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  1. I am looking for some advice regarding removal of Arrangement to Pay markers and a default from my credit report. I have an outstanding balance of £3486.90 with Link Financial who took on the account from Barclaycard in February 2015. Barclaycard applied markers to my credit report from April 11 to February 15 when they marked the account as settled, following an SAR it doesn't appear the account was ever formally defaulted. I was on a DMP until recently when I sent a section 78 request to Link and stopped paying. They did not comply with the request and subsequently issued
  2. Hi all, in 2008 I took out a secured loan of over £10k from Welcome and within a few years struggled to make the payments. The loan went to Cabot on Welcome's demise and then to Ascent. 2 years ago, instead of consulting this site(!), I started paying Ascent less than £100 a month (don't want to be specific, in case they're on here) and this has brought the amount down. The balance is still over £10k and there is a charge on my property. Having spoken to Ascent, I have asked for a settlement figure and they want and income/expenditure thing (not something I trust, it's just to
  3. Hi I had a default filed against me about 3 years ago. Then they started threatening Court action. So I requested a CCA. They never could produce one, then they decided to file a court claim. I defended it and that was the end of it.... Haven't heard from them in about 2 years The default is dropping off the credit file in 2020, I was wondering if I had a good chance of getting it removed? Thank you edit forgot to say this was a DCA
  4. After some advice please I made a payment plan with Jacobs bailiffs for council tax debt back in aug, I missed 1 payment in sept but doubled up the following week. To cut a long story short after I was late paying I received a letter saying the payment plan was no longer in place. I've had several bailiff visits and I've not opened the door but I have continued to make my weekly payments with fail every week. I have continued to receive letters and texts saying removal action is imminent and today another text saying the removal team will attend today between 6am and 9p
  5. Hi guys Just need a little advice really, we were looking for s removals company, we had a quote and they said they could move us no matter what, even if doubled booked they have enough men/vans to cater for that it was to happen We accepted a quote including supply boxes etc, as with house sales dates move and change, they supplied boxes and we Packed and we eventually have a date. Then said they couldn't move us as they have another booking Then then have tried to bill us for boxes. Do.i have to pay, no contact was signed and the verbal contract was they can move us
  6. Hello all, My daughter has a joint account with her ex that she wishes to have her name removed from but the Bank/Halifax are making it difficult. Her ex left earlier this year and moved back to Scotland and left her with debts and a load of other problems which she has slowly managed to get sorted. She had to give up her courier job to look after the two children(6 and 4 yrs) and so has had to claim IS. However, due to this joint account the IS people are making it difficult to get the benefit and this has been ongoing since March. After many calls to the IS they said she
  7. Hi Has anyone successfully had erroneous data removed from CRAs that was put there by Laredoute? I have a close family member who had previous credit with them many many years ago. She noticed about a year ago that Laredoute had updated her credit file with payment arrangements which she ceased many years ago.. then it was showing as being paid successfully, then again changed back to indicating missed payments. Will a CPR 31.14 help in this situation, though I doubt they will hold any data with the debt being so old, but thats only a guess. Any advice will be much ap
  8. Hi all, I work in the NHS, when we work overtime there are two methods of renumeration, we can take it as paid hours or take it as time off in lieu of overtime worked. We are being told that if we do not use our toil within a certain time we lose the hours owed to us. This to me is the same as saying "if you do not spend your overtime pay within a certain time we will take it back". I can't see how they can legally do this as toil is a renumeration for hours worked, exactly the same as salary is, could this be a breach of contract? Does anyone have any thoughts on this please.
  9. Hi, I am looking for some advice to try to attempt a default removal, if this stays on my credit file then I am looking at August 2020 before it falls off The balance owing is £509.52, this is made up of £300 in interest charges that they have added since the account was open in 2013. The last lot of interest was added in September 2013 of £97 on a balance at the time of £441!! I have written and complained but they will not write off the debt and have said that the balance owed is outstanding and needs to be paid. I have today received a copy of an unsigned credit agreement and t
  10. Hi, In September 2017 I lodged an Irresponsible Lending Claim with PDUK, who made an offer of £2,600 to settle the claim. I accepted this offer on the condition that all loans that were deemed to irresponsibly lent were removed from my credit file. They confirmed via email: Thank you for your email on XX January. In response to your query, I can confirm upon receiving your signed acceptance your credit file will be amended to remove the loans we have deemed to be irresponsibly lent to you. We can accept your acceptance via email in one of 3 ways. You ca
  11. Hi My son has recently applied for a mortgage and has been turned down due to a default on his file which originally was Shop Direct which then defaulted and was sold to Lowell. The amount was £371 and was paid off in full to Lowell in Oct 2013. It is due to drop off his file in August 18. I am trying to help him get this removed because I have read somewhere that usually if debts like these are passed to Lowell they are in some way unenforceable by the legal route. Can anyone tell me who would I SAR so I can start digging to see if I can find anything and what would I
  12. Hi all, As I have posted in similar threads I got myself into a real mess with payday loansicon, going back to divorceicon/unemployment in 2009. At its worst, between May 2012 and January 2015 I had nearly 140 loans with over a dozen lenders, in an endless bucket brigade of borrowing from one to repay another. I walked away from the whole toxic lot in January 2015 and am now redressing the situation. Without going into the entire borrowing history, one of the many lenders was 247 Moneybox, from whom I ended up receiving a default for £483 in May 2015. I submitted a formal complaint
  13. Howdy, I got myself into a real mess with payday loans, going back to divorce/unemployment in 2009. At its worst, between May 2012 and January 2015 I had nearly 140 loans with over a dozen lenders, in an endless bucket brigade of borrowing from one to repay another. I walked away from the whole toxic lot in January 2015 and am now redressing the situation. From May 2012 to October 2013 I borrowed 10 times from Payday Express - deferring, refinancing, reborrowing etc. 10/8/17 - Sent formal complaint requiring refund of interest (£968.97) + 8% interest (£331.21) + removal of adverse
  14. I've had a search around the forums and haven't found much in this regard, at least not where JD Williams/SimplyBe/Jacamo are concerned. Just a summary - in 2011/12 due to redundancy/ill health I got into some financial difficulties, end result is I have 3 defaults which I'm still contending with, but have repayment plans for and I'm currently trying to resolve/end. Besides these 3 accounts and since 2013 my credit history is perfect (bar the three accounts I mentioned). I worked hard to keep it this way so that when those defaults drop off my file at some point my
  15. Hello. I received a removal notice today from Jacobs enforcement,the amount is for around £600. This is the first instance I have had dealings with them. The notice says REMOVAL balance due: and Payment in full immediately. This letter was hand delivered. Now I have not paid the council tax since around the middle of May and prior to that I was about £125 behind in payments. I have had a look, briefly around the forum and other removal notices seem to have a deadline for e.g. 24 hours or 7 days etc. The one that I received today just says removal and without a tim
  16. I have been rather stupid and rather than dealing with my CCJ, I ignored it. I received a letter from the Bailiffs office, was dated 26th July, but didn't actually open it until Thursday 29th. I tried to call the bailiffs number with out any success. After looking for some advice on line, I made an application using N245 on Friday 30th June and was advised at the Country Court that the bailiff would see the application on Monday morning, which is the 3rd Of July - date they said they would be visiting. I was told that this application should s
  17. Hi I had a Bailiff knocking this morning they posted a removal notice through my door. On the back it says about them using lock smiths to gain entry. The money they are chasing is for an unpaid parking fine. My question is are they able to gain access using a locksmith?
  18. here's my situation. I appiedy for a mortgage and it gets declined. Head over to credit file and see a default going back to 2015 from Vodafone for £30. I had a sim for an Ipad for my job at the time. Left job, cancelled DD (stupid I know) then 2 months later get emails from debt recovery, pay instantly then call Vodafone to cancel the contract. All fine and dandy (or so I thought) I received no emails or emails chasing the money so assumed all ok. I call VF today to explain that this account was cancelled and I don't feel I owe the money and for th
  19. Been trying to get loan for a car but keep hitting the credit score problem. When I check I have a couple of outstanding defaults from 3 phones on my file which seem to have been registered by Lowell in July 2013 for small amounts £57 & £125. Cant dispute the validity as they came from a fall out I had with 3 over poor signal, but they sold the debt on anyway to Lowell. Is there any benefit to paying the amounts and then trying to get Lowell to remove the defaults as a gesture, I know they will come back with standard response of being entered correctly but it i
  20. I have recently embarked on a mission to clear the debt I ran up when I ran into financial difficulties in 2013. I was struggling in my job at the time and had trouble keeping up with my bills and ended up losing my house and car. I have since recovered and now in a position where I can clear all of outstanding debts. One of the debts that I hadn't got around to yet was around £1500 to Black Horse for the finance on my car. I missed three months payments of £407 and ended up giving them the keys back in December 2013. When I took the agreement out I lived at address 1
  21. Hi Everyone, I used to have a vodafone account many years ago and something happened where i thought it had ended all paid up but it turned out i still owed some money. Once i found this out i got it paid but after looking at my credit file i see that vodafone put a default on it . although the payment shows as being missed in 2010 the default never went on until 2013 which means the file will not be removed until 2019, is there any way this can be rectified as if the default was lodged in 2010 it would be deleted from my account now. I'd like to add that thi
  22. Not entirely sure if this should be in the banking forum, the benefits forum, or the debt forum, as it touches on all three. Site Team, m’dears, please move it to where you deem it best suited. Merci. My sister has a credit card debt with NatWest. Some time ago, they stopped her method of online payments which was her only way of getting money to them. Consequently the debt built up as it wasn’t being serviced. At about this time she had little or no income, eventually having to enter the benefits system. She has, I understand, been harassed by debt collectors regarding th
  23. Hope you can help. We have just moved house over the New Year. We hired a removal firm for Thursday 29 December 2016 through a bidding website. I received an e mail from the company saying they would attend after 1 p.m. on that day which I felt a bit late. On the day they came at 4.55 p.m. for a house removal! We got stuck in and starting moving and when it came to our 52 inch TV asked their advice about how to move this, they said use bubble wrap which we found and put round it and the removal men said they would use blankets and they moved the TV . When we unpac
  24. Hi there I have a fine with Staffordshire county council which has escalated to £398 and now at the stage where bailiffs are due back tomorrow (with the addition of another £110). I had an agreement which I broke. I was paying weekly but fell behind. I am guilty of burying my head in the sand. I have a few mental health issues and claim ESA at the moment. I have 4 kids and am a single mum. I sometimes get anxious about opening my mail and ignore and forget things. I know it's the wrong thing to do, but sometimes I can barely leave the house or get out of bed. Just a f
  25. Hello, my name has been put on the CUE database by OCTAGON this is for life. My crime was to use a comparison site to compare quotes, i did this about 50-60 times and the reason was to check how they arrived at their prices. I searched all types including 1- all the different vol excess about 6. 2- declared mileage about 5, 3- different types of cover about 3, 4- different addresses about 4 , 5- what date to start ins. as they differ a lot, so does the price and also a host of other type searches. To be honest i was trying to get the cheapest but also curious as to how they a
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