Thank you. I will be doing both. Kind regards

Thank you for the advice, and yes I will monitor this tomorrow from my own laptop, as fortunately i am working from home so can have both work and private laptop open. Husband has provided me with his account logging details so for the purpose of this thread i will use those details, but will also open an account of my own as the site seems to be a wealth of useful information. I will send acknowledgement tomorrow, and yes signing it as a statement of truth and i will be careful, although the above is extremely accurate. Do I still need to submit a SAR? Ah brilliant, we must have been on the same mind as just posted stating that. I will open my account tomorrow morning - I assume I will be able to follow this thread then ok and post ok. I have been on other forums before, (when completed our immigration papers to Aus) so I think should be ok. Many many thanks.

Hi Yes i did explain as i was asked to provide Express with details of my insurance company and whether i had made a claim with them or not. Gosh this entire thing makes me feel so brainless. Thank you, sure, i have just done so. Kind regards

Hello and many thanks I've taken over from my husband here and once again I am extremely appreciative of your succint summary in points. I confirm point 13 above to be accurate. I also confirm the history of the engagement with the company outline above to be ture and correct. Thank you again.

I’ll find out for you BankFodder, Wife is overwhelmed and gone for a lay-down and I’ll ask her for the facts when she wakes up and will get back to you ASAP. Thanks again everyone for all your help, advice and support.

Hi Please find attached the document. Thank you kindly Apologies for the three part agreement. there was a glitch in the system and unable to unload it all in one thanks all Conditional_agreement.pdf

Thank you London1971, I was in a bad place with the enormity of things taking place at the time the first Express demand of repayment came,and husband did advise for me not to ignore the letter and seek assistance, i ignored it and focused on just getting through my work day- i had so much pressure at work and home with the kids so I simply couldn't cope- this is sincerely how i felt/and feeling right now- although i will fight. I am sorry to hear you have had to deal with this too, and hope your wife is in good health.

Ah brilliant. Thank you. This is helpful regarding the court. And i will upload any intended correspondence on here. I will contact my insurance to open a claim- this sounds sensible and justified. Thanks again.

Thank you kindly for this, hugely appreciated. Yes will call GP on Monday and I'll get the letter. I did get quite overwhelmed with everything. So very sound advice. I will prepare a strong case/letter for the court based on the advice here. Apologies- it will be uploaded shortly. Husband is scanning the document pages and i will merge it in one single pdf soon

Thank you eveybody, (wife writing now) although i will open my own account soon Yes - I was on Anxiety and A/depressant (pregablin- a controlled drug). This also helps with the neuron pain in my neck as it has sedetaing effects as per my GP Just thought at the time that this was the correct course of action, with all the advets on the TV and Radio and know people who went down this route. I have not been on this site before so yes not very wise not to keep records of calls - it should be common sense when dealing with solicitors, ironic as i keep records of lawyers at work when they advise me on a matter and they charge 15 min @£ xxx straight out of my cost centre. I have only dealt with conveying solicitors who are quite clear, so assumed this is the same. Good question- i will find out and read the 40 sth page they have sent me.

Hi Thanks all and replying in order of points raised Yes - correct in the amount £4,000-6000 with i think 25% (on this bracket) I had no clue- i was advised to call those claim injury firms! Haven't got evidence of phone calls unless i get my previous bills, but have evidence of the emails i have received from them following calls incl filling forms repeatedly Haven't asked for the SAR yet but will do so now on advice GP- yes visited and discussed the case in detail and information passed on to Express And yes meds for depression too, my GP knows me for a long time and knows the job i do and we discussed the accident too including my accelerated pain, i actually still suffer from that, had an ex ray later, and was told if i had been in an accident as neck shows damaged vertebra, prior to accident i had a CT scan for my neck, but the accident flared it more. Express did stress me a lot, the people that called were not trained solicitors, just admin/secretary, staff, not even paralegal. Truly not sure why i didn't proceed through my insurance, i had never had a claim before so a bit new to this world Many thanks No i wasn't proceeding through insurance, insurance only dealt with claiming the damage to the vehicle. When completing the forms i didn't claim for medical injury via them as had a case with Express

Thank you again BankFodder and everyone. I'll hand to over now to my wife, who will explain the about points, Hi, i am the wife and thank you all for valuable advice above. First time on here so apologies in advance for any slippages, however i have read the forum's rule this morning they were v helpful. I was rear hit on the M25 slipp road by another female driver early in the morning going for my MOT. I reported the incident to my insurer. I was/am fully comprehensive A week later, i had a neck pain. Also suffer from spondolities of the neck and on daily medication for that. The accident accelarated things so went to my GP, who increased my meds dose (a very strong controlled drug). Contacted Express solicitors- made an injury claim shortly after my GP visit Received email from Express to sign the duly documents -electronically Fees- I vaguely remember they stating somewhere between £4-6k with Express holding whatever % 8 months went on, insuarnce informed me that the other party was not insured and they were pursuing the matter legally, so more forms to fill for the court for my insurance company Provided Express with GP details and other stuff they required- but it was so frustrating as they used to call me during working hours at work, leave a mesasge for me to call back, when calling back after work on my way home i was passed from one person to the other, going over the same information, again another call the next day, probaly to mount their 2 min call Filled out the forms again - i don't know what they did with the first lot- exaclty same forms as first time when claim was raised, inlcuding details on loss days of work, GP visits etc, Kept sending me things to sign electronically which i did I have a very demanding job and lI am responsible and lead a Programme Management Team that delivers high savings for a government organisation, so quite frankly i don't know how I ended up dealing with this Express really, so I used to find the entire situation i was in quite stressful, it was either work or Express after work on my way home. I was quite low and fed up with everything (work and them and life), so one day during my conversation with express, on my one and a half hour comute , (on hands free by the way) i told the girl on the phone to just not bother me anymore with this as i have given all the information they needed, and i wanted them to get on with it. I gave up because i found it stressful and frustrating and couldn't cope with my high pressured job. Thanks all and i didn't mean for it to be such a lengthy post

Hi and apologies for that, i didn't know how to merge all pages as I only had a home printer, but wife managed to merge the pages in one document. I hope this is now more readable without having to switch pages. I have scanned the main pages only so 9 in total. Please let me know if this is what you meant. Thanks again everyone. All_main_documents_merged.pdf

Morning BankFodder, Apologies you are absolutely correct, sorry I’m not very office savvy but will get onto it right away.

Futhermore there is a mountain of paper-work for me to yet to go through but I do have their "low cost conditional fee agreement" and on page 14 of 17, it does set out their Hourly rates which work out an average of £300 per hour. Just trying to draw up the dots and understand the breakdown of costs that can warrent the charges in this summons? So i'm guessing this works out to be about 10 x hours of work, which seems rather exessive!

Thank you BankFodder for your help and advice. I do remember last year she telling me that she had withdrawn the claim as the other driver had no insurance and that Express solicitors were on her case, constantly calling her at work, demanding more information and medical appointments to be carried out. Personal Injury Solicitors | Accident & Injury Solicitors | Express Solicitors WWW.EXPRESSSOLICITORS.CO.UK With over 1000 years combined legal experience, we'll get you more compensation than anyone else. Get a free consultation with our expert... I have used this site many times over the years and always recommend it as the information, knowledge and expect advice found within these forum's are unsurpassed and greatly appreciated. I will forward over the claim form shortly (is this the county court summons) Initially, she was not told that she would be liable for any costs when she withdrew the claim over the phone but buried within their mountain of terms and conditions, there is sections under Claus? section? - that if you cancel, you are breaking the contract and will be in BREACH OF CONTRACT and liable for costs that have been incurred whilst handing the claim. Sorry it’s all very complicated and confusing, I’m at a loss to understand how we got to this point! My understanding is that several months had passed when she first cancelled the claim, until recently when she was informed about the costs involved due to breach of contract which happened last November. Since then, until the summons today nothing has been done! Maybe we could have contacted Express Solicitors and asked them for a breakdown of the cost's and how they got to the figure of £3424.20 but this was not followed through!

Good Afternoon, Never had a county court summons before and have no idea what I need to do? Can anyone please help? Please find below a summary. Wife was involved in a crash where she was hit from behind by another driver. We thought best to use one of these ambulance chaser solicitors, no win no fee to see if we had a claim. Initially details were taken over the phone and the claim started. During the 1-year process, wife’s car insurance company told her that the other party in the accident was uninsured. Wife got fed-up with the constant calls from Express Solicitors requesting docs and visits to her GP and decided to withdrawal the claim. Personal Injury Solicitors | Accident & Injury Solicitors | Express Solicitors WWW.EXPRESSSOLICITORS.CO.UK With over 1000 years combined legal experience, we'll get you more compensation than anyone else. Get a free consultation with our expert... She has had correspondence these last few months from Express Solicitors informing her that they are now chasing her for "Breach of Contact" I understand that we could be liable for the costs involved in the case, while it was ongoing but the costs amounting to our case is for £3424.20. I don't understand if this is a fair amount to have to pay, although the summons is asking for £3000 plus court fee £115.00 and legal representatives costs £80, which is a total amount of £3195.00. Can anyone please help with what would now be the best course of action? Thanking everyone in advance, KR, James.

G'day Everbody, Here's the reply I got yesterday from 3G:whoo: It was a long road to travel but I never gave up. Thanks to all for all your help and suport:grouphug: Power to the people:hippie: Hi Mr _______ I’m sorry you had to write to us again for the default on your credit file. I apologise we’ve not addressed the concerns raised in your previous email. As you may know, we can send the SIM to a UK address only. So after you lost your phone, we sent you the SIM at your UK address. As the SIM wasn’t working, we sent it again twice. I’m sorry if it didn’t reach there and you had to call us a number of times to sort this. I apologise we didn’t inform you of other ways to contact us and incorrectly informed that we can’t call you on a foreign number. I understand this has caused a lot of inconvenience to you. We’ve taken your feedback on board to make sure this doesn’t happen again. I understand you stopped the bill payments, as we weren’t able to help you use the services. Though you’ve cleared the balance but there’s a default on your credit file because of the delay. I’ve arranged to remove the negative entries and the default from your credit file. This’ll be done in around 30 days. If you still aren’t happy and want to take this further, you can follow our internal escalation process. You can call and speak to one of our managers. If you still aren’t happy, the manager can escalate it further. Just so you know, our regulatory body is Ombudsman Services: Communications previously known as Otelo. I once again apologise for the trouble and hope I’ve managed to address your concerns. If there’s anything else we can help you with, give us a call on 0800 358 4916 begin_of_the_skype_highlighting 0800 358 4916 end_of_the_skype_highlighting Monday to Friday 10am-7.30pm. The call is free from a Three mobile, network call charges may be applicable from any other phone. Kind regards Kawaljeet Sodhi Three Customer Services

G'day Everybody, Just got another reply back from 3G:whoo: Just to keep everybody in the picture, i'll first post my follow up complaint to my previous email to these clowns. This was sent almost 2 weeks ago. Dear 3G Thank you for getting back to me again. I'm sorry that you feel upset that I have had to write to you again, please be aware that I will continue to write to you again and again if necessary until I'm satisfied. I made a mistake in my last email to you, sorry its not Experian but EQUIFAX that my account with you is listed (the Credit file company that you use) and so I was wanting to know what steps you would take to clarify the situation. You wrote "However, your amended credit file will still show the default status, default balance and the payment history on the credit file as a true reflection of how the account was managed. I’m sorry to disappoint you" Well I'm also sorry to disappoint you but the question you need to answer me is WHY WAS MY ACCOUNT MANAGED IN THAT WAY. Yes I will agree with you that the payment history on the credit file is a true reflection of how the account was managed BUT WHY DID IT HAVE TO TURN OUT THAT WAY. You have admitted that you were unable to provide me with a working service. Never giving me any other options, other than to use your call centre to try and resolve the problems. Below is the main points in my previous email that you chose not to answer, can you please reply to these points. 1/ The problem was not with the phone but with the sim card. The first one did not work and you would not sent to me directly an replacement (like the first sim card it had to go via the UK?) 2/ The calls to your call centre did not get disconnected nor did I hang up. I was using pay as you go top up cards and being charged $1 dollar min (£0.60p) had the call credit eaten away while I had to explain the situation again and again/put on hold. 3/ I spent over $100 dollars on top up cards during the Oct 2009/Dec 2009 period. To give you an example, it took the call centre 90mins over 3 calls on the 18th Aug 2011 to try to resolve my issues (I only wanted to settle the account) 4/ I BEGGED AGAIN AND AGAIN FOR SOMEBODY TO CALL ME BACK. I was told on many occasions during the Oct 2009/Dec 2009 that 3G COULD NOT CALL ME BACK ON A FOREIGN ALTERNATE NUMBER. Basically I was out of the UK so bad luck. 5/ I happened to come across this online complaints procedure by doing some online searches myself. I WAS NEVER TOLD THAT I COULD CONTACT 3G ONLINE BY THE CALL CENTRE, EVEN AFTER REQUESTING ANY ALTERNATE CONTACT METHODS, it was only through the call centre I was informed. 6/ I simply did not have the money to continue with having to put up with the call centre staff. My complaint is that my account went into Default, not because payments stoped but because you could not provide me with a working service or even help me over the telphone. The level of service I have received is absolutely disgusting and in my opinion borders on criminal. The Supply of Goods and Services Act 1982, states that services must be provided with 'reasonable care and skill and within a reasonable period of time'. This not only covers the service you receive - but the way your complaint is handled. I will continue to write to you but please be aware that I'm now considering contacting an Ombudsman scheme. Can you please let me know which one you use, Otelo or CISAS. Thank You, I think the last part, The Supply of Goods and Services Act 1982 was a nice little gem:clap2: Regards bigdaddy,

Hello fireengine1, You are going to find remortgaging very tough with Defaults on your Credit files. Brigs advice is spot on as always. There is one ray of light, why not try to remortgage with your present lender? its probably your only option. Some lenders wont credit search if you already have a good payment history with them:smile:. It's worth finding out if your lender will do a credit search or not? The advice you will get on this forum is generally black and white, so sometimes it pays to think outside the box. If you know which of your Credit files have the defaults on, you can then find out which leanders use which CRA's and then tailor your searches, its not rocket science. Best of luck, bigdaddy36.

G'Day Everybody, Just another update regarding this saga, Bad news regarding the removal of the Default:violin: Below is a copy of my reply from 3G. Its not the end of the world and like I have said earlier I won't be giving up, its only the begining. I sent an email last week requesting a status of my account with 3G (did thet get my payment) I also asked them as to what will happen to my credit report regarding the Default? I will now follow up with a formal/goodwill gesture as to get the Default removed. Does anybody know of the best way to go about this? What type of wording should I put in the letter? Any help as always will be welcome. Best Regards, James. Hi _________ I’m sorry you had to write to us again about your experience when you called us to know about the balance on your account. I understand you need a confirmation that we’ve received the payment and your account is closed. I’m sorry about the experience you’ve had when you called us. It’s unfortunate to know that you’re unhappy about the way we’ve handled your query. I’ve noted your comments to pass the feedback to the concerned department and we’ll ensure this doesn’t happen again. I confirm that we’ve closed your account on 21 May 2010 and we’ve received your payment of £72.43 on 31 August 2011 and there is nothing to pay. I realise that you’re unhappy about your credit report being defaulted because of an outstanding balance you owed to us. I understand how important it is to have a good credit rating. I’ve arranged to update your credit file. However, your amended credit file will still show the default status, default balance and the payment history on the credit file as a true reflection of how the account was managed. I’m sorry to disappoint you. I appreciate for the time you’ve been with us and the business you’ve given us. We hope you consider using our services in future as well. I hope this information helps. If there’s anything else we can help you with, give us a call on 0800 358 4916 begin_of_the_skype_highlighting 0800 358 4916 end_of_the_skype_highlighting Monday to Friday 10am-5pm. The call is free from a Three mobile, network call charges may be applicable from any other phone. You can email or call us on +44 7782 333 333 begin_of_the_skype_highlighting +44 7782 333 333 end_of_the_skype_highlighting at international rates from abroad. We’ll be happy to help. Kind regards B Nagaraj Prasad Three Customer Services

Hello Everybody, I almost ****ed myself when I got this reply from the clowns at 3G:whoo: not only have I saved mysef over £350 by not paying these fools but I now only have to pay £72 to settle the account:clap2: Never give up people, stick to your guns and have faith:bounce: It was very easy to tie these fools up, I very happy with this outcome:whip: Power to the people Indeed:hippie: Below is a copy of the reply from 3G Hi Mr _______ I’m sorry to hear about the customer service experience you’ve had when you called us to know about the balance on your account. I understand you want to pay this balance to bring your account up to date. I understand you weren’t able to use our services even after we sent you the replacement SIM. However, the problem could’ve been with your phone as well. (bollocks it was the sim as I got the phone unlocked myself:first:) Though you had called us a number of times from abroad, but we weren’t able to perform the checks as the calls got disconnected. (Smoking Crack at the call centre no doubt:smokin:) We also weren’t able to call you back as we didn’t have your foreign alternate number. (F*** off I left my number:der:) We didn’t get the payment for your November and December 2009 bills, so we stopped your services on 22 December. We still didn’t hear from you about the payments and so we closed your account on 21 May 2010. Your contract end date was 20 February 2011 and we normally charge line rental until the contract end date. However, as you weren’t able to use our services you only need to pay your balance £72.43, which includes your November and December 2009 bills:whoo: You need to pay this balance to bring your account up to date. Please refer to the attached document to know about different ways to pay from the UK. If you are abroad, you can use these details to pay from your foreign bank: SWIFT code: MIDLGB2110C (Also known as BIC or Bank Identifier Code) sort code: 40-02-50 account number: 81238817 Please use your three account number as a reference number for payment. Once your account is up to date, please let us know and we’ll update your credit file information. I hope this information will help you pay your overdue balance. If there’s anything else we can help you with, give us a call on 0800 358 4916 begin_of_the_skype_highlighting 0800 358 4916 end_of_the_skype_highlighting Monday to Friday 10am-5pm. The call is free from a Three mobile, network call charges may be applicable from any other phone. You can email or call us on +44 7782 333 333 begin_of_the_skype_highlighting +44 7782 333 333 end_of_the_skype_highlighting at international rates from abroad. We’ll be happy to help. Kind regards Three Customer Services

Thanks Brig, I will follow your instructions:director: and will not contact the DCA at all. Will not call them or even write to them. 3G advised me after my third call to them on the 18th, that the account has now been passed through to C A R S, which I know is a DCA. The clowns would not even tell me who they were, just that I needed to call them ASAP to resolve the case:phone: (talk about washing your hands of the matter) I know only full well that the £72 debt is with 3G, so will only deal with them as they are the source and not C A R S. My final call to 3G forever was on the 19th and was just to state for the record that I wanted to pay the full amount owning and that I was going to deal with them only in writing as they have completely failed to be able to help me over the phone:playball: I left my OZ contact details with them (was told they can not write to me or telephone me overseas) they have my email address, so I have left the ball in their court, so to speak. A few days ago after doing some research online, was able to fine a online complaint procedure:cheer2: I have now raised with 3G (the call centre clowns never told me about that option, even after requesting another option, instead of speeding lots of time and money on the phone to these clowns) I knew only too well that my complaint would be based on very poor help and support received over the phone during the last 18 months. The two hours spent will 3G on the phone to their Indian call centre brought back many bad memories but did serve a propose:eyebrows: I kept it polite at all times and got 3G to list all the times during the Sept-Dec 2009 period that I had called them, happy to hear that all my calls to these clowns have been listed. I was even able to clear up a few points? on some occasions, they stated that I had hung up during the call, I was only to happy to state for the record that I did not hang up but my top up, pay as you go mobile actually ran out of credit while I was on hold, which was the truth. The main goal was to get 3G to tie themselves in knots, which were very easy, talk about given out miss-leading information, theses clowns are the best:photo: To cut another very long story short, I have requested that the complaints team please review my last few calls to 3G (the poor bastard who has to deal with this is going to have one very long case to resolve) HA, HA, HA. Don't really mind how long this will take as its now only just the beginning but I will get this DEFAULT REMOVED IF ITS THE LAST THING I DO:ballchain: Thanks again everybody, James.

Hi Everybody, Just an update, I have recently contacted Hutchison 3G again after 18+months. God these clowns take some beating:boxing: Four calls, three on the 18th and one final call on the 19th (this was just to state for the record that I would no longer be contacting them on the phone again, Period. In total I was on the phone for over two hours, Jesus Christ, just as well Ihave a fixed line telephone and not pay as you go, like i had when I first moved to OZ. Back then it was a Dollar a min to call the UK that's £0.60p, even though I'm now only paying 30 cents per min, two hours will still add up. I only wanted to state for the record, that I wanted to do the right thing (I was careful what I said because I was going to follow up with a full complaint and will want somebody to listen to the phone calls) and pay the full amount outstanding and settle the account. To cut a very long story short, I was bumped around between the call centre and placed on hold for what seemed like forever, given misleading info (keep digging 3G) and at the end told to call back because the supervisors were in meeting:deadhorse: These people really make me mad:censored: One really strange thing occurred to me, was that I had made a mistake with the amount of the Default? The phone contract was for 18 months and I took the phone out only a few months before moving to Oz. After paying the contract for the first four months while I was In OZ, I cancelled because 3G were unable to help me use the phone, ie provide me with a working service or to unlock the Nokia N97 (I wanted to use it for maps ect) Anyhow the 3G clowns stated that only £72 was outstanding and after my repeated requests for them to put that amount into a final written settlement figure, were unable to help? all they can do is to re-print a copy of my final bill:frusty: I thought, If I could just pay the £72 outstanding balance, then my account with Equifax will show as settled and then I can request as a goodwill gesture, hopefully:flypig: to get 3G to remove the default? For the record I have just got my report from Equifax and yes the DEFAULT IS ONLY FOR £72.46, BLOODY HELL WHAT AN IDIOT I HAVE BEEN:mad2: I thought it was for around £330 because of the 10-12 months left on the contract? But it’s only for £72. I feel very stupid for not getting my facts straight, sorry everybody:noidea: Anyhow this is just an update? Will get back later, need to hang my head in shame guys:yield: Thanks Everbody, James.

Hi Everybody, Spoke to Santander yesterday and was told that when you want to remortgage with them and already hold a mortgage with them, that no Credit checks are peformed. Very happy with that news:wink: but not too sure as to which CRA's they would use for new customers? I now have peace of mind, as not only do they not Credit check but also take your word as to any changes of circumstances:oops: I know its a little bit naughty (I have lived in Oz for two years) but the less they know the better, I just want the option of remortgaging to a better deal when I return home next year. Thanks Everybody, James.