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  1. Today I checked my credit file for the sheer hell of it. Personally I'm not bothered what it says as I don't borrow money. Made those mistakes years ago and now my file is at zero. However what I did find was a CCJ for £280 issued last October. Whoever the claimant was didn't write to me at my current address despite being on the electoral register and not at my previous one. They sneakily wrote to the old address so as to win by default. I have a very good idea who this, but it doesn't show on my credit file, just a claim number. I am guessing
  2. Hi all. I’m looking for some advice. I recently opened up a noodle account and noticed that a TSB account of some sort had been opened in my name. I think it was a loan as there have been monthly payments and now has a balance of £0. I know I should have checked sooner but in the past we used ones like Experian mainly for our credit score. Here are more details anyhow. The account was opened approx 3 years after we left the address it is registered at in 2014. There have been regular payments into the account/loan and everything other than it being false, seems
  3. I am the property owner of a 1st floor flat with one flat below. Had a water leak (fixed) and owner of the flat below has put in a claim for damage to his property. I bought the property before I was married under the name 'Miss Schroedingerscat'. My partner is on the deeds as an 'interested party' but I am the owner of property and mortgage. We got married, My husband is 'Mr Jon Pavlovthecat' and I took his surname. The owner of the flat downstairs should know that I am the owner, as the freehold is owned by both of us and obviously there was legal contact etc at the time of buyin
  4. Name on my NI Card, is not in full as on my Passport I was given the NI card with a short version of my name. Anyway I've have applied for a job, where I need to show my NI card (which are no longer produced) or NI Record, which I believe is no online, can I go online to the HRMC site register and update my NI record, so my name is now in full as per my Passport? Its not a name change, but update to my full name as on Passport
  5. Hi All, I need a little advice. I have received a CCJ letter from a private parking company called CPM. The CCJ has been put together by Gladstones solicitors. I have already submitted an acknowledgement of service however due to a holiday have only now a few days to file my defence. I noticed that the CCJ has spelt my name wrong on the summons letter for example by one letter - Joe Bloggs Would be Jje Bloggs. As I understand the court process they are all about the details - so surely this is enough to use a defence? Any advice would be greatly received. TIA
  6. Hi, I'm hoping that someone might be able to help here. My wife bought a new car from a broker back in June on Hire Purchase, something we haven't done in a while. She only involved me in the purchase here and there and so I've only just stumbled upon this information, but I questioned her as to where the V5 was as we needed to apply for a Crit'Air sticker. It turns out she hadn't received one. She chased up the V5 and was told by the dealer that for the first year they are the registered keeper, but on the 1st year anniversary it will change to her. I'v
  7. I recently ended a relationship with my girlfriend of 4 years. When we broke up i let her borrow my car for a few months. Everything was fine during this time and i was getting to see my son. All of a sudden i was not allowed to see my son and my ex is refusing to return my car to me. I am currently going through the court process to gain access to my son. In regards to my car, i recently learned that the v5 of the car was tranaferred to my ex name. I made a complaint to the DVLA and i was told that i was sent a letter notifying me the change of name, but i did not receive thi
  8. I do hope I've posted this in the correct place as I'm new to the forum. Sorry for the long post but can anyone advise me if I have any comeback on the following: I have a domain name which was set up for auto renewal on 03/03/18 (2 years for £38.38). On 24/02/18 I received an email saying the payment had failed. On 25/02/18 I received a further reminder saying the renewal was overdue and I risked a disruption or loss of services. I checked my account and noticed that the credit card details they held were out of date so I updated my credit card details. On 27/02/1
  9. Hi Firstly thanks in advance for help, had some very bad news yesterday and just looking for any advice In early 2018 I was driving a company vehicle and was doing 36 in a 30 zone. The prosecution notice when to the employers as the owners of the vehicle asking them to name the driver. They named me but I left the company around this time. I got a letter asking me to name the driver/if I were the driver. I have to confess I didn't respond. No doubt I have been stupid but this time coincidended with me leaving my family home and having some health issues. I later moved bac
  10. In August 2000, after divorcing my husband I kept my marital name. I now want to revert back to my maiden name, can I just go back to it or will I have to pay for a deed poll to change my name to my maiden name? If I have to pay to change my name, how much will this cost?
  11. 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
  12. CAN ANYONE WHO READS THIS PLEASE GIVE ME SOME THAT IS CORRECT AND FACTUAL BECAUSE I HAVE TO HAND IN MY DEFENCE FORM AND EVIDENCE TO THE COUNTY COURT TOMORROW. This is something I think everyone should read as it may help you defend a sec 21 and eviction. I will give as much information a possible without it becoming to long to read or confusing. I will refer to the Landlady as She or Her. In August 2017 I moved into a self contained unit in a house that had been converted to 6 flats each with electric meter, bathroom, simple kitchen unit but still classed as a self contained studi
  13. Astronaut Tim Peake launches competition to name ExoMars Rover READ MORE HERE: https://www.gov.uk/government/news/astronaut-tim-peake-launches-competition-to-name-exomars-rover
  14. We moved a while ago, about 10 days ago my wife Mrs x finally got in to a branch of Halifax to change address, job done. Mrs x then applied for 2 credit cards (1 from Halifax and 1 from BOS) and an overdraft for her current account, all were accepted, she was delighted. 1 of the credit cards arrived today and it says Mr x on it, her correct female first name but have put Mr and not Mrs. I thought this was odd so checker her online banking and her current account now also says Mr x She went in to change address, which they done, but also changed her from a Mrs to a Mr
  15. Hello all. I want to make a claim in small claims court but believe I have been given a false name for the person I wish to claim against. He sold me a car and lied on the advert. He has since claimed it was a private so sold as seen but I have evidence that would likely indicate that he is selling cars for profit. (multiple adverts for selling cars, pictures of property with multiple vehicles advertised etc). How can I find out the name of the person to make the claim against? If I use the fake name he will obviously ignore it. I do have the license plate of his car so is it p
  16. I applied a mortgage with Halifax bank which was accepted initially later I change the house on which my mortgage was accepted on the second mortgage Halifax rejected my mortgage and put my name on the national hunters date base giving reason that my Job is not verified where as I am working with same employer for over an year I tried few other banks but on the basis of this report no one is willing to approve the mortgage and I won't be able to buy a house for my family really stressed and need some serious help to get out of this trouble
  17. Today I received an email from PRA Group Dear XXXX Ref 1234567 Capital One Discount Availability: 65% Please note this offer will expire on 15/04/2018 Accept Offer ------ In 2010 I had a breakdown after being bullied at work, and was placed on unpaid sick leave. I managed to make the monthly payments but was made redundant five months later. I got married two weeks later. I was a non EU national and our spousal visa was declined so moved abroad to Spain. I contacted the CC provider as I had PPI, but was told that I wouldn't be eligible to
  18. Something that has been bugging me for a while. I do not want to name this company but people who have been following my thread against a certain security provider. Will know who it is. They have recently had a revamp ad have renamed their Mobile Patrol Officer position as Protective Services Officer . However reading up on this it appears it is the same name that police use in Australia . http://www.policecareer.vic.gov.au/pso/about-the-role Is this legal as the name is misrepresenting the actual job the person or company is claiming to do . Which is nothing near what the
  19. I have received a ccj for unsecured credit at my home address and there is no defendant with that christian and surname at this address. Would this make the ccj or any enforcement valid? For example the defendants name is spelt Richardgale Bridg but there is a person here called Richardgalle Bridgewaters. I have used fictitious names but the mistakes are exactly the same in proportion. I do not really want to go to the expense of having the ccj struck out. But, if that name is so wrong should I just ignore the ccj and any enforcement action. I am not too worried about bailiffs but I
  20. Just a quick heads up, I have received a e-mail threat-o-gram which has been placed in my File 13 (the bin!), however I noticed at the bottom of the e-mail that MMF is changing their name to Lantern as of the 8th March....... Apologies if this has been posted but I thought that you all should know!.
  21. I'm sorry if this is in the wrong section. I checked my Credit report today on Noddle and noticed that a Credit Application check has been run on my maiden name of over twelve years ago, and an address which I haven't lived at for the same amount of time. The check was carried out just days ago. This concerns me as I'm worried someone is trying to obtain credit in my name. The company that ran the check are called Shop Direct. Obviously I will need to contact them, but if I could have people's thoughts on why this may have happened I'd be very grateful.
  22. Hello, One of my old payday loans has been sold to PRAC Financial. I have received the formal notice of assignment. The debt is from 2014 and have never been registered on CR as a default. Since then I have also changed my name via Deed Poll. Now I have three questions and would appreciate some help from fellow CAGers: 1. Do I need to notify PRAC about the name change and send them copy of my Deed Poll? My new name is registered with all three CRAs (I checked). So is that sufficient without sending the copy? 2. As the default has never been registered (only late payments) a
  23. eon are using LCS ( debt collector) to chase for Limited company debt, company no longer trading - Dissolved in February 2016 eon have changed the name on correspondence from "XXX Limited co" to ( Directors name T/A XXX ) i wrote back to LCS stating LTD company is separate legal entity - and that they cannot simply assign the debt to the previous director. I also asked for copy of any agreements, signed documents, copies of any bills etc as i believe the bills will have xxx ltd ( Not TA) Is this Practice legal - surely there is an illegal re-assignment attempt here -
  24. Hi, This is my first time on here so sorry if this is not in the correct thread. I took a loan out in my partners name in 2015 and he's only just found out. I had a massive gambling problem then, I have tried repaying some of it but my debt spiralled out of control due to the gambling issue and I've stopped paying it! I just need some advice on how to fix this? I know probably some people will judge me for what I did and I suppose it's fair enough but any advice is appreciated. The loan was for £2200 taken with AvantCredit, they did not ask me to prove my identity either, that
  25. Hi everybody, Does anyone please use Amazon Workmail email services? I use outlook right now with a simple @ hotmail address but I want to use my business name as domain email and so need to purchase an email management provider to do that. I am not a techie person at all and need some help please! I have so far bought my web hosting with 1&1 and my domain name is with hostpapa (who used to be my host for website but I hated working with them so cancelled it.) For that reason I do not wish for my email management to be linked in any way to my hosting providers and have r
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