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  1. I need some advice. I have applied for a mortgage and the adviser has told me that a late payment from Barclays for £78.13 (it's not a default) has shown up on my credit file. I was shocked to find that Barclays have put a missed payment marker on for July 2020. On 5th November 2019 I arranged to transfer the balance of my credit card to Virgin as it was 0% interest. I called Barclays and asked for the balance. I transferred £6000. Barclays said the balance was £5980.00 . I transferred £6000. This was paid and then transferred to Virgin. My first payment to Virgin was in January 2020. I thought that this was the end of it and didn't hear anything from Barclays until 7th July 2020 when they wrote to me and said that there was an outstanding balance of £78.13 for the months of June, July and August. I called them on 26th August to dispute this and I paid the outstanding amount of £78.13 which they said was for January, February and March. They are saying that I owed this but I heard nothing from them between 5th November 2019 and 7th July 2020 when the missed payment must have been sent to the CRA's. As this missed payment if affecting my credit file I would like to write to them and ask that as a gesture of goodwill they immediately remove this missed payment record from my credit file with all CRAs they use including Experian and confirm in writing to me that this has been done. I will be asking for all correspondence that they have sent me between 5th November and 26th August and also copies of all calls and transcripts. Thanks guys....Advice appreciated
  2. Well Mortimer Clarke are persistent if nothing else. David from Engage dropped this through the letter box before scuttling away. Exchange Marstons.pdf
  3. Hi Original post form 341 days ago " "Hi not sure if this is in the right place. I received a letter and a call from Mortimer Clarke regarding a debt for MFS Portfolio. The debt is approximately £4k. I wrote to them on numerous occasions asking for details and they never sent any. Mortimer Clarke called me this morning and I had to prise the information from them - the debt is for a scooter purchased in 2004. They told me that a CCJ was obtained in 2008 and was registered as a charge on the house I lived in at the time. In 2011 I got into financial difficulties and as a result the property was repossessed I assume at that time that the purchaser would have been aware of the charge. Would a copy of the judgement they obtained in 2008 still be available. I got the feeling even though they don't have a copy of the judgement. I asked them to send me what they have and we agreed they would get back to me in a month. I told them I would be seeking advice on the matter. There's nothing on my credit file relating to this or the repossession of the property." Mortimer Clarke Have sent a letter (attached). Could someone please advise? I need to be prepared for when engage visit..............................it could be anytime. Mortimer for Engage letter.pdf
  4. Vehicle purchased on 10th October. It was driven that weekend and then was on our driveway until the following Saturday when my son returned from working in London. He took the car to Yeovil on the Monday 19th October. Car broke down on Tuesday 20th October in Yeovil. I have sent him numerous emails asking him contact me to discuss the matter further and he hasn't replied. The final email (sent on Friday 6th November) informs him that the car will be rejected and I'll issue a claim for a refund. He hasn't replied that one either.
  5. Hi my son bought a used car which developed a fault within the first week and had to be taken to a garage in Yeovil by the AA. The fault was a faulty water pump and a leaking thermostat. Cost of repair app £650. We live in Bradford West Yorks and my son he was working away in Somerset so he took the car to Somerset. The car had done about 350 miles before the water pump stopped working and he had to call the AA. My son spoke to the dealer who was aggressive towards him saying the car was sold as seen until my son mentioned his rights under the CRA and then his tone was a bit more reasonable. The garage called the car dealer to inform him of the cost. The dealer said he could get it done for £100. Garage explained that it needed an electric water pump for that particular model of BMW and that he would require payment upfront before any work was started. Dealer said he would pay £300 towards the repair. The garage rejected that offer. The dealer has only contacted me once within the last 30 days and throughout that period I have sent emails asking him to get in touch. The last email was sent within 30 days of the car purchase and said the car was being rejected and that he should call me. I also sent the email which included copies of all the other emails by recorded delivery post. My son has rejected the car and is seeking a full refund of the £2995 paid. The car was paid for on my wife's debit card and he has received the V5 in the post saying that he is the registered keeper. The receipt for the car is from Motor Choice. If we issue a claim via moneyclaimonline should it be in his name or his mums name? I spoke to the garage on Saturday morning and they have said that the dealer can't collect the car until he pays £20 per day storage from when the AA dropped the car off.
  6. BT have come back to me to say that they can't remove the default. In their letter they said "Thanks so much for your patience whilst we looked into the matter for you with the credit file marker. Im so sorry that BT couldn’t help any further due to the debt being sold and already paid to Lowell. Like i explained had you have not been an amazing payer and left the debt we could have recalled it from the debtors due to the error of you not getting your final bill from us at BT. " I am writing to Lowell to see what can be done.
  7. Hi I have a default on my credit file dated 7th July 2018. It was for a £82 debt with BT that they subsequently sold onto Lowell Portfolio. The debt was satisfied in full on 7th November 2019. I rang Lowell this morning and asked if they would remove this as a gesture of goodwill. I am considering buying a house (value £150k) and have been told that my salary and income is more than enough to cover the mortgage. I aslo have the 10% deposit. I spoke with Lowell saying that a debt of £82 is stopping me getting a mortgage and is causing me considerable stress. I was informed that all defaults will stay on my record for a period of 6 years and can't be removed. They refused to remove it and have emailed me saying that "We understand that we have now resolved this matter to your satisfaction and your complaint has now been closed." I have asked them to send all the relevant paperwork from both Lowell and what BT sent them and told them I would go through the Dispute Resolution Ombudsman once I have reviewed what they send me. I also mentioned that I may take legal advice (which I haven't yet) and follow this up through the CC. Time is of the essence and the house sale will probably fall through now as it will take time to go through a process to try and get this matter resolved. Any advice?
  8. Thanks I've replied to them. Will they start sending letters now?
  9. Mortimer Clarke have emailed me a letter and attached a copy of the original agreement signed on 29th June 2004 and a reconstituted copy of the notice of assigment dated 30th November 2007. The letter also states that the county court judgement was obtained on 6th March 2008. Should I email them back and ask for the case number for the county court judgement? Will MFS Portfoli have to provide the court with a valid reason why enforcement of the judgement was not undertaken within the 6 year period and apply to the courts to have the judgment enforced. Is there a standard letter I could reply to Mortimer Clarke with?
  10. Nothing to Kensington but verbally to Mortimer Carke Mortimer Clarke sent standard letters so they have got my address from somewhere
  11. I emailed them and Mortimer Clarke some time ago and they never responded. They have my current address. I have received their standard contact letter. The mortgage was with Kensington and the house was sold. There's no record of the reposession on my credit file either. When they get in touch should I ask them for the County Court case number so I can chase that up?
  12. Hi not sure if this is in the right place. I received a letter and a call from Mortimer Clarke regarding a debt for MFS Portfolio. The debt is approximately £4k. I wrote to them on numerous occasions asking for details and they never sent any. Mortimer Clarke called me this morning and I had to prise the information from them - the debt is for a scooter purchased in 2004. They told me that a CCJ was obtained in 2008 and was registered as a charge on the house I lived in at the time. In 2011 I got into financial difficulties and as a result the property was repossessed I assume at that time that the purchaser would have been aware of the charge. Would a copy of the judgement they obtained in 2008 still be available. I got the feeling even though they don't have a copy of the judgement. I asked them to send me what they have and we agreed they would get back to me in a month. I told them I would be seeking advice on the matter. There's nothing on my credit file relating to this or the reposession of the property.
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