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Everything posted by shywazz

  1. Hi. Yep everything in my name. Had car from new and same address for 10 years..
  2. Hi. Yes all documentation regarding motor car in my name. Cheers
  3. Hi. And thanks for the replies. It's correct that I own the car. And indeed only I drive it. I will not be disputing the offence. This is indeed the 1st notice about this offence. Not been sent to other persons. Since the notice was dated on the 14th day after the offence took place. And 2 days for delivery. Total 16 days does this fall foul of the 14 day dead line rule. If so I will dispute for this reason. Otherwise I will just accept the offer of the driver awareness scheme. To prevent fine and points. Cheers
  4. Just a very quick Question on the 14 day rule, The alleged offence took place on 21/05/19 going through lights as changed to red ? Not going to dispute, was going to just accept a What's driving us scheme work shop, however maybe the 14 day rule applies here, 21/05/19 alleged offence, Notice issue 04/06/19 which is 14 days after alleged offence, received notice today 06/06/19 which now totals 16 days from alleged offence ? Thoughts please, reply accepting scheme or dispute under 14 day rule. Many thanks
  5. As a extra note to the comments above, I had a bike stolen which had being fitted with a tracker, I notified the police soon as realised it had been taken/stolen, there gave me report/theft crime number and left it at that, explaining that the bike was fitted with a tracker what could be done, officer stated police didn't have the resources to follow up on bike theft, We ourselves kept track of where the bike was every day for three weeks, informing the police all the time of the bikes where about's, STILL the police didn't bother to act.... The bike was then moved across the border into another police forces borough, and low and behold soon as I contacted that police force, there visited me and took all the details, within 3 hours that force had gone and got the bike back, the person that stole the bike was well known within the forces area, and had a zero tolerance policy on bike theft, where MY OWN police force borough didn't care at all... At the start I contacted my insurance company, who placed a maker on my claim that there was a chance the bike could be recovered and this was to just to report the theft NOT a actual claim been made as yet. On getting the bike recovered, I again contacted my insurance company, and there closed the case with no claim made, and my following years premium hasn't increased....
  6. Being a driver and yes I've had two invoices issued for over staying in a parking eye zone, Sainsbury's... However on each occasion I've gone back into the said store when received the invoices through the post and asked the manager what they can do on my behalf, both tickets were dealt with and cancelled... . My advice would be to visit the place that the possible invoice relates to and ask if anything can be done... It did help that we only do our shop there and are known by most of the staff.. . Fingers crossed this woman seeks further advice and lodges a appeal.. . Really hope parking eye and smart parking and others don't start using this a bench mark for further court cases.....
  7. Hi, Thought I'd nudge this post and reply as best I can, although I guess others with better advice or more info will follow come Monday morning.... Your last sentence is most likely the main reason for the refusal, NOT on the electoral roll is a main issue for lenders, credit scores are only a small reason as to getting refused, myself personally applied and was accepted only this morning for the exact same card company you have being refused by, and my credit past isn't one of the best, Lenders also take into account past credit history, which you might already know about, and amount of credit available to the person applying. I.E you might have several open accounts with used credit or credit available. I note that you state that you have not had a credit card before, then further into your post state that Santander handed you one without you even applying, and other credit cards via post kinda strange. Also notice that you reside in properties, are short, 18 months and 2 years, again this can impact on gaining credit due to instability of moving regularly. Others will reply soon, but its the weekend so most likely during Monday onwards. Best to get a copy of your credit reports? in case there is information on there that you are not aware of.
  8. Anyone had any contact from Motormile, as the redress period has passed, spoken to others who have accounts with this company and nothing heard via them, thought would ask on here for any recent up dates ? Keep checking my e mails even the junk section most days but nothing.. . Really though people would be getting contacted by now....
  9. Think a price increase of just ONE penny is fine, given that MOST every day items have increased by at least 5% plus..... Look at supermarket's the prices have increased by 6% to 10% and gas and electric, again near 6% increase... and council tax, gosh another raise of between 4% and 6% so again, one penny on a stamp is small fry compared really... And at best most folk send through post at Christmas, where's gas food etc is needed every day... I wish all prices for everything increased by just one penny...
  10. Letter from Noddle stating that search is only seen by myself and not third party, it does not damage credit score or anything, search was done by company doing a admin review, nothing more. least that sorts my worry out. Thread to be closed please.
  11. Thanks Bazooba Boo I get what you are saying..... It does clearly state on Noodle and Experian the following statement......... Can anyone search my report? No, you have to give permission for a search to be made on your credit report. This will normally be done as part of the application process for the credit account.
  12. . The company that did search is instant cash loans ltd. .. As behaved myself since 2009 learnt by my mistakes. Noodle still stating that search was for marketing proposes and wont show to third parties.
  13. Company does search 6 years after last dealings with them. Over six years ago , I was in pdl circle, repaid 80% of all loans , and ALL remaining defaults (5 defaults in total) dropped off in 2016, only have one default left on credit file which drops off July 2017 Just received my up dated credit report and one company has done a search on my file, highlighted as an ADMINISTRATION REVIEW for purpose of doing the search on 14/12/2016 although have had NO dealings with any credit company since 2009 when all my troubles began. Have contacted NOODLE who just say search is not seen by third parties, which in fairness is fine, but question I ask is can a company do a search after 6 years of last dealings with them. My credit file has vastly improved since 2015/16 with many defaults disappearing, my credit score/file was dire until last year, now on road to be debt free, and now this search appears. I gave no permission for this search as have no dealings with company who did search.
  14. Wonder how there would be able to contact people who have moved since being a customer. whether repaid or not, a lot of people move and cant be contacted. Same with the other company MMF whom are in process of contacting people, again these people might have moved.
  15. The latest on this is that affected customers will be contacted by end of February 2017 up to now this date hasn't changed, no one I know has being contacted as yet, including myself. I keep looking out for follow up articles but as yet found nothing. The following message still remains on their website: Customers do not need to take any action as the identified customer accounts have been placed in quarantine for several months throughout the process. MMF will contact affected customers by email in the coming weeks or they will receive a letter by post. The company plans to complete the redress scheme by February 2017
  16. Dam recently finished repaying one debt to this company and still Two smaller debts on they file that was going to start repaying... will hold off now, wonder if I will get refund of debt repaid ?
  17. Up-date Massive package arrived this morning, and I mean massive bundle of paper-work, must be at least few thousand sheets of paper work to look through. this relates to FIVE accounts with Bank of Scotland, all threads on here, will now spend next few days reading through all this, good job I'm off work for week, LOL and up date each thread as I find each paper work which relates to each thread. BOS have refunded my SAR fee of £10 due to missing the 40 day time scale, kind of them eh...... Give me couple of days and will up date each one of my threads which the full SAR relates to. Gosh some reading ahead....
  18. Just a up date heard nothing from company after CCA was sent to them, did receive the statement I requested as not had one for two years, so they sent me copy of payments made over last two years, the £1 postal order they took the pound off my balance, but nothing in respect to the CCA has come by post. report has now gone from credit file as six years old has passed.
  19. just a up date, heard nothing from company since CCA was sent in. well passed the time scale payments now withheld until reply received
  20. REply received today as follows Thank you for your request under sec 77-79 of the consumer credit act 1974 We currently do not have this information on file, however I have requested the relevant details which will include a copy of the credit agreement, statement of account and original terms and conditions from the original lender. I acknowledge the 12 day time limit to provide this information before the account becomes unenforceable, however as we have to request the details from the original lender I anticipate that we will be able to provide this within 40 days. If we are unable to obtain the information within those time limits, we will write to you again.
  21. Many thanks reallymadwoman will take a look and see what's what, this debt is nearly paid off, and the default goes this month. but will read from the link you have kindly posted. img001.pdf img002.pdf Gosh finally learnt to up load lol I found this agreement in my box of paper work... thought I would up load. Also have all agreement's from 2008/9 First thing I noticed paper work not signed, and monthly income widely bloated by the company, I have never earned such amounts per month. I have over 120 sheets pf paper work relating to this account. Can someone take a look at paragraph 3.1 and inform me what this charge for credit means ? img003.pdf
  22. I was thinking the same, or the reply relates to someone else's letter and their got mine lol will await until any more replies come through. cheers. 12=2 days have passed already
  23. Yeah I know, just looked at my photo copies, this po just slipped the net, the rest were sent blank slap for that one lol will send it back to them to knock off debt amount as next payment.
  24. Thanks for that. will wait now to see what comes in post in future. will post on this account when more info arrives. thanks for deleting and cleaning thread.
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