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  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 h
  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 a
  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 differe
  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 i
  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
  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
  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 beli
  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 s
  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
  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. A
  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 confirm
  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
  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
  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
  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 the
  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
  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 Len
  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 y
  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 no
  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 not
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