Hi, I have been directed to this board in the hope someone here can help

I will try to give as much info as possible whilst trying to keep to the point!

In Dec 2007 i moved house, In oct/nov 2008 i got a letter from a DCA AT MY NEW ADDRESS re an outstanding amount of £700 from BG re my old property. I called them and said if i did owe money it certianly wasnt 700!! They said they were employed to recover the money - not enter into negotiation or discuss incorrect bills etc.

I requested that the debt was passed back to BG and i would take the matter up with them.

A few weeks later end of Dec I got a letter stating the debt had been passed back to BG as they were unable to recover the amount. I thought - great they have passed it back cause i asked them too and i can get all this sorted!!

Now, i left it at that as i was 39 weeks pregnant and assummed -foolishly i know- that BG would contact me re this.

I have checked my credit file recently (as i have been offered a new job to start in may that requires me to have a credit check done, offer of job is dependant upon check 14 days prior to me starting the role) and a default for utilities was placed on my file on 14th December 2008 from BG

Surely they cant do this?

I didnt get a notice of default etc, as i would of called straight away.

As i say, i asked the debt be passed back, and 3 weeks or so later i got a letter to say it had been passed back but the default had already been place on my account by then looking at the dates?

Please can someone help - my job depends on this! I know now i was foolish for assuming that as the letter said they were passing it back i was getting somewhere but i could really do with experiences/advice etc

Also, i was informed that a default from a utility co isnt the same as a dafualt on a credit agreement and default notices didnt need to be issued? is this correct

I am so upset about this i dont know where to turn, i phoned the citizens advice but the guy there wasnt much help and i had little patience with him tbh

Hi,

Quick question, A Bailiff has come to my door asking for a large sum of money for a fine that wasn't paid for not having tax on an old car.

 

Question is can I pay the fine and leave Marston out of the loop?

 

Kind regards

i know someone who had simular circumstances. The debt needs to be paid to the baillif - or thats what they were told. They have the responsibility of collecting the debt. my friend tried to 'pass the middle man' but was told to deal with the baillif directly.

if you deal with them(bailiffs) then there can be no complications of have you/havent you paid, and once paid they wont coem knocking again

You don't say whether this was a CCA default, or a creditor/utility saying a bill or invoice has not been paid. You need to discover what the amounts/dates and creditor are and if there are errors. If so, they can be challenged and removed if wrong.

It was for a holiday or something that they got via their catalouge at the time? After speaking with my brother the account was in his name only the default has been placed by 'lowell' and is for £715 it was placed in october 2003, he has found the print out he did of his credit report at the time. the date clearly states oct 2003 but in the new report it states oct 2005.

Now i thought that once a default had been registered it was 6 years, and by the company changing the date that the account defaulted that they are infact holding incorrect info as he defaulted in 2003, not 2005 or am i barking up the wrong tree here?

Thanks once again fro all the help,

The confusion is they like to use terms that frighten - they are saying you are 'in default' of their agreement with you, and have noted this on your credit agency file. It is NOT a default that follows a CCA 'Default' for non payment of a financial agreement.

 

They simply have to say you didn't pay your bill, and your account with them is in default, or has been defaulted. No requirement for a formal Notice of Default or anything like it - a Final Demand or Notice of Disconnection is usually the last thing you get before the default is notified to the credit reference agency.

thanks for the info,so are you saying that it isnt a 'default' as such even tho it clearly states default on my credit report? sorry for the question i just need to be clear in my mind

The default was placed on my file AFTER the DCA passed it back to BG, but i ASKED them to pass it back to BG then i could sort it out with them, and query the amount as BG wouldnt speak to me as it was with a DCA, surely that is wrong to place a default on my file when i am happy to pay the amount - but not the amount they are stating??

Do i have any chance of getting this removed?

It wouldnt usually bother me as i dont like credtit etc but i was made redundant in october and have secured a role as a trainee finacial advisor to start in June (once my maternity leave has finished)- but the terms of my employemnt mean i have to have a credit check done on me, now i have declared that i have no adverse finances - which i didnt at the time..but now i do so in effect i will loose the job

please advise, thanks

sorry for all typos, i have a 12 week old baby on my knee!

hi, after helping my bro look at his credit file i thought it wise to check my own.

British gas have registered a dafault on my file in december 2008 - relating to an outstanding amount from old property in dec 2007. i got dca letters re this and said to them, over the phone that i didnt think the amount was right £700, usualy amount would be £400ish they insisted it was correct and they collected on behalf of BG adn didnt have access to the data- i insisted i wasnt paying and it should be sent back to BG - as the dca didnt seem to be listening.

This was in nov 2008 - (they wrote to me at my new address) I then gota letter stating it was being returned to the original debtor -BG. I assumed taht this was on my request! anyway, i was due to give birth in december so it went to the back of my things to do list. I never heard from BG, but it was only 12 weeks or so ago that the dca said the debt was going back to BG so thought no more of it.

Today i found out they registered a default in dec 2008. Now they never wrote to me to issue a default etc...is the process the same with utilities? as i have never had a default notice, and they obviously had my new address as the dca wrote to me here is it still valid, can i get it removed? i have no issue paying monies owed but no way is it 700 quid

This has really put the spanner in the works as we sold our house in nov 2008 and have been renting til now, we have seen house we want - but now a mortgage in current climate is unlikely with recent default

Also, i was made redundant in October and secured myself a job as a trainee FA, due to start in May after maternity leave but i need a clean credit report to do the job and the company will search my files prior to me starting - this was on the job offer, subject to credit check so i risk now my home and my job.

sorry for the long post but can anyone help???

hi all, i am posting looking for info for my brother, he doesnt have i-net access.

Basically the question is CAN A COMPANY CHANGE THE DATE OF A DEFAULT, IF IT HASNT BEEN PAID? Lookinga t it the default has been placed by robnson way, which i am led to believe is a debt company.

In 2003 he got a default because he split with his g/f (so is quite adament on the dates) he got his credit report over 12 months ago and there was a default notice on there from october 2003.

I assume he didnt pay it as it was from joint accounts. He is looking to move later in the year with work so i suggested he looked at his report again and to start looking into if it is a viable option. that in oct 2009 the default would drop off

Anyway - basically the default that was placed on his credit file in 2003 now states he defaulted in 2005..with an update date of feb 2009.he is adament that it said 2003 12 months ago.

He knows he didnt default in 2005 as he knows whee he was living in 2005 and knows what the debt relates to, and there is no way it was 2005.

Now from my POV he should pay the debt off - hes had the goods so to speak etc. but that isnt the question...

can they change the date of a dafault?

upon further investigation his report with EQUIFAX shows a default date of october 2003 - he has never checked equifax before as we have just set up and account. He already has an EXPERIAN account where he said the default notice was registered in 2003 also, so they have definately changed the date on the default notice to 2005

help/opinions please

as title states really - what do you need to send once they have ignored cca request? i have tried to work this out myself but too complex

thanks guys

Hi ALL

Hope someone can help

we did a cca request in JUne this year and followed up with all relevant letters.

Anyway case went to county court we never got the summons and ccj been placed on my dad (he cant post here as he is blind) we have got the forms from the court to have the ccj set aside and re-heard etc but they want the copies of letters we sent for cca requests - we sent 3 different ones in total i think.

I had them all osrted on my pc buit pc went bonkers and lost all the docs off it - we do have the recorded delivery slips tho

The court have asked which letter we have sent and to send them on, i know we got the templates off here originally.

I have a paper copy of the 1st initial request that we printed but i am at a loss as to where the others are located in this forum...could you please pinot me in right direction as to which we would of sent next

As i say we do have the delivery proof its just the actual contaent we are missing thanks

Hi thanks for the info, i have printed off the info you have given me in preperation and will action.

I do not know if they are saying i have been overpaid for the period they are investigating. I did have a legitimate overpayment as i upped my hours from 16-20 and failed to inform them, I paid this overpayment no problem as i reaslised it was my mistake. The overpayment was only a couple of pounds in the grand scheme of things. it was about £12 a week for 8 weeks or something simular as i upped hours near the end of that tax year.

The investigation is from the period where i changed mortgages etc

I am concerned tho as they are 'investigating' and have asked for things like payslips, mortgage statements, bank statements etc! Although i have nothing to hide i feel like i am being accussed of something!

As my situation is exactly as i have described do you think i have done anything wrong?

My partner never contributed to the house i lived in as he never lived there, but as i say his name was on mortgage as i either lost my home or took his assistance! I assumed that it was exactly the same as my ex being on the mortgage. My dad was going to go on the mortgage with me but suffered 3 strokes in a month and had to finish work so didnt have the income to do so, hence my bf offering

Sorry for rambling and thanks for the help!

So glad i found you guys

I have got an 'investigation' going on with tax credits.

here is what happened. In summary

June 2000 bought house with partner.

May 2003 split with partner

May 2003 started to claim tax credits

August 2004 meet new partner - lives with parents

Sept 2004 ex partner informs me he is buying house with new g/f needs to take his name off mortgage.

Sept 2004- i get mortgage at silly rates as 'high risk' due to multipul incomes etc

May 2006 - fixed rate ends was going to be paying £100 a month more on mortgage - cant afford this! still cant get decent mortgage as income too low

June 2006 - new patrner who i met in Aug 2004 offers to go onto the mortgage so i can get good rate and raise money from equity to pay off loans i had. we do this but partner stays living with patents. I started to suffer with debilitating illness that i was on chempo therapy for and off work, couldnt get out of bed so partner and my parents assisted with my son ie doing stuff i couldnt like bathing him, carrying up to bed, taking me shopping. Coming round before work to get my son up and ready for school. One of them was there between 7-9am then between 5pm-10pm to assist me. At times my parents stayed over as they didnt want to leave me on my own and partner stayed at weekend to give them a break

April 2007 - Decide partner is moving in with me, but doesnt want to live in that house as it was me and ex's house. We sell that house, buy a new one just in his name as my credit rating wasnt great due to 3 missed payments a while ago. so new house in new partners name but i have agreement drawn up at solicitors to protect myself etc.

Basically the tax credit place are stating that as he was on the mortgage at the old property i wasnt a single person? He has wage slips and utility bills from mums house to state he was living there

Now tax credits say i lied to them!! I didnt - they even visited me due to a previuos years overpayment whilst i was off work sick and asked what help was i getting and they could try and assist getting me help. At this point i told them that my mum and dad came to stay a night or 2 a week when i was really bad and my b/f heloped out with son. Surely if i was hiding anything i wouldnt of told them that?

Where should i go now? Is what they saying true? that even tho he wasnt living there i should of informed them? To me it was exactly same as ex-partner being on the mortgage they didnt seem concerned re that?

Basically advice and opinions needed. Please go easy as this is my 1st post here too

Thanks