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  1. Is the account actually defaulted No. The '' date last delinquent'' section refers to the date when a payment was due and not made AFTER WHICH NO PAYMENT WAS EVER MADE. Thats correct on the date but some money was paid but not all of it. There was still an outstanding balance. I asked on that date for more time to clear it. Is this correct no more payments were made or are you continuing to pay? I am paying and as I said I am now a year in front with my payments Or did you miss a payment and then negotiate a reduced payment level? No If you have an arrengement to pay a reduced amount then the bank must report the breach of the original payment terms of the mortgage agreement. Only to pay a small outstanding balance for 2 months! Are your prospectibe employers checking your credit refgerence files with your permission as part of the conditions of employment? Yes, I signed an agreement
  2. Hi, I need some advice Please! I have joinedEquifax and run myself a Credit Report. The Credit Report came back with two problems. 1. Iam currently not on the Electoral Roll. Very easy to fix with the council. 2. A“Date Last Delinquent” on my mortgagefor earlier this year. The problemis the “Date Last Delinquent” has just lost me my dream job! I contacted the bank about this “Date Last Delinquent” entry as I was unawareof a default on my mortgage. I have a Virgin One Account which they cap at aset time of year. At the cap time I amsupposed to have paid enough money to cover the years caped amount. Well lastyear was tuff work wise and we came to an agreement based on my work load thatwe would catch up by April this year. I am a contractor and I had two contractscancelled on me at the start of the year. So I could not meet the deadline of April.I contacted the bank and extended the facility to give me more time to get upto date. I am now currently a year in advance of my payment schedule. I never missed a monthly Mortgage payment and had an arrangement with thebank. But they have told me that because the money was outstanding for over xxdays they report this as a “Date Last Delinquent”. Can I get this removed? How do I get it removed? This really lost me my dream job I am gutted. Designtime
  3. Thank you all for the advice. I am going to wait to see if anything turns up in the post. I suspect he has gone directly to one of these dodgy companies as they did not disclose his insurance details. I bet his insurance company don't know whats going on! I am reluctant to inform the insurance to quickly. They are such a money grabbing load of Bast**ds. I don't trust them either. I will give it a week to see what happens. Design Time
  4. My daughter had an incident on a roundabout last month. A man cut across in front of her my daughter skidded and just nudged his bumper. They both pulled over to the side of the road to have a look to see if there was any damage. My daughters car had no damage at all! His was a tatty old car, but still no damage. They both exchanged details, but he gave a false telephone no. They both agreed at the scene the matter was closed. Four weeks later my daughter has received a phone call from a solicitor regarding this incident. My daughter asked why they were contacting her. The other driver has claiming damage to his car and personal injury! The solicitor was pushing her for insurance details but she told then the matter was closed and hung up! This sound like a con to me. · Why did he give false phone number? · Why did he never contact her for her insurance details · Why has he gone to personal injury solicitor? · Why has his insurance company not written to her? · Why take 4 weeks to contact her. Any advice on what to do would be greatly appreciated Thanks in advance DesignTime
  5. Hi, Everyone, I have a Panasonic TH-42PX600B Plasma TV which has developed a nice blue line right down the middle of the screen. No problem I have a 5 year extended warranty. I Start to do some digging around on the net for phone numbers and find out the supplier Empire Commercial has gone bust! Oh dear! The TV was part of an Direct Line insurance claim. So I don't have a receipt only a few emails to state the delivery date and the additional money I payed for the upgraded TV. Direct Line forced me to go through their preferred supplier Empire Commercial can I go back to direct Line? Can I go back to Panasonic, as I have found out from the Forums that this is a common problem with this particular TV model? Or am I just stuffed? Thanks in advance for any advice. Kind Regards DesignTime
  6. I wish, he told me the case was fax to him at 12.30 for 2.00 appearance or he lied. I think he lied he new to much.
  7. As I understand they can now reconstitute the agreement and it doesn't have to be signed. See Carey v HSBC Bank Plc [2009] EWHC 3417 (QB) (23 December 2009) Carey v HSBC Bank Plc [2009] EWHC 3417 (QB) (23 December 2009).pdf
  8. He was a real slime ball. The more I think about it the more I realize how he was trying to find out stuff. The classic was his opening line are Mr john Blogs as I have two cases another with David Blogs they got mixed up! (Trying to confirm my full name). Asking details about the case tying to get a confirmation the dept is mine. (I said nothing) Trying to help me with misleading advice! Telling me he had not seen the case but new intimate details like the fact they had not even supplied a brake down of the charges. Why would he help me? It stinks. It was more like an interrogation to find out information to report back to Lowlifes. He was defiantly a very doggy bloke.
  9. My Day in Court (Round 1 Win to me!) I turned up to the court wit 30 minutes to spare. I registered with the usher and sat down within 5 minutes a man in suit was asking for me, it was Lowell locally hired solicitor. He had no paper work and asked if I had a copy of the State Demand and my statement. I was reluctant at first to show anything and I thought how disorganised. I hesitated but he said it would save time, he would not have ask for an adornment (I would of objected to this anyway) and Lowell were going to withdraw with no costs anyway. He read my statement and agreed with the simple fact they did not have a signed agreement so they could not take the SD forward. He said a few interesting things like they were advice. The problem is he came across as sleazy lying git! He made these points so if any one can give me advice before round two starts: • They had not been able to find the signed agreement. But they were still looking through all the records on microfiche. This would not be an issue as they can reconstitute one. He referred to Carey v HSBC Bank Plc [2009]. • He talked about Carey v HSBC Bank Plc [2009] and how it meant that fighting a case with regards to a signed agreement would be a case loser. • Lowell will probable now go down the County Court route. • Vale threats I would lose and it would be better to negotiate a settlement for a few pennies for every pound. • He said the fact about not supplying the Default Notice was a red herring and they did not need to serve it by recorded delivery. • He said he had no paper work when we first met but whilst telling me about the Default Notice he mentioned they had signed proof of delivery this rang alarm bells for me (lying git). I think if I had not turned up the solicitor would of nailed me to the floor! He kept making and receiving calls to Lowell. I think I may of screwed up by excepting there withdrawal. Technically they failed to supplied any evidence, Default Notice or meet my SAR and CCA repeated requests but because they dropped the case there is no comeback on them. I also think feel he was deliberately trying to convince me to move away from the Default Notice issue? He tried to come across as a friend. My wife gave him the evils and also thought he was a lying **** bag. I think the letters will start again next week and the home visits. We shall see. Any advice or opinions on what to do next would be greatly appreciated thanks.
  10. WOW! I do feel for you. You might have to use the holiday and be honest and plead poverty. I think you will struggle to get anything from them. If you have a mobile or outlook make sure you put all your important dates as events so you don't forget them!
  11. The points and fine are not for seeding! They are for failing to give the name of the driver! If it was under 40 mph they probably would of offered you speed school and £80.00 fine no points. This will be a mega hard case only option is go and see a specialist motor defense solicitor for advice.
  12. The paper work they sent you would of explained the 6 points and the big fine how could you miss that! They even give a a chance to change the date of the court case encase of any Hols or unavoidable dates! You need good reason for not attending the court case. The fact you were away on holiday will not swing it!
  13. Hi, Had exactly the situation as you. Ours was one of the inferred catso's that don't flash. 1. You have written and asked for a photo. write plenty of letters as these are essential in court and phone them as well. 2. You write again and explain that you cant identify the driver do they have a better quality picture. 3 . You fill out the notice with both names. 4. You will need proof of what you were doing on the day. (most important) Bank and Credit card statements. and printouts of diary's to prove you have exhausted every possible avenue to discover who was driving. 5. You will not be prosecuted for speeding, but you will done for failing to provide a named driver hence the big points and fine. We were lucky because it was also leased car, so the notification took 6 weeks to get to us! The letters they send are really really scary and you have to make a tuff decision. Is it worth the SIX Points to registered keeper and up to 1,000 pound fine or a possible driving ban if you lose? It was a tuffie for us! As we were both genuinely did not know who was driving. I just read your post again I think you may of have stuffed yourself for not attending the court! We went to court and won. They looked at all the evidence we provided and was the most important bit. I was that worried I did go phone a motordefense ltd solicitor cost me £90.00 for the above information! I just read your post again and you may of stuffed yourself by not attending court! I think unless you have some sort of death in the family or you were both admitted to a metal hospital and could not attend court as day release was not an option! Good Luck you are going to need it Ps. The points and fine were all in paperwork they sent you.
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