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About Me


  1. Hi, TL;DR version of events: I received a SJPN. I believe I technically am guilty of the charge, but had ignorantly committed the offence out of sheer financial desperation, having had no money and just started a new job. I'm desperate to avoid a criminal conviction. I contacted TfL's IAP to apologise, explained my circumstances, and I provided proof for everything possible and asked to settle this out of court, and that I'm happy to pay the necessary fine. Today they finally responded - with a very generic response to say they wish to proceed with the case... However
  2. Hi all. Brief background to my delimma; Opened up a vanquis account back in mid 2013, kept on top of it for a few years until I went through an extremely difficult time, they increased my credit limit to £2000 around the same time and I blew the lot and stopped paying because I didn’t care about anything. It was then sold to Lowell’s solicitors I ignored the first letters until I received the pre action protocol letter. I responded to that asking them to prove it. Today they replied stating they were waiting for response from creditor and my account is on hold in meanti
  3. British Forces Post Office: last dates of posting in time for Christmas READ MORE HERE: https://www.gov.uk/government/publications/british-forces-post-office-last-dates-of-posting
  4. Sorry for going in to so much detail but I think it is relevant. I tried several times without success to book myself on a speed awareness course. A message stated that as my course was to be taken very soon I needed to ring them. I tried to ring them several times but as I work during the day and the waiting time was so long I had to give up. I did finally get through to them only to be told that yes I was too late to go on a course. I was told to ring Go Safe, who have the responsibility for issuing NIPs and offering Speed Awareness Courses. I finally got through to Go safe an
  5. Hi, can anyone tell me if alleged"defaults" from creditors can remain on my equifax file or for that matter any credit reference agency? in my own case.. i have won 2 cases against me alleged to default in 2012 whilst i understand they are going to fall off the file this year... its later in summer.. my query is .. having won my cases, does that not say the dispute was won on an alleged debt.. therefore should not be there?
  6. British Forces Post Office: last dates of posting in time for Christmas READ MORE HERE: https://www.gov.uk/government/publications/british-forces-post-office-last-dates-of-posting
  7. Hi there, I am being asked by the passport office to provide start and end dates of my first two jobs (I don't have the P45s or payslips from these years, I do have P60s). I contacted the HMRC (SARS team) and was sent a letter with all my jobs listed but no dates to them. After another conversation with them they sent me a second letter with only few leave dates. Now, I used facebook messenger to chat with one of the HMRC people today and asked about this. I was told that HMRC may not hold any records regarding the start and end date of employments if the employer didn't provide them with su
  8. Hi Ive just got a copy of my credit file, and some lenders/debt collectors have marked my default dates around 12-18 months after when they should be. All my debts were defaulted at the same time so there can only be a matter of couple of months between them. The thing is a lot of my defaults have dropped off my credit file now as they were 6+ years ago. In another few weeks there will be others dropping off but my file is stained with the 2 that have got the dates wrong and its funny that its probably because ive complained to them and/or because they didnt have the CCA agreem
  9. Hello, Debt Recovery company raised a claim against me. It was dated 24th November. I have acknowledged the claim and ready to contest it . I make CPR request etc but only got a letter that they dont have the documents in their possession but have requested from original creditor. It appears i have missed defence date by few days. Please what can i do? Cheers
  10. Can anyone here confirm how long it takes Parking Eye to process their charge notices and when the charge notices was actually received. I received a Parking Charge notice long after the statutory 14 day period had expired. Their envelopes don't show a postmark so I can't date when the notice was sent although the "Date Issued" shown is within within 8 days. I know this to be untrue, what can I do?
  11. Ive never posted before and my spelling is really bad so I apologise in advance! I went to drive my car this afternoon and it was gone!! I panicked and called the police, they told me it had been towed due to no tax. I couldnt call the company because its shut. I checked online and said untaxed! I went in my direct debits and its still active, went to both dates (read somewhere they will take it 4 days after if failed) and a week either side of both and there is available money???! THEY HAVEN'T TRIED TO TAKE IT? Can anyone give me a reason w
  12. Hi, I am currently in the process of beginning to tackle my debts and clearing up my credit file, with the end goal of getting a mortgage, admittedly in a good few years! I have a number of defaults from payday loans which are due to fall of my credit file in 2-3 years. However, I have been considering entering a DMP or TDP with a debt charity. However I am unsure if this would just mean the debts would be visible on my credit file for longer. If I enter a arrangement to pay with any of the creditors that have registered a default, will that just start the 6 year
  13. HMRC have listed the payment dates for Xmas 2015 already. They can be found here https://www.gov.uk/when-is-your-next-tax-credits-payment Last updated: 7 September 2015 DWP tend to follow the same dates as HMRC will update as and when they are made available
  14. Hi All, I was wondering if someone could help me please as I am a bit confused as to Settled accounts and dates they are removed. I have managed to settle all my debts finally and I am trying to be realistic when I will be able to apply for a mortgage so trying to work out dates etc. There are 8 showing as Settled and 3 credit accounts as up to date and have't had any issues. Could you tell me how long a settled account stays on my file for is it 6 years? If so when is the date from? Is it Default date? of Satisfied Date? or any other I haven't thought of. Also if
  15. Hi I have a quick question to ask regarding the default dates that show on the default notices that have been sent to my OH and myself and the default dates that show on our Credit Reports for examlpe, Bank of Ireland / Post Office CC on the default notice received it is dated 08 December 2008 on the Credit Reports it states the default date of 05/11/09. We have only ever received the one default notice. Hope the above make sense Any help would be great!!!!! No Money Hony
  16. Hi anyone else recieve a letter from virgin about changing billing dates? below is the text from the letter . they now want me to pay in advance for my services and according to their website it doesnt give me the right to opt out of the contract without paying fees . Anyone with any thoughts ? I cant really get my head around it , and they say they are doing it because some of their customers are confused, I think lots are going to get confused. We wanted to let you know about some important changes were making to the way your billed .Please tak
  17. We are currently facing possible eviction, and have been given a deadline of tomorrow to either sign up to a new fixed term or be served a Section 21, delivered to our address by hand tomorrow. Currently on a Statutory Periodic Tenancy, which we wanted to stay on and landlord previously agreed to, but has since changed his mind three times and is now not allowing us to stay on it. There are various reasons that we don't wish to sign a new fixed term, which I won't go in to detail on now as it's a long story, but in a nutshell the landlord let himself in whilst I was home alone and in the showe
  18. Hello All - Ist time post. In seeking further disclosures from the Respondent prior to ET, is the correspondence to and from them able to be discussed at the ET hearing?
  19. Hello I just wanted some advice. I CCA'd RBS Mastercard, who came back and asked for a signature. I looked at a post on the forum with a similar problem to mine and used the letter saying that they had sent my statements to this address etc and included copy of passport (signature blurred) and utility bill. Today I received the letter back saying they still required signature, which is frustrating as I know they are just going to copy and past it onto agreement. I have a very big feeling they don't have a signed CCA. The card was taken out in 2007 so no
  20. I am in the process of serving court papers on a creditor with regards to an invalid default notice, which in turn has led in my view to illegal reporting of a default to a CRA under Section 14 of the Data Protection Act 1998. I see the Interpretation Act and the Practice Directions of 1985 quoted frequently on these forums as follows: Interpretation Act 1978, Section 7 Where an Act authorises or requires any document to be served by post (whether the expression "serve" or the expressions "give" or "send" or any other expression is used) then, unless the contrary intention appears, t
  21. Hi I am hoping someone can shed some light on my issue. I have been on a DMP with CCCS (Step Change) since December 2009. Of the original eight creditors five applied defaults. They were applied on the following dates 05/01/2010, 09/02/2010, 07/12/2011, 09/03/2012 and 26/11/2012. I am due to complete my DMP in the middle of 2014 and my concern is that if defaults stay for 6 years then those added in 2012 will not fall off till 2018:jaw:. Does anyone know if there are any rules on when defaults should be applied, all creditors received DMP payments from Dec 2009 and have done so every
  22. As predicted they did it again. I don;t know why my advisor just didn't say from the beginning that he had no intention of allowing me to go on the new enterprise allowance scheme. Here's what happened today. After raising this with the manager of the site last week I was supposed to go in today to fill in the paper work. Only I had this job interview, and as part of my JSA deal I had to go along with it even though the intention was to go on this scheme. I rearranged the interview for after today, and filled in the application form they sent me. I suspected all along it was a set u
  23. Hi, I was wondering if someone could help me deal with the weird dates which barclays apply to pretty much EVERY transaction on my account. Whether I transfer from one account to another (both at the same branch) they only show on my account statement a day later than I actually made the transactions. Whenever I make a card payment (VISA Debit), the transactions only show up between 3-5 days later, sometimes, a weeks worth of transactions all of different days all get batch processed all in one day. Now I do understand that card payments can show up later on your statement,
  24. Hi all having checked my credit file i saw 2 defaults on call credit from a payday loan company then when i checked experian.... 2 defaults from the same company but for different amounts and with a much later default date. now i asked for a copy of the original credit agreement, statement of accounts and original default notices in late june 2013, so far they have only sent me the default notices. they were sent in april 2011 and march 2011. ok so on my callcredit file they are showing as : 1.defaulted 27/8/2011 opening balance £258, default balance £159. shown as zero,s
  25. Hi, I have a default showing on my credit file. Having issued a SAR to the creditor I got a pile of paper back, within this were 2 default notices for the same account, one in June 2011 for £500ish and one in August 2011 for £700 ish, no payments were made in between. The default on my file is for the £700 figure and states September as the default date. Before I take matters further: Can they issue more than 1 default notice? Should charges have ceased after the first default notice? Does the date on default notices have to match the credit file exactly? Thanks
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