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  1. Hi https://www.consumeractiongroup.co.uk/forum/showthread.php?491828-Southern-Water-UKsearchLTD-Shulmans-court-claim-urgent-help-needed-(past-33-days) We are in exactly the same situation having just received a Letter Before Action Letter from Shulmans/UK Search/ Southern Water for alleged bills between 2007 and 2015. This letter is addressed to my partner and his ex who split in 2015. They claim £3343 is owed but this is the first we know about it. Having read through this thread, I am a little confused as the info appears contradictory.... Are we sending the CAG p
  2. I recently went on Nat West website to inquire about a loan, I progressed it but decided not to go any further as the interest rate was too high so I didn't apply for credit. I then discovered that Nat West had placed a hard search on my file for a credit application. I disputed this with Equifax as I had not made the application, they told me to take it up with Nat West who then told me that is how they do things. surely this isnt right or is it? any guidance would be appreciated.
  3. Hello all, I would like to ask for some advice. With CAG's help I have been trying to sort out my mum's finance situation recently today she sent me a copy of a Litigation Warning letter from Midas Credit Services that she received. I told her to ignore it as it uses terms like "possible further action" etc etc. The reason for the letter is that my mum has apparently failed to reach a repayment agreement with Moorcroft Debt Recovery; however my mum had a payment plan in place with Lloyds for £1 a month with a paying in book. This was arranged after months of thre
  4. What is the score with someone signed off on long term sick, and on UC with income based ESA being called in for a Review to see if they are doing enough to seek work or increase their hours They haven't had a report from a Work Capability Assessment as yet? this is what was on their To Do List about the interview: "This is to check you're doing everything you can to find a job, or earn more". If they say they are signed off with a Fit Note stating they are Unfit For Work would they get a Sanction for refusing to look? A neighbour has asked me about this, as they are a t
  5. Received a letter today telling me they have been appointed to trace someone. Can’t find much about them online has anyone had any dealing with them
  6. MacKenzie Hall have invaded my Equifax file with a DCA search. Does anyone know if this is still allowed? I have no debts that are not Statute Barred by at least 8 years, and have built up an 'Excellent' credit score. No contact has been made from MH at this time, but expect something sinister to drop through the letterbox any day. Any advice would be welcome.
  7. Hi all, I'm hoping someone can advise, back in October I applied for a loan through Admiral but the application was unsuccessful. My credit score (i use Clearscore) went down this month with a note saying: What changed in July 2018 : Hard Search performed by Admiral Loans for Credit Application The October application is showing the exact same information - why would they simply perform another hard search without my consent? and is there anything i can do about it? Thank you H x
  8. 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
  9. Hi, I'm hoping for advice, please: We're going for a mortgage. I've just done an Experian search and discovered a problem, namely a CCJ issued on 03/08/17 at Northampton County Court. They say it was from Lowell whom have a solicitor called Cohen/Cramer. I know absolutely nothing whatsoever of this CCJ. I've tried endlessly all morning to speak to the CCBS but the phone just never gets answered. I assume they're tremendously busy. I would very much appreciate help/advice/guidance please. I have a case number off the £4 Government advice website thing, that tells
  10. Hi, ive had a CCJ claim form in the post recently-ish for a roughly £1500 dept to Southern Water. On doing some research i came across the Water Direct scheme which would allow them to take the debt and future costs direct from my benefits which seems ideal for me. I suffer pretty badly with anxiety so even tho a debt like this SHOULD be a priority its very easy for me to completely ignore things like this while off fixating on anxiety issues for months on end. i just contacted Southern Water and they were pretty good and helpful but it seems they could only help me sor
  11. I did a Google search for recent court cases, I typed Swift Advances cases 2017. A link appeared to CAG this forum. It took me to the Swift page here not to a specific post. The search description said, 15th June 2017 views 10076 + post Swift have been ordered to pay..... I can't find this post in Swift forum. Can anyone throw any light on the info provided please.
  12. Some years ago, Cabot acquired five credit card debts I had with BOS/Halifax/IF/Barclays/Lloyds. This amounted to a substantial sum and was the result of 'getting my fingers burnt' in property development. There is no entry in my Credit report for any of these amounts, or from Cabot. For the past several years I have been paying an agreed £1/month on each account to Cabot, no payments missed or late. They seem quite happy with this and don't bother me. This amounts to the princely sum of £60 / year in reduction of the substantial debt, less whatever they spend on admini
  13. Hello all , is it a mandatory requirement to search for jobs using the JC pc`s ? . I had an appointment today thinking I was going to show my job search since I started claiming [ last week] but was told I had to use the JC PC`s to do a job search & that was the purpose of the appointment , I questioned it & I was informed if you don't it may go against my claim . The fact I showed 26 job applications & I had attended an interview yesterday & had 2 really promising replies to speculative CV`s I had sent out was of no interest at all . Thanks in advance Fredd
  14. The European competition watchdog has fined Google €2.42 billion for abusing its dominance as a search engine. The European Commission was prompted to take action after numerous complaints were made by rival firms such as Yelp, TripAdvisor, UK comparison site Foundem, and News Corp. In a seven-year long investigation, Google was found to be systematically given prominent placement in searches to its own comparison shopping service and demoted those of rivals in search result. https://uk.yahoo.com/finance/news/google-fined-record-e2-4bn-manipulating-shopping-search-results-100633
  15. Hello, I was in business as a photographer and approached by the above company to carry out Search Engine Optimisation on my web site. We entered into an agreement whereby they would carry out work on the web site and I would pay them £58.50 per month after the initial payments were made. The agreement was for 12 months in December 16 I went out of business and they are now chasing and threatening County Court Action and have sent a "copy" of the Court Summons for Manchester County Court that will be issued on 3rd February 2017 if I do not pay the outstanding balance of
  16. Hello. Newbies 1st post. July 2014 I went abroad for a year and a tenant was in my house for that period. I was up until then using Cooperative Energy for both gas & electricity. I was paying £130 every month. I gave final readings on changeover day. A year later, tenant moved out and I moved back in. Again I contacted Cooperative Energy to transfer it back to my name. I was amazed - and double checked - when they said it will be £72 per month for both. Wow I thought prices have dropped! 3 months later and 3 payments of £72 made I receive a letter saying I
  17. 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
  18. Company does search 6 years after last dealings with them. Over six years ago , I was in pdl circle, repaid 80% of all loans , and ALL remaining defaults (5 defaults in total) dropped off in 2016, only have one default left on credit file which drops off July 2017 Just received my up dated credit report and one company has done a search on my file, highlighted as an ADMINISTRATION REVIEW for purpose of doing the search on 14/12/2016 although have had NO dealings with any credit company since 2009 when all my troubles began. Have contacted NOODLE who just say
  19. Hi all. I'm using Comodo Ice Dragon as my Search Engine, and Google as my Home Page. For some reason, when I search something on the web and press enter, it gives me results from Bing (not Google). Never had this problem before, and I have looked in the Browser Settings and deleted Bing all together, but still the same. As I'm typing in the Search Box, then Google will offer website suggestions, but after pressing enter, it changes to Bing. I don't like Bing. I don't bother with Toolbars, just the normal Search Box. Hope someone can help. Thanks in advance.
  20. 1) My 'Actions for getting employment" doesn't stipulate a number of jobs to apply for per week (which is odd, when I claimed before I had to apply for 2). Obviously I don't want to display every single job I apply for (which would risk creating a baseline figure), but what is the minimum number that an Advisor needs to see in order to sanction me (for insufficient applications)? 2) They also included 'log into my UJM account daily' - I have NOT ticked the box that allows the DWP to view the jobs I've applied for, BUT can they still see how often I've logged in? Ta
  21. Cabot Financial (Europe) Limited have left a footprint on my credit search file that says 'Customer Management' id like to know if this is going to be visible to lenders or if this particular search would be only visible to myself? It came about as i called them and asked the outstanding balance on a very old debt. There is no evidence of them within my file as this particular arranged payment fell of the credit report 2 years ago so it is only this particular search now. Thanks
  22. Any ideas who this lot are?? And i do bank with Barclays Just had a new credit search on my credit file that i did not ask or authorise Exquifax say it is a credit broker company I realise this is probably a "Soft search" but who are these people, and more to the point why are they doing credit checks?? If this has anything to do with that Clearscore then i shall not be happy
  23. My partner bought his bungalow end of 2013. Prior to the purchase a Private Search of Local Land Charges was made. We have concerns about the search because we received a letter recently from Hampshire County Council saying that they are install double yellow lines outside the front of the bungalow. This has been called a Traffic Order proposal. We objected to this immediately, the Council wont install a disabled parking bay outside the front of the bungalow claiming its too close to the junction, we disagree. They wont allow us to park the car in the garden again clai
  24. Hi Please excuse me if this is not the right area for my query, I am new to the site. I have 2 friends that have been in prison, they have dearly paid for their crimes both in custodial sentences and extremely large fines. Both of them are now supposed to be 'Free' and they have been released (one of them nearly 5 years ago) some time. The issue for them is a) When they were going through the legal process their cases were put on the web by newspapers and others. b) When anyone does a search these blatantly incorrect and extremely damaging and biased reports are found fairly hi
  25. If I enter some keywords and then click "Search CAG" it loads a custom Google search page and then hangs. Any clues? Running Firefox. Cookies enabled for consumeractiongroup.co.uk but not for google . Sorry if this has already been asked but I cannot search this forum for info as just stated.
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