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axil23

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Everything posted by axil23

  1. There is no contract under my name. I don't have anything to do with it. If anything its a issue between my father and electrician. It was issued by himself personally so what should I do? Once its set aside will it there be any stamp of it on my credit file or does it go off completely?
  2. My Dad got work done at his house where I live 4 years ago. The electrician didn't do something he asked for so he cut of £500 from a £20,000 bill. Today I get a update from Experian that I have a CCJ under my name issued yesterday. Having spoken to the court it turns out that the Electrican issued a CCJ at our old address where we moved from 4 years back. I never got any of the letters or did I get any intimation from the court AND I am not a part of this at all. I only live at my dad's house and the claim should be between these two. I have nothing to do with the bills for the building of my dad's house. My Credit score just dropped from a 5/5 to a 1/5 for something I am not involved in or knew anything about. Spoke with the court who have suggested I pay £150 and do a application to set aside the judgement. Also spoke with Experian who say they will put this down as fraud as it has nothing to do with me but they will need to investigate and can't guarantee that this will clear my record. Also the claim is issued under a misspelt surname. Does that make any difference? What should I do????? Some guidance would be highly appreciated. I have worked hard to keep my Credit history good and one wrong swipe has just ruined it.
  3. Any suggestions? Can I send them a letter before action type email?
  4. Yeah the original was all connected. All that it needed was a cooker to start the supply off. I guess the installers assumed that since there wasn't a cooker they did not need to reconnect the supply.
  5. They are denying the fact that pipe work existed and yes there is physical evidence of the original pipe work being there.
  6. I had a boiler changed in a property I rent out by a big company. They came in and re-piped the entire system from the gas meter to the boiler in the kitchen. There used to be an old lady living in this two bed flat who didn't like gas cookers and used a microwave to cook everything. So in 10 odd years I never had a need for a gas cooker although the pipes for it were always there. Since then the old lady has moved out and when I came to plugging in a cooker the connection was no longer there. So basically when the plumbers re-piped the entire system they forgot to put in a provision for a gas cooker. I should mention that this work was carried out 6 months back for a set fee which I think was £800 and the rest was covered under a grant that the lady qualified for. The installers are now saying that there was no provision for a cooker in the first place which is wrong. Is there anything I can do?
  7. This is what it says. Link http://www.slc.co.uk/media/758479/foi_response_76-14.pdf
  8. Mine was opened in 1996. But haven't the pre 1998 account holders consented all ready http://www.slc.co.uk/media/758479/fo...onse_76-14.pdf
  9. No I did not. I honestly didn't realise they would be such a bunch of crooks. Shall I just start to pay it back?
  10. Yes.... Before I came across this site and saw what they were really up to.
  11. You are right. I have A1 credit so really don't want any stamps on it. The link above your post from the slc website states that pre 1998 loans can be reported.
  12. For pre 1998 loans they are well within their rights to do so..... http://www.slc.co.uk/media/758479/foi_response_76-14.pdf
  13. See the original says that I need to be under the threshold but it doesn't state anything about what qualifies as a income. Interesting article http://www.theguardian.com/money/2014/may/20/student-loan-erudio-under-fire It seems that they are advising credit agencies.
  14. They can be quick when they want to be. someone called me last week about my earning being counted as gross before expenses. I asked them to put it in writing and they sent me a letter today to say that since my gross earning is over £2,000 odd a month I am liable to pay it back. Thats just silly..... So say you own a sandwich shop and your turnover is 50k but you only make 10k after expenses they can't say that your income is 50k. Any suggestions who I can speak to about this?
  15. I will ask them to put it in writing and update "if" they do.
  16. Can anyone advise if legally they are right in their claim that they go of my business income before any business expenses?
  17. From what he we was telling me on the phone this only applies to Property owners as they claim that you are building up a pension by giving a house on rent. In 25 years or so they claim that you will have a paid off house. Yes but so will a person who runs a business. They too will have a business which is debt free and worth something.
  18. I know... I just wanted it dealt with and had the document that they needed so spoke with them. Can anyone advise if legally they are right in their claim that they go of my income before any expenses?
  19. Submitted the form that they asked for and got a call back from one their team leaders who questioned me on my income and bank statements. I advised him that I owned 3 properties through loans and he says that they will go off my income before expenses since I was a Landlord. As a LL I have various expenses which account for more then 50% of the income. If the HMRC calculates my taxes on my take home pay of 16k can these guys insist on me paying back my SL since my income before expenses is 36k. He was saying that if someone gets 36k a year they can't then say they pay 1k for dinners, 4k for clothes, 3k for Petrol. My answer to that was that my expenditure does not include anything that is personal.
  20. dx a lot of people have asked for a CCA request on the other forums. I can't understand what this achieves? Can you advise please?
  21. I just went through some mail that I got yesterday and the letter from HMRC is here that they want. Shall I email it off to them and be done with it? I really don't want to as they have really troubled me.
  22. Can they put any sort of negative remarks on my credit history? Or charge me late payments fees? I have complied with the original request and sent my deferment form off within a week but it hasn't been deferred due to their new requirements.
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