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Stan Dinorder

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About Stan Dinorder

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  1. Hi there, I am writing to ask for help in relation to a car loan and HP agreement which my wife took out in 2007 with Black Horse. We were unable to keep the payments up in 2008 and the car was repossessed. The car was sold at auction and my wife was invoiced £12000 by Black Horse. The company invoiced my wife for £12000. The HP agreement was 'defaulted' in March 2009. After which the debt was sold on to various debt agencies. Mackenzie Hall 'ran the debt and my wife repaid monthly. I was staggered to see that my wife's credit rating dropped like a stone on 30th December 2014 b
  2. Sorry to have to use a 'reply' thread but I couldn't see how to start a 'new' topic. I have used the forums previously and have had great success. My wife bought a new car on HP in 2007. Unfortunately, we went through difficult times in 2008 and she defaulted with 'Black Horse'. The car was repossessed. sold and my wife was issued with an invoice for £12k. This was the 'defecit' that Black Horse say they lost. My wife has paid every month towards this debt. The debt has been sold on and sold on again. On 30th December 2014, I ch
  3. I must doff my cap in thanks to the Brigadier for his advice, above. I changed the addressee on my letter of complaint and popped it into the electronic postbox yesterday. The recommendation to address my complaint to 'Richard F. Smith CEO Equifax' brought about my very first reply from the company. A named Equifax employee confirmed that my complaint was, indeed, valid and that her aim today would be to have my credit report amended to reflect the directions made by Court Order of 8 July 2014. I will keep the forum updated. And the CCJ has gone! Many t
  4. The refund credited my account this morning. Thanks for your help and support. Why did my 7th letter of complaint work more effectively than the previous 6? Probably because I emailed this letter directly to James Keeble @ CFO Lending and 'cc'd' the email to 'Faye Smith. Both are currently serving as 'Directors' of the company. CFO acted very unprofessionally throughout but I must also accept my fair share of the blame. I knowingly chose NOT to repay the remaining £75 of the original loan in 2011. If I had 'settled' the account correctly and honestly then none of th
  5. I 'logged on' to checkmyfile.com this morning and the CCJ is still being reported as 'active' by Equifax. I note that Equifax have offices in Bradford. Do you think it would be worthwhile driving over from Manchester with the judgement order and screen shots from checkmyfile.com? Would I be able to speak to one of their Customer Services team face-to-face? I must complete a reference check as part of a property letting agreement. The judgement on my Equifax report is destroying my public credit score with them. I score 363 with Equifax and 909 with both C
  6. I received a phone call from CFO Lending this morning. The lady explained that my complaint had been 'escalated' and that she wanted to apologise on behalf of the company for the problems they had caused. Furthermore, she advised me that CFO wanted to settle my claim and offered a 'full & final settlement' amount of £420.65 to close the matter. This figure had been calculated by taking the total monies taken from me (£698.65) and then deducting the original loan + agreed interest/charges (£278.00). I have just signed their agreement and am now waiting for the payment to credit my acco
  7. Much appreciated - thank you. I have just written a letter to Equifax. Are there any other email addresses that I could use? I have sent it to 'customer.relationsUK@equifax.com. This appeared to be the only one I could find. Any ideas?
  8. NO - I certainly don't have any liability. As a 'Manager' in a small limited company, I make sure that all supplier invoices are accurate and correctly detailed. We had terminated a 'Contract to Supply Services' by giving notice as per our agreement. The supplier is a Technology Contractor and we had engaged him to implement various upgrades for a very well known software manufacturer. The agreed rates were high and so, after missing both 1st and 2nd deadlines, we decided to give the guy notice and find a replacement. The IT Contractor was very unhappy but work
  9. A 'default judgement' was made against me after I had disputed a supplier's invoice at work. The supplier took his anger out on me when I would not authorise payment and wrongly named me as a 2nd Defendant in his online Money Claim. This became a huge problem for me because he had used a 4 year old address of mine in his claim. I received no papers and had no opportunity to defend the claim. Judgement was made 'in default'. I became aware of the judgement through 'checkmyfile.com' 3 weeks after the CCJ was ordered on 4 April 2014. I applied to have the judg
  10. 1. Yes, I spoke to Lloyds Bank after the first debits had been made on my account. I asked to cancel my debit card and for a replacement to be posted. The Customer Services person was not enthusiastic when I explained why I wanted the card to be cancelled. She suggested that I write to Capital Finance One Limited to cancel the CPA agreement but warned me that I still had to agree with them what was still outstanding and how this would be repaid. My email to Capital Finance One clearly cancels the right for them to debit my account. It also sets out why I dispute the charges made against me.
  11. I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefore, still be within the agreed 'o
  12. I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefore, still be
  13. I took a payday loan from Capital Finance One Ltd in July 2011. The loan was £200 and the total repayment was agreed at £278. I did not wish to pay £15 for same day 'faster payment' so the loan finally credited my account 2 days after being issued. The loan was issued on 4th July 2011 and I initially agreed to repay on 29th July 2011 when my salary was paid. On 21st July 2011, I emailed CFO to ask to change the repayment date from 29th July to 4th August 2011. I explained that I had paid interest for a full month and repayment on 4th August 2011 would, therefo
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