some more information like how many payments you missed. how long between the first payment missed and policy being cancelled and are you saying the bank never sent you a letter either saying they didnt make payment.

right

as i see it they saying you logged on using your user account and changed mr j bloggs

11 ahouse road

atown

acity

apost

to

mr bloggs

you are dead etc

and the data controller responsible for the accuracy of all data shared updated the credit file

gee what a smoke screen

now i am lost here

are they saying the user name and password you set up with payday loans the same as the user name and password they use to update credit files. are they saying your the hacker. if so why have they not called the police?

i doubt you will get it removed. ive just posted a similar situation for my neighbour. he is contacting is MP. credit data controllers are ruining peoples lifes. as long they sent a notice of intent to default and notice of default they have a right to do it and you wont be able to prove they didn't send them.

and sadly if your buying a council house it gets worse only one sub prime lender would accept you but you would have to have it satisfied and raise 10% without using credit on top of your discount and the the interest rate is around 6%

my view is. if they default you and it remains unpaid after six months. it should be removed unless they obtain a county court judgement unless they have a good reason why the havent gone through the courts ie unable to trace you etc

otherwise you will have to wait until it drops off after 6 years or lenders become more lenient

ICO would advise you to take county court action yourself if you felt mis sold

if you bought the dongle over the phone you could ask if the recordings are still available. i got one removed for a friend against eon 6 months ago. he argued when he switched suppliers eon told him that the £1200 outstanding would not be on his credit file behold they defaulted him even though he was paying it monthly but hands up to eon they had the recording and removed it

ps if it was a hacker let us know. i,m sure he can also remove stuff as well

It might be worth asking them to elaborate on that, police will be running round in circles. i have a friend, who has a friend, whos a bit good with NATS and IPs,he wish's to remain annon. He says, ask the credit ref agency for the IP and refering serverr details and time that it was done, i think all would be available under a SAR request but 80% of the time, a nice phone call will do. ask the agency how many views its had,

 

you would not believe what i have previosly uncovered using SAR requiest.

 

Be focused whne dealing with this, dont let them talk to much about your credit file, make them focus on why the statements on there. My friend, whos also good at searching large data sets, wanders if there are any offensives statements on other peoples credit files, from this, time for a googlewhack

the police can trace to IP adress

next doors son is sending a email to his MP and want to know is he doing it right or wrong.. it hasnt been sent yet so some advice would be helpful

so far it says

"could any thing be done about the way companies are able to issue defaults like confetti

i had a dispute with a company for £2500 which they issued a default on the credit reference agencies. i asked why they didn't use the county court to resolve it. their reply was because we wouldn't win and the only thing they could do was issue a default.

after researching the internet. this type of thing is wide spread and once added there is little that can be done to remove them

my problem is now we wish to buy a house and the mortgage company have told us that we have no chance while the default remains on the file whether it is settled or not. only way forward would be to use a subprime lender that would cost thousands more.

could the rules be changed to protect the public. i was thinking that was a default was issued. after six months and the default remained unpaid and no county court judgement obtained. then it should be removed unless

unable to trace debtor

debtor in a payment plan

debtor bankrupt or in an IVA

debtor in dispute and more time needed to resolve it"

London Borough Of Newham

Maud Street

Canning Town

E16 1HH

if they handled the repo and sale you only need ask how much the arrears were and how much the house sold for. they must have the figures

hello people

 

Thank you for your advice. I understand a bit better now, I won the case quite a while ago The person does not own a garage but does own a separate business and was selling cars on the internet auction site on his account. I know he sells cars but its hard to find this out I even had print outs at court and the judge said are you selling cars he replied I am selling them for friends cars were sold for Thousands of pounds and he owed me the money then.

 

The thing is I am not sure on costs as at the moment I don't have work so its very hard to afford any more money.People say it costs me £60 do you know if i have to pay this or can i get it wavered ?. Also I have heard that if the don't collect cash i have to pay £60 if i had the money i would pay a Private Investigator,they guy even filled out the trader part of the logbook and it had something motors on. dvla will not tell me the information.

 

The person also was selling a land rover out side of his home with trader plates on DLA was not very helpful and would not provide me with information. as regarding The car the first court hearing the judge did ask about the car,he said could he have it back I said yes.this was recorded,The second hearing we were both there and the defendant asked the judge what about the car The judge said it has nothing to do with him.

 

the person Even told wrong info on form I asked for him to be consider for contempt of court but nothing happened just the money issues really now thanks for your advice people

 

Sg

You could consider an order for questioning

Look into is bank accounts to see if he is trading

no the money would be removed from his account and transferred back to your credit card. he still has a chance to but his side of the story but it really does not matter

debit cards will freeze the money in his account while they investigate

if you do a charge back then they will owe you no money

if you can do the charge back there will be no need for a claim

i would proceed with the claim

just do your homework first. check on companies house etc. get someone to go in and see what name they are trading under etc see if they can see the employers liability insurance and what name you use.

it might be on the till receipt

if you went by the name over the door could bloggs boutigue. they could be trading under john bloggs ltd and all goods belong to john bloggs ltd

what did your letter state

did you give a time frame etc in dealing with your request. it does sound a pretty straight forward case in your favour. you you must give them a chance for to redress your issues

i agree some people are just out to avoid paying debts that in turn have a knock effect to the ordinary person on the street. the BBC seen to be highlighting this and avoiding showing the debtor with three kids doing three jobs and have a bully on the doorstep collecting a payday loan.

payday shop direct vanquis credit cards and all these big companies that target low income families and people on benefits know the risks. hence the high prices and high interest rates they charge. these are the people who this site help

as for todays program a guy put a £16500 deposit down on a porsche in a seemly reputable showroom and the company simply changed the name and £16500 deposit lost. these are debtors the government should clamp down on

[quote=

Have you registered the CCJ so that it affects the Defendant's credit rating?

the court will automatically register it 30 days after judgement

you can apply for a writ. this will request the warrant back off the county court bailiff and transferred to the high court. unless the judgement state you need to return the car i would sell it.

do your homework about the trader first. ie ltd company. sole trader etc. they seem to be only showing the success stories on the TV. the other show about bailiffs showed 2 HCEO driving from london to birmingham with 20 writs and returning on the night not collecting a penny

you could write to the county court requesting an update but ask for more detail of the visits made. not just a date and time. if he has a forecourt there is no reason why a levy has not been made.

court bailiffs are civil servants and are salaried staff. and don't received commissions or bonus. they are reluctant to give out their contact numbers to claimants.

was it the registered keeper who parked on the land

this is my understanding of a county court bailiff. there is no minimum amount. the average amount on a warrant is £197.25. the claimant when issuing the warrant for example on a £4000 debt chooses how much to they want on the warrant. the cost of the warrant £100 + £95 off the debt + £2.25 solicitors costs so asking the bailiff to collect £197.25. i don't why they don't just issue it for £4000

they collect upto £5000 unless its under the consumer credit act. for which there is no limit on the warrant.

if its not under the consumer act. lets say paid a builder £25000 not done the work the they can split the amount £5000 on the warrant and 20000 outstanding.

after speaking the enforcements at the county court who tell me they can not force entry on a private dwelling because there is not a judge in the land who will give permission. they can do but a case went belly up on one they did years ago and judges will now run a mile

however they can force entry on a commercial premises but not on a first visit and even then they would have to get permission of a judge first.

so hceo say they can force entry . do they have to get permission first

should video the removal . and only use reasonable force . also talk to who your removing saying don't struggle and no one will get hurt. i am using reasonable force to eject you from private land> the more you struggle the more reasonable force i will need to use.

i just took mine back and told them that i was gonna keep using my old box because to many channels were missing with the new box. they give me a refund. no problem

They can talk **** and keep a clean shirt

so they got the BBC bull****** for them as well

wonder if they had debt collectors after them

watching BBC1 the sheriffs are coming. in each episode it keeps saying Sheriffs have more Powers then County Court Bailiffs.

i,m at a loss what extra powers they have.

any help