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Found 73 results

  1. Having lost a few registration marks to DVLA over the years. I wondered if anyone has ever lost a registration mark which made their car worthless as the DVLA did not affix another. This was a valuable classic car some years ago. I am also looking at the legal power of the DVLA. What they can and can't do legally. Thank you
  2. Hi all, I just wanted to let you know that for those of you dealing with 247 Money Box that it is possible to get a Default removed. I opened a complaint with them yesterday and I have today received an email from them confirming they will write off my balance of £274 and remove ALL adverse data from the credit reference agencies. I will believe it when I see it, but this was the most recent of my Defaults not coming off my credit file until November 2021, so I am just slightly happy at the moment. Thank you to the help on this site and the template letters, it would not have been possible
  3. Charity removed and trustees disqualified following terrorism investigation READ MORE HERE: https://www.gov.uk/government/news/charity-removed-and-trustees-disqualified-following-terrorism-investigation
  4. Thank you very much indeed in advance for any help anyone could give me as I am VERY worried I am going to end up with a large bill / CCJ I have no way of paying. Completely out of the blue around 6 weeks ago I received a letter from "1st Credit " based in Reigate saying that they were going to apply for a " stay " to be removed on a court case for a debt they were chasing me for back in 2015. This relates to a credit card that I opened in Feb 2000 (!!) - the last payment towards the debt of £25.00 a month I paid back in Nov 2011 !!! 1st Credi thought the debt on 18th Nov 2013 and filed a claim against me around the end of 2014. I defended the claim and asked for a copy of the terms and conditions of the agreement , copy of the S76CCA 1974 termination notice , a copy of the default notice and finally copy of the legal deed to assign. Although I was under the impression I had successfully defended the claim it looks like it was just " stayed ' and 1st credit have now successfully lifted the " stay " and consequently I have been sent a " directions questionnaire " that needs to be filled out and a copy sent to 1st credit !!!! It also looks like 1st credit have managed to find term and conditions of the card , copy of the assignment , stament copies and also a print out of the debt - obviously it looks like they have added a " spiteful " amount of admin and obviously I shudder to think how much inters they will aadd on from nearly 20 years ago !!! Interestingly it looks like they haven't provided a copy of the default notice or termination notice that I asked for ?? My question is - firstly is there anything I can do - is there other information they SHOULD have given me and haven't - also is it a legal requirement that they give me this documentation when chasing the debt and where is that stated ?? Apologies for such a long post but I really am worried - these companies really are incredible - they must have bought this debt fo net to nothing and are clearly determined !!! Once again many thanks indeed for any help / advice.
  5. Hi, I have a small shop on ebay selling printed Hen t-shirts, babygrows, mugs etc but nothing big but slowly growing with great feedback. Since may this year I have been selling a 2 t-shirt set for newly weds with a design I made of my own after looking at reference material online. But my design was a fresh font and shape and wording. Also at the top of ebay searches which was something I had worked hard for. Now in September I suddenly get these listings removed. Another t-shirt company has claimed copyright violation. I checked the design and it is similar but I have different wording and shapes it just looks too different to accept. The company pointed out their design was registered. I managed to search online and find it but it said registered 10 September 2017, about a week before I was reported. I have been selling my design from may 2017. It also look like the their t-shirt is a new listing. I am suspicious I am being pushed out by a slightly bigger company. I emailed the company as recommended and they replied with the registered number and to not relist my it-shirts. I have since checked them out and emailed the above and asked when they started selling their deisgn but no reply as yet. Can anyone see that this may be corrupt. Thank You
  6. Three weeks ago I had the fascias on my house painted. As I live in a three storey house this necessitated the use of a very large set of ladders. When he finished the work, the painter asked if he could leave his ladders at my house until Friday. I agreed. On Friday he did some remedial work and asked if he could leave the ladders until Monday when he would have his large van. I reluctantly agreed out of pragmatism – there was little he could do if I’d said no. Three weeks later, the ladders are still here and he won’t return my calls . I’m of the opinion that he is intending to leave them here until the next time he needs them, in effect forcing me to allow the use of my house as industrial storage but it could be that he’s gone out of business or dead or anything else. Ideally I’d like him to come and collect the ladders but there is no pressure or incentive for him to do so. Nevertheless I want them removed and have considered: 1) Getting the council to come and take the ladders for recycling (I know this is probably illegal) 2) Giving him a deadline then, if he doesn’t collect them, charging him for storage. 3) Giving him a deadline then, if he doesn’t collect them, selling them and give him the proceeds I don’t know if any of these ideas are lawful but there must surely be something I can do to get the ladders removed. Any suggestions?
  7. trying to sort this out for a neighbour.... a person whom is specifically mentioned in an English will in the regard of: a gift of £30k in respect to a loan they gave the decreased has it appears cleared out all personal items of the deceased as well as many very valuable items that were destined for distribution along with the sale of said property as part of the estate distributed amongst surviving children. my neighbour being one of these. this was discovered when he was escorted to the property by the solicitors/agent to collect 'something' to remember his dad by for the meant time and collect photos etc etc. this person is an executor of the will, but retained a set of keys when they should not have done? and have never been escorted like his son was and his other son that was escorted around at another time too.. the person has returned on numerous occasions since the death until my neighbours visit [we have CCTV evidence!!] and can be seen for want of a different word, rifling the place of anything of worth. to the extent that other than photos, there are NO personal effects of their father left!! even the bedding has gone!! [yes this person and my neighbours deceased dad have lived together many a year] the property was a second home. the solicitors seem non plushed by this....... but surely this cant be legal? your thoughts CAG please
  8. Been a while since I posted so here goes. A month back, my car got clamped for an unpaid PCN. The car was parked on a single yellow line overnight (legally) and restrictions only apply from 08:30 am. At 08:30 when I went to go to work, I saw the car clamped and made the relevant calls and dealt with it. I wasn't notified that the clamp had been removed (it was removed at 10am I have found out). When I returned to the car later to see the clamp removed there was a shiny new PCN on it for parking on a single yellow line during restricted hours. The PCN was given at 10:13. The bailiff notice was still stuck on the car. I obviously thought no biggie. I'll appeal the ticket which I did and received a reply from Barnet saying that as it was 4 hours from when the car was clamped and the ticket, the ticket is valid! Now I need to wait for the notice to owner to appeal this further, but I will lose the discounted rate and if I lose that then what? I actually think this is disgraceful behaviour, but I may be wrong. Thoughts?
  9. Hi, I've had a listing removed from eBay - apparently it was reported by Sky Media. There is no real reason as to why the item has been removed just that 'please not (sic) that this item is not allowed on our site.' and 'for more information read the help pages or contact Sky directly.' The item in question was a Now TV Sky Cinema pass - I bought another couple of Now TV boxes before Christmas and didn't need the passes. As far as I'm aware the listing was compliant with eBay rules - item to be posted via Royal Mail, so not a 'digitally delivered item' or 'non-physical goods'. I believe Now TV is a subsidiary company of Sky - but they don't own it directly? The link to contact Sky and for more information is: https://business.sky.com/fighting-fraud/ when you look at this it only mentions Sky Sports, about illegal use of Sky Sports programming and Unauthorised foreign broadcasts - nothing to do with what I was selling. I believe when listings are removed like this it is because the company concerned are a member of eBay VeRO - 'Verified Rights Owner' programme or something. I've read in the past that companies basically abuse this, eBay remove all listings that they report which could be for a multitude of reasons. On the list of VeRO members (UK is toward the bottom of the page) I can't see Sky listed http://vero.ebay.com/ I hate such bullying by large companies - I've spent a while on live chat to eBay but they are adamant that I need to contact Sky and that 'if Sky allow me to sell the item, I can pass the communication onto them'. They won't give me a copy of the report, a specific number to call for eBay listing removals - nothing. It feels very much like a big bully boy company (Sky) dictating an item can't be sold to another large multinational (eBay) who simply bow to them - no mistakes, no appeals etc. What can I do? Has anyone had this issue before? Please help.. Thanks in advance..
  10. I have a charge order placed on my house by Bristol & Wessex Water for £1800. They recently sent me a letter stating that if I don't pay the full amount they will be taking legal action and apply for an order for sale. I then will be sent an order to vacate my property within 28 days. My house is owned outright with no mortgage and currently valued around £200K. I am living on a small private pension with no chance of paying back the debt. I went to the CAB who told me that I will end up homeless and living on the streets as there is no social housing available for single men. The Water company placed a CCJ on my credit record so it's impossible for me to borrow money to pay back the debt and keep my house. I could never understand why there were homeless people on the streets, but I do now. I will be joining them soon. What an idiot I was buying a house. If I had a council house I would have nothing to worry about and a safe roof over my head. I know a chap near here who lives in a housing association bungalow. He owes banks £73k and will not end up homeless. Comments welcome.
  11. I have 2 defaults on my account (by from Lloyds). I've paid off the debt on both completely about 6 months ago. I know that paying the debt doesn't remove the default notice on credit file. Obviously, I'd like to get rid of the default notices on my credit file ASAP, as they're causing me issues in a joint mortgage application with my partner. We're having to just do it in her name now, which is frustrating as means we can't count my income towards it. I've read lots of accounts of people removing defaults. Can you give me some idea about removing the defaults and my best course of action to get this sorted ASAP. Some details: - I'm sure they've listed the default dates wrong. Bringing them forwards, which is obviously detrimental to me as well. At the very least, they should be back-dated to the date when the default actually took place. But ideally, I'd like them expunged. - the debts are both paid off. - debts were sold on to other organisations (other than Lloyds). So to summarise: can you give advice on default notice removal, please? Any links to resources would be much appreciated. Kind regards,
  12. I have mentioned before on the forum of the dangers that debtors face when they visit popular 'social media' sites and apply to join 'closed groups' that claim to offer advice to anyone who has received a letter or a visit from a bailiff. These sites profess to help debtors. Don't be fooled. In the case of this particular thread, the social media site page in question has one aim only and that is to ensure that payment is never made to a bailiff. That is their overriding aim. Debtors joining these 'closed groups' wrongly believe that what they post remains a secret. It does not. Almost all bailiff companies, debt collection agencies, mobile phone providers and banks etc are members of these groups and can recognise the debtor immediately from the documentation frequently exhibited. Yesterday was one of the most serious examples of appalling bad advice from inexperienced members of the public that ultimately led to the debtors vehicle (worth £4,000) being taken by a High Court Enforcement Agent. The poor and inaccurate advice also led to the debt increasing by well over a £1,000.
  13. I had outstanding council tax to Harrow council from a court hearing in May 2014. The liability order was passed to Newlyns Bailiffs who issued a Notice of Enforcement on the 19/08/2015. I paid the council direct in August 2016 and only the bailiff fees were outstanding. The council have confirmed that the debt has been settled and only £310 bailiff fees are outstanding. Made up of compliance £75 + Enforcement £235 Newlyns clamped my car on the public road then removed it 10/2016, they said they had sent a Notice of Enforcement 19/08/2015. This has also been confirmed by the council as the date of Notice of Enforcement letter being sent out. My understanding is that Taking Control of Goods Regulations 2013 9.—(1) Subject to paragraphs (2) and (3), the enforcement agent may not take control of goods of the debtor after the expiry of a period of 12 months beginning with the date of notice of enforcement. The Taking Control of Goods (Fees) Regulations 2014 17.—(1) The enforcement agent may not recover fees or disbursements from the debtor in relation to any stage of enforcement undertaken at a time when the relevant enforcement power has ceased to be exercisable. Newlyns have acted unlawfully by enforcing after 12months have passed and removing my car to recover the outstanding fees as the date of notice of enforcement 19/08/2015 is more than 12 months ago. I have emailed Newlyns and I'm awaiting a response.
  14. Hi all, Can i please ask why when someone has been banned from the forum, All their previous comments on posts have to disappear As someone who reads a lot of the older threads, it often feels like some of the continuity of the thread is missing Other forums i am a member of do ban people that do things wrong, But their old comments and posts can still be read I guess my question is, Do their posts/comments really have to be removed with them, Im sure that some banned members must have given some good advice at some point Colin
  15. Hi Everyone, i have requested a SAR on Natwest Bank and also Barclays, so far Natwest have replied back with their first letter. The objective of my SARS is to attain my old statement, fees, transactions and charges to claim back on and also for PPI. I know I have had a lot of bank charges as I used my Natwest account when i was a student and really bad with my money! I have attached the letter which Natwest have sent back, i was hoping someone could shed some light on what I could reply via email with? They have mentioned statements now can i say I just want ALL the information and statements available or I remember reading somewhere to specifically state i want all bank charges and fees? I typed up the below to send them, unsure if it is any good? Thank you for your letter of acknowledgment to my SARS request. As my letter states, I require ALL relevant documentation linked to my name, therefore I would like all statements including bank charges and fees to be provided to me, from the date my account was opened till it was closed. If you are concerned about the environment I will consider having it emailed over to me from an official source along with a written letter confirming what has been or will be provided via email to me, this is to ensure its authenticity, it is also proof for me should matters escalate due to any data violations and unlawful SARS violations. I should be informed of any documentation that cannot be provided to me via writing or email correspondence.
  16. Afternoon Guys, Very short question; apologies if it has been raised prior to this. Today I am writing off a £492 overdraft that I defaulted on in 2014, paying it in full - have always been on amicable terms with the bank in question. From this the bank has advised the account will go to 'settled' on my credit files. Has anyone had experience in getting the default 'removed' from the account, is it likely/unlikely and is there a certain way I should go about it? I understand that the default should stay on there - as it is a reflection of my situation at the time - however I am intrigued as it would help me for mortgage applications etc. As always, help is appreciated.
  17. Since the introduction of the Taking Control of Goods Regulations 2013, it has been very interesting to observe the number of forum posts (here and on all other websites) where debtors (and indeed regular forum posters) consider that in cases where a debtor is identified as being ''vulnerable', that the local authority (or creditor) should be obliged to recall the account from an enforcement agent.....and remove all bailiff fees. In the majority of cases, the fees under discussion will be £310, consisting of a Compliance Fee of £75 (applied when sending the Notice of Enforcement) and an Enforcement Fee of £235 (applied when an enforcement agent attends the debtors premises in person). In the following post I have outlined my opinion on the above.
  18. I work in a residential setting for young people. Currently two staff sleep-in every night. One of the sleeping in rooms is being turned into a bedroom for a young person in order for the business to make more money. The second member of staff is going to be asked to sleep on a mattress on the floor of the office or a TV room. Is there any legislation that says this is not ok? The rooms involved do not adjoin a kitchen.
  19. We all know that after six years any default on your Credit File is (or should be) automatically removed irrespective of whether or not there is a balance owing. If after six years the default is in fact removed from you Credit File as it should be, but you are still paying an agreed sum back every month, what would happen if you stopped paying this? Can the creditor issue another Default as there is not one showing? Can the creditor use legal action against you, considering there is no Default showing? Any comments would be greatly appreciated.
  20. Hi, I have gotten copies of my credit files and I agree with most of what is on there. However, there is a debt which is currently owned by Lowell for a telecoms bill. The bill was for 02. I ordered a phone several years back and there was a problem with the delivery, it ended up going back to 02 and I cancelled the order as I thought the service was rubbish. I got a phone from tmobile instead. So I have just found a Lowell debt for nearly £1200 on my credit files. Can I complain to Equifax etc? As I never had the phone it would not have been used and there is no way I would have run up a phone bill that high anyway. I have tried emailing Lowell but they are fobbing me off with "the creditor has given them permission to collect the payment from me". Thanks in advance.
  21. i closed my virgin media tv acct in july 2015. ....waited for a final bill until aug and then paid that in full 3 weeks later..... ..2 weeks after that they defaulted me which made my credit rating fall by 223 and went into the poor section..i was not a happy person ....went onto the forums here and found the ceo mr hockbridge and i emailed him telling him this. ..they responded by saying a dedicated TEAM WILL DEAL WITH THIS.. THEY CONTACTED MY 2 DAYS LATER THE PERSON NOT VERY HELPFUL AND SAID THE DEFAULT WOULD NOT BE REMOVE. ...i then waited another 3 weeks and sent the same email with a little bit of tweeking Again the next day another person ( sadly never took his name). .he said he would look into it and will contact me again ( i thought that would not happen and was giving up hope )... Got a big surprise the next day when he phoned me and said that the default was going to be removed the next day..I was gobsmacked... .i checked my credit score the next day and it had been removed.. .all i can say to anyone trying is to keep pressing them. .do not give up hope and with luck get the correct person on the other end of the phone.. .I AM SO HAPPY!!!!!!!!!
  22. Hi there, First post here but long been an observer. Had an account with Lending Stream which due to financial difficulty defaulted in April 2011. Motormile finance purchased the debt from Lending Stream in 2013, and I entered dialogue with Motormile as soon as I received correspondence from them. I requested a full statement of account and a copy of the default notice, as no default notice was received from Lending Stream. After hearing nothing back for over 2 months, I chased Motormile who reluctantly admitted they were unable to obtain this information from Lending Stream. The balance (including a high proportion of default fees, late payment fees etc) was £782, Motormile offered to settle for £250. I agreed this on the condition that the default notice would be removed, as they were unable to show a statement of account or a default notice had been sent, and Barry from Motormile called me a couple of days later to confirm he'd spoken with Lending Stream and they'd removed the default. I paid in full via card £250 over the phone after receiving email confirmation from Motormile the default was being removed (see below). "Email: Good Afternoon Mr *, I can confirm that we have previous received confirmation from Lending Stream that they would update your credit file for the data they have shared. I understand from our early conversation that this has now been updated accordingly. Should you have any further concerns regarding this, please contact me again. As requested, I shall arrange for our collections department to contact you to settle the account. Regards, Barry Customer Relations Manager Motormile Finance UK Ltd (MMF)" After being declined for credit, I checked my credit file in June 2015 to find that the default had been reappeared on the credit file, this time from Motormile Finance. I queried this with Motormile immediately. I was promised a response to my complaint within 14 days. Over a month passed (chased every week), blaming Lending Stream. Once I pointed out on multiple occasions that the default was from Motormile and not lending stream I received a response saying my compaint was being investigated and I would receive a response within 28 days. Sure enough, a month later, I received this response: "Dear Mr *. Thank you for your recent correspondence. We understand your concerns to be that: · We have requested the removal of the default from your credit file previously, however this has recently re-appeared. · You have applied for a mortgage and the default applied by MMF is having a detrimental effect to your application. We have investigated your complaint thoroughly and have provided a response to each concern individually below: We have requested the removal of the default from your credit file previously, however this has recently re-appeared. We have reviewed all correspondence on your account and have found that you have previously discussed your credit file with us in December 2013. We would firstly like to make you aware that MMF did not record any data with the credit reference agencies at this period and as such, never agreed to remove any information on your credit file. Your correspondence with us in December 2013 was in regards to data that was shared on your credit file by Lending Stream. In December 2013, we explained that as MMF has purchased the account, we are legally obligated to take over any information on your credit file. We are obligated to do this to provide an accurate reflection on a consumers credit history. The default that was originally applied by Lending Stream should have been removed in August 2013 and updated to show that the account had been sold. As a resolution to your concerns in December 2013, Lending Stream confirmed to us that they had updated your credit file accordingly. You have applied for a mortgage and the default applied by MMF is having a detrimental effect to your application. We are sorry to hear that you feel this default is affecting your chances to obtain a mortgage. We are obligated to report factual and up to date information on your credit file to provide an accurate reflection of your credit history. Lending Stream have confirmed to us that a notice of default was sent your postal address (*) on 11 April 2011 and the account defaulted on 25 April 2011. We have provided you with a copy of this documentation for your records. As you were provided with a notice of default, we are unable to remove the information as the data is factually correct. We hope this response has brought the matter to an acceptable resolution and the action taken is to your satisfaction. However, this is our final response, if you remain unhappy with the response I have attached a link to the leaflet about the Financial Ombudsman Service (FOS). Should you choose to contact them, you will need to do so within six months from the date of this email, enclosing a copy of the final response, which they will need for their investigation. If you would like a copy of this response by post including the leaflet please let me know by return email. FOS Leaflet: - Kind Regards, Pat Lee Customer Relations Officer Motormile Finance UK Ltd (MMF)" The default reappeared in February 2015. Originally this showed as a fresh default on this date, dropping off in February 2021, but they have updated this to the actual date of the debt, dropping off in April 2017. Removal of this default was essentially a term of me settling the debt (I refused to pay without this being part of the agreement), at at no point was there an indication it could reappear. On discussing this with Barry I was assured that this couldn't reappear, completely contradictory to the claim in the response stating I was made aware of motormile legally obliged to taking over my credit data. Motormile had 2 months to supply details of the default notice and statement of account back in 2013, so now sending me a copy of the default notice after complaining in 2015, which was never received, seems ridiculous to me. I issued a data access request last week of which I am awaiting an acknowledgement of receipt. Where do I stand here? Do I have grounds to have this removed? Motorfile seem firm on their stance, if I have a case would be happy to proceed with the court or FCO complaint, whichever I am more likely to obtain the outcome of removal. I have applied for a mortgage on a dream home, most likely to come back as a decline next week solely due to this default. Any advice would be much appreciated Many thanks for your time - Lewis
  23. Hi........ Just got few questions regarding 5 debts that I have been repaying under a self debt management... In all I have been spreading £200 per month across these five debts, all which the defaults are 6 years old in 28 days time.... After the 6 year dead line, I will be wanting to lower the repayments by at least half, giving the family more money in our pockets each month, what are the possible implications on lower the repayments after the 6 year defaults are removed. I have had NO problems with any of the companies I owe the money to over the last 6 years, and I have maintained the agreed amount for the full six years.... the money still owing will continue to be repaid each month, but at a lower rate, to which I am currently drafting the letters to sent to the five companies after the six years of default are up next month. What action if any can these companies under take in me lower the monthly payments. ? kind regards
  24. Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 yearsicon old earlier this year and was removed from my Noddle account. However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I noticed that last month the default date has been changed to 12/7/12. Can someone advise me if Black Horse or Suzuki Finance (whoever has done this) are allowed to do this please? I have reported the matter to Noddle as default date incorrect and I'm waiting to hear from them. Thank you Maybe
  25. Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 years old earlier this year and was removed from my Noddle account. However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I noticed that last month the default date has been changed to 12/7/12. Can someone advise me if Black Horse or Suzuki Finance (whoever has done this) are allowed to do this please? I have reported the matter to Noddle as default date incorrect and I'm waiting to hear from them. Thank you Maybe
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