More power to your elbows Sirs. Brilliant work .

winnie69 Am trying to find the same info as you for the nearly the same reason. Would be really good to hear if you have found out anything further?

Debt star. The online CRA's do have the advantage of being quick to access but son has no debit card and they all need one in your own name to sign up. Thanks for trying to help tho. Its appreciated. : )

Ok so far one of the tracers/ debt collectors have written and confirmed removal of their searches. Equifax still havent looked at his complaint - still within their 28 days. Co op have acknowledged the complaint but are investigating. Experian have sent his file - it hold 9 defaults. Just about to start the photocopying and letters for this lot. The letter to Experian has been sent by email tho I am thinking about stopping the email contact and using post instead. Lombard (the big default) have agreed in writing that it is not sons account, they are still investigating how this happened and have asked son to provide an address and date of birth for a relative. Very unsure about doing this as the relationship is not good to start with, relative will be really cross about son knowing all this information. And I'm not sure that Lombard should have even asked for this? Any body any thoughts on this? Legal or moral? Thanks

Hi I posted about a week and half ago about defaults being registered on my sons file. I came on today to update the thread but it has gone? I have even looked under my own profile for all posts and threads but I cant find it. Not sure if I posted in the data protection section or the CRA section. Help needed Ta

OK . I will update just in case anybody wants to follow this. I have written to all the lenders on his file and all of the tracing agents and DCA's. All sitting waiting in their wee envelopes. Tomorrow in uni I will make 9 copies of his Eqyifax file and post them (highlighted of course) to every body. I have also found his medical card so will copy that and send it to Experian along with a copy of his passport, birth certificate, student loans award (which they have already told me they won't accept but he has nowht else) polling card, and letter of confirmation of ER. all recorded delivery - it's not going to be cheap. Keen to see whats going to be on Experian. Is it worth doing Call Credit too?

Just got a letter from Fairfax for an alleged debt of £500. They are coming to my house to remove goods to that amount apparantly. I have SAR the tax office as I stopped being self employed years ago and it was acknowledged by them years ago. But bloody stupid me hasnt got the letter to prove it so SA request sent. Anybody any idea how HM Revenue respond to SAR's?

Yes silverfox. Thank you, you are right. Will get letters done directly to the companies and get immediate removal from them. Considering one of them (Lombard asset finance) has given him a £130000 default for no reason I think they should remove it ASAP. MBNA supposedly gave him a credit card for £5000 when he was 17 (now defaulted)so they will remove quicker than Equifax. There are also about 10 CRA'S tracing searches too. They also need to go. ICO is the same as for you. Will do that too. Ta,

My son (2nd year at uni ) is 20. He applied before starting for a current account before starting uni. It was declined so he just used his old Nationwide account. This summer hes going travelling and decided he needed a debit card. Applyed to Co Op and Ulster Bank. Both declined. Equifax file has arrived. Experian will not send him his file as he can not provide utility bill (lives at home) They will not accept student loans award letters, medical card or polling card. He needs 2 proofs of residency and only has the above and bank stat from Nationwide. Anyway - will work on that later. On his Equifax file he is showing 2 peices of correct info, 1 search to Ulster Bank and electerol info. The file is 5 pages long and none of it belongs to him. Apparantly he has two defaults, one for asset finance ( no licence) and one credit card that would have started before he was even 18. The dates of birth on all these accounts are 29 years older than him and not even similar DOB's. There are different address's none of which mean anything to him tho they are in the same general area as us. He is furious. Equifax has been queried via their online system but they say they will reply within 28 days. He needs it sorted quicker than that in order to get a debit card. Travelling starts in May. Any idea how to get this fixed sooner? Considering that the DOB's are so different, the address's are unknown to him etc.? Surely Equifax should have noticed this? Experian are a nightmare - they just keep on asking for council tax. We live in NI - no council tax here. Rates system. Rented house so rates in LL's name. No council tax. Anybody any idea on either of these? Personaly I think he should go legal with this as he has had his credit ruined for over 2 years & done nothing wrong.

Hope yours goes well too. Good luck

Thanks for replys. In NI where we have a slightly different system. I have found this site which should help. http://www.delni.gov.uk/dremployeeguidancefinal2.pdf Thanks all. Will update at next stage in case any other NI peeps need the info.

Could anybody help me change this from a wall of text? Then maybe I could get some help with the query?

This post concerns a friend who was invited by phone to an 'informal' with her area manager. The area manager turned up at the shop that day with the head of HR. During the informal chat she was told that a complaint had been made about her and she would receive a verbal warning. Friend asked for details of the complaint and was told that it was not a written complaint but a verbal one given to the HR person whilst at tech. The complaint was made within the last couple of weeks and was against a girl with long dark hair. Friend (unknown to area manager & HR until the chat) had dyed her hair blonde prior to that. Complaint then changed to slim girl with long hair. The informal chat was held in the shop while open in-between friend serving customers. When friend queried the hair part and the fact that she had not been invited to a disciplinary meeting the AM closed the shutters of the shop (in busy mall) and screamed at friend stating that there were now two complaints and she was given a verbal warning. She appealed the warning by mail and yesterday was invited to an appeal hearing. The appeal was held in head office with the MD & HR person. Friend was shouted at to the extent that the MD lost his voice. HR person was so upset that she was not capable of taking notes, third party for friend (also an employee) cried for the most part as friend tried to stand her case. The MD told friend that it was his company and he could discipline any of his staff at any time and in any manner he wanted.'How dare you try to get me on a technicality?'; was his war cry. The background to all this is that friend had been approached by AM a few months ago and offered her managers job in return for helping the company get rid of the manager. Friend refused stating that she would not go behind her managers back and she would not do anything untoward to remove her manager. Her thoughts were that if the manager deserved to be fired then company could do it legally. The 'meeting', ended with friend being told that her appeal decision would be in the post and that there were now so many complaints that he would have to put cameras and microphones in the shop to monitor staff behaviour. The shop concerned is one of the better shops in the company and friend concerned was recently awarded best customer service in company on results given by an independent mystery shopping company. This all stems from AM's approach to friend when she refused to go behind managers back to help the company fire the manager. Friend’s manager is aware of the situation and was friends witness in both the verbal warning chat and the appeal meeting. Friend plans to leave as soon as she has another job but although not familiar with employment law I feel that she has a very strong case for constructive dismissal. MD is ex barrister and friend has gone to work today. She has been with the company for just over a year. Any advice on this would be really appreciated. Thanking you in advance.

Breach of contract & default issue http://www.scotcourts.gov.uk/opinions/a187_04.html Cat

Just found this link on another site. Seems that PC World have been fined for giving this guy a default - worth reading. http://www.scotcourts.gov.uk/opinions/a187_04.html

I thought the site had been hacked

I was wondering if any of you on this thread know what happens to the interest on the mortgage after the court has allowed the repossession to go ahead. I am in Northern Ireland and have been told by the Enforcement Office that all interest is stopped after the court ok's the repo. I have some of the statements relating to the accounts involved with the house (repossessed in 2001 & sold in 2003) all of which show interest added untill sale date. Would be very interested to know what happened with the interest on your accounts & if interest was charged how much? Good luck to all.

L &S will have added on 12.5% of the loan when your aunt & uncle reduced and/or missed the odd payment. It is in their terms & conditions. The insurance will be a joint life policy.

BBC NEWS | Programmes | Moneybox | Nationwide customers pay £1m fine The Information Commissioners office were interviewed on Moneybox today.

They collect for Yell directories. I spoke with them the other day - just a typical DCA I got them on the above number which does get answered.

This wont be in the offer letter as life insurance is nothing to do with the mortgage.You probably were asked to sign something stating that you would keep the life policy for a certain length of time. Ask to see it. Sales of life policies are good earners for the broker and work something like this. Life policy sold with a two year "churn" time will cost you (the buyer) more in a monthly premium. If you cancel the policy within the two years the broker gets all or a portion of the commission paid to him clawed back. Thats why they asked you to sign a form stating that you would not cancel within a certain time period. In some cases the "churn" times can be picked by the broker. eg If the broker thinks you will keep the policy for at least 4 years then he may be able to offer you a lower monthly premium for the same product. Rightly or wrongly it is normal practise for these forms to be signed. I have seen people get threatened with CCJ's for not paying these fees but I have never seen anyone get a judgement for it. Friends provident wont care about the policy being cancelled they just claw the money back from the broker. Did the broker charge you £2000 admin for arranging the mortgage or was it an admin fee from the lender? This should be on your offer. Your offer should also contain the amount that the broker would recieve from the lender for introducing the business. If it was an admin fee from the broker I think you could query this. If it was a fee from the broker for the service provided you just got a very expensive broker. Ask to see the signed paperwork about the insurance. They may not have it. Good luck

Hi all Just dropped in - this is very interesting. I just wish I had kept all my old letters from the many DC's I've happened upon in my years. What I have noticed tho is that apparantly BCW Group only formed on 20/July/ 2006 yet I have a letter from them on the 23rd May 2006. On the 27th May 2006 I got a letter from gpb (geoffrey parker bourne) solicitors for their client Aktiv Kapital First Investment Ltd for the same debt. (This was at the same time that Aktiv Kapital could not supply the cca agreement) Very confusing stuff, the way they all seem to be in cohoots with each other. But anyway the BCW Group plc is the opposite of the way you originally asked for proof of paperwork but if it would help you are welcome to it. Ah yes and Welcome Finance (owned by cattles) trade in NI as a loan lender who chase their own debts.

She may be in arrears but she hasnt actually missed one full payment! Thats awful for her. I couldnt possibly see a judge allowing this as long as somebody turns up at the court to contest it. If it comes to court would she be able to handle it ok? The DSS will pay the I/O portion of a mortgage up to £100000 in NI at a predetermined rate - The balance limit of the mortgage balance paid by the DSS may be set at a higher limit else where. I just took a look @ B&W's products and at the minute I cant find any with a Higher Lending Charge under 85 LTV (these do change regularly though) They have charged for counsel - did anybody visit and discuss the details? These people are called mortgage counsellors but are as described above debt collectors. They are supposed to visit and do a factfind of personal circumstances income & expenditure etc. The cost of this service and others that may occur should have been sent with the offer pack or at the start of the mortgage.

I feel very bad for your ex as this must be really hard for her. It is a terrible position to be in. Sorry about this Tamadus but I am a bit confused by the figures. £1800 outstanding but only three months extra aprox £100 a month messed up by standing orders. Were the DSS at fault for starting to pay late or are they historic arrears? Is your ex waiting for a mortgage protection plan to pay out? Is that the insurance you mentioned? If the mortgage payment of £570 is capital & repayment then B&W should not be taking any action against your ex as the £470 paid is more than the I/O payment would be. If not then the amount owed is roughly 12 - 18 months (allowing for charges) part payment missed or 2-3 full months missed. Either way it does not amount to be serious enough to go for possession. I agree that judge would not go ahead with a possession order under the circumstances, especially that your ex can reduce the amount owed by a substancial sum. If you have enough time before the court date DPA them as there are bound to be charges. If not enough time just order an up to date mortgage statement for which your ex may have to pay but which should have the last 12 months charges and payments on it. This should be provided within 7-10 days. Use them as part of her appeal if she has to face B&W in court. Is there any way she could remortgage?

Getting Finance with Mortgage Arrears from APS Mortgages APS are brokers. They advertise on T.V usually on sky channels in between the kids shows. On the site they state that they charge a completion fee typically £2092. It would be interesting to know which paperwork you are taking the fee discriptions from as on the original quote and offer letter the fees should clearly show who was getting these fees and what they were for. Completion fees are common from large brokers, in reality they are a service fee from APS for finding you a lender and processing your application.(they have to pay for their advertizing!) Did you have to pay for your own valuation & legal or did APS cover all/part of the cost?