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  1. Your good advice please. I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired. I suspected this could be nearing SB I checked my credit file and discovered that there is no information about this account on my file prior to May this year! As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other? Who’s responsibility is it to insure the information on a credit file is accurate and up to date? Would the OC r
  2. Two weeks ago I boarded a bus at around 8:00am in London. I got off the bus a few stops later to head into a local Tesco store to buy my lunch for the day. I then walked back to the bus stop that I got off at and waited for the next bus to take me to work. The next bus arrived at 8:30am. It was one of those buses where passengers can board the bus on either the front, middle or back door. I boarded the bus from the back door. I sat downstairs and minded my own business, staring through the window and browsing on my phone. A few minutes later, I heard a bus ticket ins
  3. In simple terms when my housemate moved out the water bill wasnt paid for maybe 6 months then when it was not enough to clear the arrears. Not through avoidance more confusion and as soon as I realised I upped the weekly amount to cover the arrears asap. To my horror then a month ago I get an equifax alert showing red 4s and delinquent date for that last few months. I figured no point dwelling on it and knew it was about a week from being caught up but was still annoyed as ive spent a few years tidying my history up a bit. To be clear they were not even on my credit record b
  4. Hi all, Back in Nov 2015 i bought an Audi A5 Sports Convertible, 2012 reg, for £16,600 from a massive London based car dealer. In June this year I've decided to sell it as they worry of it devaluing in time was too much for me so i wasn't really able to enjoy the car anymore. I've tried taking it back to the same dealer but they were only able to offer me £13,000 after a quick check (this amount being subject to a thorough investigation). The guy told me the car is in a really good condition and i should have no problem selling it privately for about £14,500. So after advertising it
  5. I recently purchased a Ford Mondeo Titanium x from a dealer near Bristol. The car was advertised as having a full service history. When I got home and checked all the booklets there was not a service history booklet. the following day I phoned the dealer who stated that they would find it. Two weeks later and numerous phone calls, lots of apologies and promises still no service book. Under the trade description act would I be entitled for some compensation due to the fact I bought it because of the reassurance of having FSH. I am happy with the car but not the miss se
  6. Hi there. I'm having some issues trying to find the information I need. Here's my situation: I'm finally in a position where I would like to learn how to drive. Unfortunately, my provisional driver's licence is no longer valid since June of 2017. I'm applying for a new licence on the DVLA website but I am running into trouble. I am being asked to provide a passport (which I don't have and have never had). I need to provide 3 years of address history, but until about a year ago, I was homeless, and there's no option for this on the sign up page I was sofa sur
  7. Hi all, Some years ago I had Halifax bank account wih big overdraft limit. Due to financial difficulties I had to use it all and couldn`t pay it back. Now I`m back on track and willing to clear that debt. Lowell has been sending me letters to pay it off, even when I moved - they tracked me down via credit referencing agency. I phoned Halifax, but they said I need to contact Lowell as debt has been sold. But I don`t want to pay any money to parasites like Lowell, I`d rather pay back the bank I took money from. 1. Can Lowell run searches on my credit fil
  8. Hi all! Until recently I was running my own business. Times have changed and I find myself in need of paid employment. A lot of companies ask for FULL EMPLOYMENT HISTORY since leaving school. I'm quickly approaching 60 years old, I've had numerous jobs since leaving school and don't even remember the salaries of most of them. I feel that if I were to submit an application WITHOUT a full employment history since leaving school, my application may only get as far as the waste paper bin. Any of you knowledgeable people out there know if a Subject Access Request to the DWP would give me the requ
  9. Hi All I recently purchased a used car from a Main dealer for £14750 (5 year old) under the approved used scheme, after a week i noticed a minor fault with car and booked it in for the work to be carried out (they could not get the car in for 1 month) taking me outside the 30 day return period. When the car was in being fixed, i rang one on the previous service stamps (also from the same main dealer group) to find some information if the gearbox oil had been changed, they had only seen the car for the first 2 services at 4k, and 16k yet the book was stamped wit
  10. Hello all, I just joined this forum and I'm looking for advice on an issue where I really feel hard done by. Let me explain. Back in September 2014 my ex wanted a phone. We were out and at Carphone Warehouse she said she wanted a phone. However, at the time she didn't have her bank card with her, because the old one had expired and she was waiting for a replacement to come. Me being the gent I am decided to take out a contract in my name and gave my direct debit details. It wasa Vodafone contract. The man at the shop said that after 3 months, we can call Vodaphone and do a
  11. Hi all, This is a speculative question because I'm not on the dole yet, but who knows! Either in the process of claiming benefits or during a compliance check, one may be asked to produce evidence of capital, e. g. bank statements. Is there a rule that determines a minimum or maximum period for which this evidence must be reported? I've searched extensively on Google and I've also read the DM guide about capital but I haven't found anything. Some people have been asked 3 months worth of statements; others 6 months; some other one year. Any clue? Thanks.
  12. If you wanted to erase your medical history - or certain parts - is there any way to do it without moving from the UK altogether ?
  13. This is a strange one, hope someone can help. I took advantage of an offer to switch current accounts for circa £100 in May 2009. I filled in the forms, my salary and debits moved across. The problem was that Santander did not agree to match my existing overdraft (£500) and didnt communicate that the overdraft had not been granted but moved my finances over anyway. So I quickly moved back to my previous account and requested that Santander close the new current account. I recall speaking to a manager on the phone, who agreed to close the account with no charges and in exch
  14. Hi all, I'm lousy at writing descriptive titles, so apologies in advance I plan to remortgage my home in April of this year, and want to collate proof of income from both self employment and benefits/tax credits paid to me over the last 3 years. Is possible to write to the HMRC and DWP to get a list of all benefits paid into my bank account for the past 3 years? So I can use that as proof of a secondary income?
  15. Hi All, This is for a friend. My friend was running her own business. Her telecoms providers were chess telecom. At some point Chess rang the business and spoke to a member of staff and sold the member of staff a new contract for the telephone services including broadband. They then entered another 2 new contracts with same member of staff all the time extending the term of the contract. They never contacted the account holder at any point to advise or welcome to new contract etc. In Feb 2014 my friend sells the business and contacts all suppliers advising of no
  16. Hello guys, I hope you will be able to help/advice me on this one. I bought a a second hand car through the London used cars dealer at the end of July2015. After 31 days I noticed that there are some serious mileage discrepancies between MOT and service history booklet. I phoned all the garages from the stamped booklet and I found out that first six stamps, claiming to be a BMW garages, doesn't exist and that the numbers provided were answered by private people. I get back to the dealer asking for a full refund. It was rejected, given the reason of high mileage done on the car
  17. Hello, is it true that the HMRC can give a statement of employment record if requested? I have found the address of the Record Retrieval Service, but it looks like this is only for compensation claims? Would they give me a record for any other purpose? And would that cover also periods on benefits? The reason I need this record for previous years is because I've lost some of my p45s and now I need to claim permanent residence status for EU citizens.
  18. Basically I had a hsbc business account which I shut due to the fact I slowed trading for for a while. Started to use my personal account for a bit and then a lot of business subsequently got asked to leave for breaking t&c. Left me without an account, 7 defaults and 3 arrangements on my credit history in the last 6 years. Ive put in an application with Coop for a cash minder, they seem to of lost my application in branch which is a pain. Had a look at the bank groups and basically hsbc aside I had history with all except Santander, figured I had nothing to lose by putting in an
  19. Hello, trying to help a friend with his CV but he is unable to recall all his work history, is there a way to obtain his past work history and if so can you point me in the right direction. Regards to all
  20. Hi all I have recently finished a DMP and I am finally starting toget my finances back on track and I am hoping for some advice on improving my credit rating. My situation is as follows: The defaults registered on my account are due to fall off in August of next yea rand I am starting to put together a deposit for a mortgage. With this in mind I am trying to do whatever I can to improve my credit rating. I have recently been successful (with the help of the FOS) in getting a default retrospectively added to an account that was previously marked with AR markers
  21. just wondering if anyone else is having this problem of robinson way doing credit report address history checks everyday for the past month? i have already cca'd and heard nothing back except we cannot retrieve your consumer credit agreement. anyones views or advice would be really helpful.
  22. http://www.theguardian.com/business/2014/nov/12/banks-fined-200bn-six-years-history-banking-penalties-libor-forex
  23. Hello, this is an 'academic' query I'd like to ask. I was doing some background reading recently around ET matters (I'm doing some voluntary work at a CAB at the mo) and I noticed that there was a time apparently when tribunals were limited to a costs award of £500 against a claimant (a golden age?). Could someone tell me when this all changed? I imagine it must have been years ago given the blank look I got when I asked at work. (I assume that when the limit was removed it may have had a similar effect on the number of ET claims submitted as had the 'recent'
  24. I went to sign on today and was told that it is no longer sufficient to bring in a jobsearch sheet and print outs of my job applications. The clerk tried to bully me into giving them access to my Universal Jobmatch account but I explained that I would rather not (and the reasons why) so they said that I would have to print out screenshots of my jobsearch activity history instead. Apparently I have to access my Universal Jobmatch account three times a week and look for at least six jobs a week. Does this mean I only have to do three print outs a week and/or whenever I apply for a job? I was pre
  25. I have three defaults that are coming up for 6 yrs old ( 2 this month, 1 on Oct) On my credit history from noddle they show as default every month from then till now, with the balance decreasing until 2011 when I saw the ligh t / snapped and refused to pay anymore. Do those defaults automatically disapear after 6 yrs, or do I have to request Noddle to remove them ? There has been a flurry of activity on one this week when after being stayed for almost 2 yrs I've recieved a letter from Apex notifying that the debt has been transfered to them. As the account
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