the default drops off in November but my last payment was way before that date. Any advise appreciated Thanks
  12. Sounds basically to be a fact find investigation , as above don't worry too much keep us informed.
  13. JP See friend req re pm not enough posts to respond!!
  14. I think it unlikely. Most companies have separate policies on timekeeping and disciplinary , the timekeeping would normally be incorporated under the attendance at work. It would be extremely unusual to use that in conjunction with the final written as they are in effect 2 different policies unless of course they have deemed the poor time keeping as gross misconduct.
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