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  1. I for one have had hellish problems caused by npower entering missed payments on my credit file, on and off like a yoyo and this has caused my mortgage applications to be declined more than once. I consider this to be extremely serious. Please contact me if you would be interested in taking out a class action lawsuit against npower to seek compensation for all the problems they have caused and laws they have broken. Whilst I have already provided extensive details of my case to The Information Commissioner, The Energy Ombudsman, The Financial Ombudsman, Experian Credit Agency, they either
  2. Apologies if this is a regular question ... I took out a series of PayDay loans in Apr-July 2012, rolling over each month with the same company. Eventually I got the bank to issue a new debit card (said I had lost old one) to break the CPA and default the loan. After several difficult phone calls I got them to agree to a DMP where I paid off the loan in £10 installments per month, which I have been doing ever since. Now my credit file lists these payments as against a regular loan - an 'Advance against Income' . The loan is dated as starting the day I fa
  3. Well, it's been a while since I've been on here. it was thanks to you guys on CAG that turned my life around in 2005/6 and stopped my stupid spending/credit splurge. I sent the prove it letters to my creditors and that was that. they screamed, shouted and yelled. threatened allsorts, but I stood firm and in the end the debts have fallen off my file. so they can 'nanas for it now. (still get the occasional letter asking me to contact them to discuss payment terms - yeah right) but anyways - hi everyone! I posted this on the Facebook group, and after a few repl
  4. Evening all, I was hoping for some opinions on a recent complaint to HSBC over mistakes they have made with reporting incorrect information to the CRA's. I took out this loan (£60,000) in 2008 to pursue my dream job as a commercial pilot and despite passing all the training, the economic downturn in 2009-2010 led to my redundancy in 2013. The loan was set up based on my expected salary with the company I was sponsored by and the monthly repayments were £939/mnth. Since the redundancy it has been difficult to keep up with payments and i've tried my best to communicate with the ba
  5. Good Morning all, I am wondering if you can help. My partners ex has only been paying CSA for the last 2 yrs after 14yrs of none payment. (He abandonded her after finding out she was pregnant.) He got away with not supporting her mainly due to threats of violence and intimidation. I then came along 2yrs ago, reassured her and advised accordingly that many of these type of bullies never actually follow up on these threats. It is purely intimitation.As predicted, her ex, stuck his tails between his legs and started paying as soon as CSA made a claim against him. However, recently he quit h
  6. 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
  7. Hi I have red trough the forums and hope to find a solution. In summer 2012 I had a major surgery and was in an out hospital. Being alone I missed some payments to EON. I have tried to ask them as a gesture of good will and was prepared to send them proof of my surgery. They replied politely that the snwer is now they will not remove the 2 late markers from the equifax file. I am however confused as the account was in order prior to June 2012 there were no records from EON on equifax at all. The moment the payment was late they placed the red mark. Also I remember seeing a lette
  8. Hi All, Apologies if I am repeating a previous thread but I am after some urgent advice. I have 4 DCA's that I was dealing with through a DMC. I have a lump sum available and have stopped using the DMC now and have been talking with the DCA's directly, I have came to agreements of partial settlements with 2 of them but as of yet I haven't paid anything to them. I have been reading these forums and realise what I should have done is send a CCA request to them all before arranging partial settlements. My question is what happens if it turns out they have no legal right to collect
  9. Hi all, Apologies if this question has already come up, I searched for a while and couldn't find anyone posting the same thing. Over the past few months I have been trying to get old default notices removed from two accounts I have - one with HSBC and one with Natwest. I have been going back and forth by post, asking them to demonstrate they gave me the appropriate warnings of the defaults being added (as per section 78 of the Consumer Credit Act) and I have requested information under the data protection act. HSBC has subsequently come back to me with an inte
  10. Hi ive recieved this today and its a little worrying so was hoping someone can advise on what i can do. ResolveCall. Dear sir/madam despite several attempts we have been unable to contact you to discuss the above Scottish power energy retail limited account. this being the case, we will now apply to the local magistrate for a warrant of entry under the rights of entry (gas and electric) act 1954 one of our agents from resolvecall will attend dudley L.J.A magistrates' clerk's office, the inhedge, dudley dy1 1ry on the 28/1/2011 at 0915 hrs. in order to obtain the warran
  11. I'm not happy with the marketing Wonga have used saying credit files would benefit users if accounts were maintained. My credit file from Equifax is clear but Experian has 14 loans over 12 months. I believe there is no court in the country that could say other lenders would not view (using their computer system assessment) that this shows only a credit risk contradicting Wongas claim when compared with a similar credit card account. Wonga continued to lure me into using their service with ongoing emails and advertising and I believed, as they said, I was boosting my credit scor
  12. Safeloans have been one of the worst in my experience at leaving a footprint on credit files, after much tooing and froing i've received confirmation that all loans were made on a 'running' contract basis up to May 2012 when they apparently switched to a fixed sum loan agreement. What this means in practice is that if they left multiple entries on your credit file pre-May 2012 you can rightfully ask them to consolidate it into one entry. I believe that as i had a single account number and a credit limit for applications that all loans were essentially a revolving credit agreement as
  13. Hello, Im hoping I can get some advice on this situation as it's crippling me! Not used CAG for a while so please accept my apologies if I'm in the wrong area. I had/have a Halifax One credit card which I ran perfectly until late 2011. My finances took a huge turn for the worse, something had to give and I was unable to pay the bill for two months. In the third month I contacted Halifax, went through a statement of means and was offered an arrangement to pay totalling £40 a month. I made the first payment by debit card and set up a DD for the others, which have been paid religiously
  14. Hi Guys, Good evening. THis is my first time on the forum so appologies if I dont make anything clear here. I was wondering if someone could advise me on how to get Vodaphone to remove a default from my credit file that they have put there totally unfairly. I had a mobile broadband account with them that I opened in 2006 and paid for monthly at £16. I then closed this account with them in 2010. At the time there appears to have been some confusion as to the end date of the contract. I was told that the last payment would go out and I could cancel the direct debit.
  15. I started checking my Experian and Equifax Credit Reports and a County Court Judgment from 2009 shows up. However I know nothing about this judgment! I certainly didn't receive an 'invite/letter' to appear in court (whatever the technical term is!) The address shown on the judgment is incorrect. It shows 111C John Smith Road, whereas I lived at 111D John Smith Road. Would this invalidate the judgment? Should I contact the court and ask for the judgment to be removed/suspended, or should I wait to see if they try to enforce the judgment (which they haven't
  16. Following the sage advice from a couple of experienced Forumsters, I got a copy of my credit file from Experian. Bizarrely it only shows that I have 4 historic credit accounts. All of which are in 'default'. Although that sounds bad, I thought it would be a lot more. I have been paying into a MyVesta DMP for about 6 years. Recently though, several lenders have contacted me to pursue full and final payment of their debts. I think this may be due to the dissolving of MyVesta, and the fact that no one has been forwarding my payments on. So, my question is: If I receive a letter fr
  17. Hi All, I went bankrupt November 2008, i included all my debts and everything went fine and i was discharged in November 2009. I had a loan with Lloyds Tsb for about £6000 which was included in my bankruptcy and this was marked as satisfied/settled on my credit files. However i recently checked my credit files to do a clean up and discovered that there was a company on my credit file, TTI SPC, which i had never heard of but the account number and amount owed were the same as my Lloyds tsb loan. I contacted Lloyds who have said that their credit file was correct
  18. Good Morning, I am after a bit of help, as I am now getting worried. At the begining of this year, I received a letter from Rockwell chasing a debt for their client (arrow global limited) that was for an original creditor (HSBC Bank). The amount was for just under £5000. I received 2 further letters from Rockwell, and then in March I recevied one from Fenton Cooper, who i beleive are the same company. I have a credit report from Experian from September 2011, and there is nothing on there about this debt I have a couple of small defaults on there that have a status of
  19. I'm new here and hoping someone can help me. In august 2005 i got into debt problems and stopped paying my credit card and bank loan both of which were with the same bank. Last payments were made in July 2005, recently on checking my credit file I noticed that 1st Credit have logged a default on my account and all the info is wrong!!!!! They state the account as started (i'm assumng this relates to the bank) in October 2005. And they have logged the default date as November 2010. I have not kept any paperwork relating to these dates but can catagorically confirm
  20. Hi all I do not own a business. I am not self employed. Under w hat conditions and what rights do a DCA have in checking your credit file. Can they do this before they send you the trash letter or can they do this at any time or not at all Who are they: Moorcroft T.I.A.
  21. hey, thanks in advance for any info, I have an orange mobile contract on my credit file showing a default and settlement, the problem is that it appears twice! (well, kinda twice.. it looks like I've had two contracts but the second has no start or end balance or settlement) could I get this removed from my data file? also I have an old Tmobile contract which there was a bit of a mix up over (they ended up owing me £45!) but for a while there was a dispute and I ended up with a bill of £400 which shows up as a default and settlement.. is there any way to remove this
  22. If any1 could give me some pointers on what they think of this letter and any suggested improvements / laws and legislation i can quote or things to add / remove to give it weight I would be hugely grateful! I am looking to dispute a mobile agreement which was mis-sold and get some money back / hopefully get my credit file ammended Thankyou __________________________________________________________________ Account No: ****** Re: Mis-Selling Complaint & Notification Of Intended Legal Action _______________________________________________________________
  23. I received a letter a few days ago from dlc in regards to i think a lloyds credit card/overdraft not sure which, when i initally defaulted i contacted them straight away to arrange payments. The debt got passed on to apex at the time i was only paying token payments then of £1, a few years ago i decided that i needed to start and sort out my finances as i hoping to be able to buy my home, but when i contacted apex thet said they had no info on me. So i stopped paying and i've heard nothing since until now.......In the letter i've received they State " We have taken action to investig
  24. I've finally managed to muster up the courage to try and deal with the fallout from my idiotic youth and I've started by checking my Equifax file. After reading the information on this forum I believe that there are a few things on my credit file that shouldn't be there ( I want to deal with them one by one as this is incredibly stressful for me ). Can someone take a look at this and advise how I should proceed? From my Equifax file:Link Financial (Student Loans) NamexxxxxxxxxxxxxxxxxxxDate of Birthxxxxxxxxxxx Terms 0 @ £ 0 (Monthly) Status Defaulted Current Balance£ 4,592 Start
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