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  1. Hello, I have three defaults on my credit report. Do they ever expire? I keep paying £1.00 to my creditors every month but since my credit score is bad and defaults are shown to lenders I have no hope to get work or start a business. Is there any hope to get those defaults moved from my credit report? All the debts are more than six years old.
  2. Hi Guys Despite my constant attempts to get APS Overdraft to 1. Supply me with evidence of the debt and 2. Mark it as default or in dispute They are constantly updating the report with a 6 marker but no default. The account shows no payment since March 2016 and hit 6 in Sept 2016. The message on the credit reports states; "agreed repayments are more than 3 months behind but you have agreed new repayments with the lender" which is total BS as I have never acknowledged the debt as it is not mine. My last letter to Equifax stated; Dear sirs This accoun
  3. Having some issues with O2 as of March this year as they have decided to link 2 accounts for another person with the same name and DOB as myself, however this other person has a middle name and i do not. I do not have any accounts with O2. 18/3/18 Received letter stating i was in breach of contract for not paying my O2 bill. 22/3/18 Received letter telling me they had stopped me making calls and texts. 23/3/18 Checked call credit report and O2 had already linked my address with the debtors in Janurary 18 and had both accounts listed. 23/3/18 Emailed call credit stating the i
  4. Good Morning everyone, My situation is quite complex so please bear with me and any help and uggestions would be greatly appreciated, i will start with a brief statement as to how this all started 15 years ago and then onto the problems i am now facing. In 2003 i applied to remortgage and take equity from my home, i was turned down, i checked my credit reports to see that i had several defaults and a CCJ from Barclays on my acc, after a few years i managed to get all of this sorted with apology letters from Barclays. In 2013 i was again chased for debts that did not belong
  5. Hi all, My property was repossessed I was able to raise funds to pay off the balance on my mortgage before it was sold, and got it back. The whole process took a couple of months by which time the default was already showing on my credit file (The default was in fact reported to the CRAs almost immediately; I know this because I checked). Can I get the default removed? I am aware that technically, it should remain for 6 years, is there any likelihood of the lender waving this since I came up with the funds rather quickly after the repossession. Being a large
  6. Is it possible to force the landlords insurance to provide a copy of a survey they carried out due a insurance repair job that was queried as poor workmanship by the landlord ?
  7. Hi all, I had a judgement registered against me which i paid in full within 28days. I have spoken to the court and they have confirmed it is showing as cancelled however the lady said that it can take time to filter down to credit reference agencies, does anyone know what sort of length of time this may be as it is having a significant impact on my score and i need to get a letting agency check done. Is there anything i can do to speed up process??
  8. Charity Commission response to report on freedom of speech in universities READ MORE HERE: https://www.gov.uk/government/news/commission-response-to-report-on-freedom-of-speech-in-universities
  9. Hello, I purchased a Garmin sports watch in december 2016 from Decathlon for £159. It has recently stopped working, will not charge or turn on. I approached Garmin first who gave me some basic suggestions (which failed) and then told they could fix it for £100 as it was outside its 12 months warranty. I carried out some research which suggested that I should be protected by the Consumer Act based on my thoughts that a watch of this type should not spontaneously break after 16 months. I have contacted the retailer who initailly advised that there was nothing they could do a
  10. Hello, Thank you for taking the time to read my post. I placed an order with Amazon 23/03/18 for canon 6d camera, "delivered" and signed for 26/03/18 On opening the parcel I find a desk lamp, yes a £13 desk lamp which Amazon sell instead of a £1700 camera! call is made to Amazon who state, will email an affidavit. This is filled, signed and emailed back to uk-deliveryinvestigation at amazon Cs reply back and state they will be in contact within 72hrs. It has now been over 72hrs. So an email is sent out stating: I have been very patient in waiting f
  11. It's only a niggle but it's really niggling me. I have (had) and account with Orange many years ago where I paid £99 up front for a basic Nokia phone and then got billed at contract rates only for calls made. It was paid by DD so never a problem, never a missed payment. On my Noddle report there are number codes 2013 7 0 0 0 0 0 0 0 0 0 0 0 2012 6 0 1 0 43 0 12 2 0 6 Everything is then at zero from Feb 2013 to the present day. Does anyone know what these numbers mean?
  12. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  13. hi All, i hope you can help, i have just found that i have a Decree against my name from sept 2012 in favour of MKDP llp, i have no recollection of any paperwork, i was made reduntant nov 2011 and suffered severe depression, the amount is £11k credit card. on my credit report the debt is now managed by Link Financial, i made a request undeR 77/78 CCA, and they have sent back my £1 stating neither they nor MBNA(original creditor) can produce the agreement, this being the case is it possible for me to set aside the decree? thanks in advance
  14. New online service could help drivers report accidents READ MORE HERE: https://www.gov.uk/government/news/new-online-service-could-help-drivers-report-accidents
  15. Hello Was hoping for some insight or advice on my situation. I've just checked my credit report and have found two sets of "beneficiary trace enquiries" made by Erudio Customer Management Ltd. The first ones were in mid-march against my current and previous address. Then again two months later in May, also against my current and previous address. I have read up and found out Erudio bought the old style students loans. I do have two of these. One from 1997 and then another for 1999 which has been treated as a separate account by the
  16. I am trying to support someone who has been rejected P.I.P and having requested copy of Consultation report it appears that their decision is based on information supplied from 1) Claimant's questionnaire 2015 2) Claimant's questionnaire 2017 3) Psychologoical therapy plan 2015 4) Date of Tribunal 2015 5) Psychiatrist report 2012 She has struggled to get the treatment recommended by the Psychiatrist in 2012 and some of which is only (JUST) being put into place. Social Services were responisble for not referring her to the relevent treatment organisations and we have had t
  17. Hi, I've just returned to the UK after being abroad for 5 years studying, I moved into a new flat and tried to get electric moved to a credit meter and was denied. I requested my staturtory credit file and have found that Arrow Global have registered a CCJ against me with judegemnt by default (date 20/07/2017). I had no warning or knowledge of this and they used an address that I moved from at least a year before I left the UK. I've no clue what it is for, and have no idea how to go about dealing with this properly. Ideally I'd like the CCJ set aside but first I have to
  18. Very good link for free credit report from Martin lewis. Quite recent too not like some of the other free ones http://www.moneysavingexpert.com/creditclub?_ga=2.51313065.101823794.1503503150-982205561.1477396387
  19. At the start of the year we had a new bathroom fitted. We purchased all the furnishings so the quote was for labour only. Due to my wife being allergic to dust it was agreed that the fitting would take place whilst we was on holiday. 75% of the labour charge has been paid to him to date On our return home we was shocked to see our new bathroom. The quality of work in our opinion is below standard, fittings haven't been fitted correctly, damaged has occured to several furnishings, we have had a leak going through our living room ceiling and a second leak on the outside wall due to incorr
  20. From a Parody Website to Fox News https://www.nytimes.com/interactive/2017/06/07/world/europe/anatomy-of-fake-news-russian-propaganda.html?emc=edit_mbe_20170608&nl=morning-briefing-europe&nlid=80833938&te=1 Addendum OOOPS Typo in title - maybe I should be working for Fox News ... ... q wrongie righties ...
  21. Hello, I have been following this intermittently since I joined last October 2015. http://www.consumeractiongroup.co.uk/forum/showthread.php?452513-Sallie-Mae-UK-loans-statute-barred-or-not-scotland&p=4934734#post4934734 I am sort of the same situation, though I moved from Scotland to England in 2012. I am not sure which year Capquest via Sallie Mae, are referring to, but I received nothing after 2007-2008 when the loan was started until 2015, from the annoying letters they started sending me that year. I also had something from Arrow, but I have answered nothing for ei
  22. Hi its a while since I have been on the CAG site and that was for bank charges and PPI claims I now find myself with a report from the care home in my hand with the opening line SR sustained physical abuse and neglect of which all have been substantiated any one out there can help with the next stage as i feel that I owe it to my mum to fight for her we moved her from this home and within ten days she passed away after the other home broke her foot and she was hospitalized. she couldnt move herself in bed or in a special chair any good lawyers be
  23. Disabled people 'left behind in society', report finds READ MORE HERE: http://www.bbc.co.uk/news/uk-39458672
  24. Hello, I checked my statutory credit report today as I do now and again. I have noticed there's a table 2 search which has Search Reason: Director Search Company: Ic: Lynx Express Limited I'm a director (the only director) of a Limited Company which has never traded and is dormant so I'm assuming the search has something to do with this although I do trade as a sole trader. Why would they be doing a search on me and who is Lynx Express Limited? The search was at the beginning of January 2017, I didn't apply for anything about that time and apart from my car insurance in Novembe
  25. Hi everyone . I want to thank everyone in advance and also apologise in advance - as I realise my questions are probably very common here, but I have very little time left and I am overwhelmed with so much info on internet , while trying to do my duties at work and as a father. Summary : 1.My debts are in the region of 4,000 for a loan, credit card, overdraft and phone account. I started missing payments in 2010 due to family separation and depression, stopped making payments and stopped contact with lenders in 2011. Meantime paid some sums, made some agree
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