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  1. Hi everyone I have an Energy Company giving data shares to a Credit Agency but the shares are not showing the outstanding amount or reduction in what's been paid every month. I was under the impression that to avoid breaching GDPR certain parts of the data share should include this to show a true reflection of the account and so other potential lenders could see where the account was up to etc. Some months inbetween others they wouldn't give any information! When I queried this with the Energy Company they then started showing the shares as an 'i' which I believe stands for Arranged
  2. THREAD NOTE: the OP talks of a CCJ this is infact a DEFAULT MARKER ignore the reference to it being a CCJ. dx - siteteam ........................................................... Hi All, the is my forst post on CAG. I have a question, which im hoping the community will be able to advice me on if it is legal, and if not the steps to take to resolve this. 7 and a half years ago, i split with my X wife, which was quite a bitter split. In her wisdom, when we split and put the marital home up for sale, a few weeks later my x wife took the house off the market,
  3. Can anyone advise on whether the following is a valid Pilon clause and therefore imediatly dissmiss under the contract? The company policy is to pay the the statutoury maximunm redundancy payment. Whether or not the notice period will be worked will be at the company discretion. Regards
  4. Hi All, I am disputing SB status of an old CC debt with default date of March 2010. No payment or acknowledgement was made ever since the default date to any of the DCA's who chased this debt. The DCA currently chasing me had threatened court action to which I responded with the standard SB letter quoting the Limitation Act. However they have come back stating it is not SB as the original creditor had received the last payment in July 2014, which is absolutely not true. The only payment I made was in July 2014 of £1 fee to the DCA chasing at the time to produce the C
  5. Hi I hope i have posted in the right place. Am new here, as needed advice. Sorry if this is long, bear with me. 2 months ago i applied for a job which was advertised as Receptionist for a glamping business, i still have a copy of the advert and job description. The role described was to deal with customer bookings, admin and check ins. I was offered the job at £10 per hour for 5/6 days a week 10-6pm but was told i had to be self employed. At the time i had no problem with this as the wage and hours were great. After the first week, it was clear to me that i was not a receptionis
  6. I'm assuming there is a precedent to this. I have a debt to the Council for back Council Tax which I have been paying back as and when I can afford it. Today Bristow and Sutor sent an enforcement agent (who told them he was a bailiff) while I was out and luckily they did not let him in. Nothing, apart from a few items such as my bed and an old stereo which is worth pretty much nothing, on these premises belongs to me as I am just a lodger here and the room is furnished by the landlords. I have never denied that I owe something but the amount is in dispute I have told
  7. I wonder if anyone can help? I received a PCN for parking in a disable bay at a private residential underground car park. I challenged this through both the appeal routes (parking operator and The IAS) based mainly on lack of clear signage at the bay. The ground markings are small and painted in red which were not visible while reversing in to the space and not visible once parked. There was a sign on a pillar however this was high up and to the side of the space and again not visible when reversing. My argument is that signage should have been directly behi
  8. I currently work as a Deputy Manager (one of 300) for one of the big four supermarkets, and they have recently announced a new contract change that comes into force on Monday 18th April. In effect we are being demoted to a lesser position, that being of a duty manager. They argue that our job role is not really changing as we will still be doing the same job we have always done and they will not be reducing our pay. However it is a HUGE drop in status as our current contract states we are 'autonomous decisions makers' which classes us as senior business leaders and opts us out of working
  9. Hi Guys, got some previous help from people and was hoping for just a little bit more info as I try to get myself out of this mess specifically what would be the impact of having an partially satisfied debt on my account when I have a CCJ on it already? CCJ was on 06/08/2014. making repayments on this and it will be satisfied fairly shortly. plus have the intial default for this debt which is 31/01/2013. A default for a overdraft dated 31/05/2014, will be making a full and final offer soon and lastly a credit card debt with a default 05/09/2012 for an amount of £323. F
  10. Hi All I have an account with an outstanding balance still owing which is now status barred as it is 6 years since I last made a payment , I originally CCA the original solicitor for the bank whom stated they could not located the CCA so the account remained in dispute, about two years later they then sold it to a DCA to which I wrote to them stating that the account was still in dispute with the original solicitor for the bank as they could not locate my CCA and sent the DCA copies of the letters I'd sent to banks solicitor and their reply so I was a bit perplexed as to how th
  11. Good Evening, I need to know how to address an open issue with Amazon - UK. I have not been able to get any feedback on an order placed 6 weeks ago, note when I placed the order I received an email indicating that the order was shipped. Two weeks past before they informed me that the order was not shipped as the earlier email indicated, they wanted to know if I wanted to cancel the order however I said I would wait for the future delivery. Complete silence since that communication. Thanking you in advance for your assistance, Bob
  12. Hi all Ive finally managed to clear all my debts, however I still can't get 'normal' credit, having checked my file the only negative info is from barclaycard who last updated December 2011 and for the 26 months prior to that they have reported a status code 6 every month. I think they did this retrospectively when they transferred the debt to Cabot in December 2011. My question is am i able to ask them to remove the status updates as I was on a DMP which during Dec 2009 and December 2011 i was making the agreed payments. During may 2009 & Nov 2009
  13. Here's a scenario I have recently encountered and I just want to run it out to see if my understanding of the system is correct. Mr Smith opens a takeaway and obtains a utility contract in the name of Mr Smith, at this time although the takeaway has its own name, all of the bills are in the name of Mr Smith Over the course of time a dispute is created with the utility company resulting in Mr Smith withholding payment until the dispute is resolved. in the middle of last year Mr Smith changed the takeaway into a limited company with himself and one other as company direct
  14. Hi, I used to have a credit card at the Halifax can't remember whether it was cleared or whether it's still open with an outstanding balance. I have a load of statements here with around £600 in charges on it, not including interest. The account is most definitely statute barred now and I have no letters or details from them as I moved and they never chased so I really can't remember. I do remember them taking money out of my current account there for a year without my knowledge to make payments against the credit card. (I never opened my mail) silly me.
  15. Hiya all, My wife has a debt with the Sheriffs Office in which we are currently liaising with them - total debt is £6200 She suffers from severe anxiety following a violent attack for which she is receiving currently police referred counselling and we have a police reference for. We have provided details of both of these to the Sheriffs Office but have just got an email back to say that despite this we cannot have the 28 days we have asked for to pay this in full and that enforcement will commence immediately Is there anything we can do? If people turn up it is going to lea
  16. Hello all, Had a look around and couldn't see a similar case so here goes... MMF have been doing there usual annoying calling / email / ignore thing but i started up a Noddle account for a basic idea of my credit. MMF is listing a debt on there of £474, from Quick Quid that I am sure i paid years ago. Date of default is 14.5.2010 but its on the settled section of my credit report as from 1.10.2010. It also lists my debt as a student loan, which is odd as I have not been a student since 1992 and never had a loan. Any ideas how I go about getting this off the record from the point of vi
  17. I am trying to achieve clarification on this as to the legal status of a multi drop driver and the wearing of seat belts The law at the moment allows a delivery driver in a goods vehicle to travel no more than a maximum 50 metres in between drops without wearing a seatbelt. Exemptions are allowed for the holders of medical exemption certificates and those making deliveries or collections in goods vehicles when travelling less than 50 metres (approx 162 feet). RTA 1988 sects 14 & 15, As to thse Regulations, it states "GOODS VEHICLES" So my question is how do you defi
  18. hi I have got afew accounts which have had charges on , i have not made any payments to these accounts for just over 5 years now so i believe these are status barred if i goto reclaim the charges does that reset the status barred time again , also if a company has not got a signed credit agreement can they put a default on credit file . many thanks for the help
  19. Dear forum members, I am wondering what sort of national and/or European transport regulations apply to Eurotunnel. Following a delay of around 1h30 on a Eurotunnel train recently (on a journey of 30 minutes), I complained to the customer service by comparing the service that we experienced to the transport rules stated by Regulation 1371/2007 (regulation on rail passengers' rights and obligations). Although I did obtain a (small) compensation, the customer service states that Regulation 1371/2007 doesn't apply to Eurotunnel. For any future Eurotunnel problem, I would like
  20. Hi Guys Someone recently asked me on a forum about the possibility of a CCJ while in trace status with a DCA. It got me thinking. If the DCA doesnt have a valid address for you and they cannot find you, does it mean they cant serve court documents to your address? I think you may see my logic here... Although am i guessing they could also send documents to your last known address? (Of which we see many CCJs set aside due to incorrect address for court documents etc) What if for say they didnt trace you within 6 years, wouldnt it hit SB status?
  21. Hi,Can someone please help me? I have recently been having issues at work with a verbal contract argument which i have posted a thread about on here,i am now at the 1st formal stage of the greivance procedure but the extension date i have been given to sort out said issue is approaching 30th June.When my grievance was envoked 3 weeks ago there was a status quo clause in it which means everything involved stays as it is until the grievance is exhausted but i have been told today by my union rep that my employer NHS is trying remove the status quo element of this procedure.So my question is will
  22. I have a slightly complicated situation and I am trying to find out if I have the same rights as the other people I basically work alongside - both agency and directly employed workers - whilst I am employed by a 3rd party company who have a contract to supply someone in my position. The company we all ostensibly work for, I shall call K. My Direct employers are N. We work in a warehouse environment handling K's products and I follow out requests by K's staff to move trailers around the warehouse and yard (there is only only person there at any time to do this job, 1 day shift, 1 nig
  23. I have an ongoing dispute with E.On in respect of a Final Bill that is turning ugly. They are claiming that an online copy of a Paper Bill [they have admitted they have not sent] marked as "COPY - Not a Tax Invoice" is a demand for payment - whilst I'm holding out for the final Tax Bill so I can reclaim the VAT. Does anyone know the precedent of whether a Not for Tax Purposes Bill is a valid invoice..? Would/could delayed payment of such a "bill" be grounds for adverse credit reference reporting, i.e. just when does a Copy "Not for Tax Purposes" Bill become enforceable..? Regards,
  24. evening all, I have noticed that on my credit file i have a default from Arrow global ltd that is 6 years old. would this now be classed as status barred and could i get them to remove it from my credit file? many thanks, Danielle.x
  25. Hi All, I was hoping someone could give me some advice please. I have got a chequered credit history due to illness 5 years ago - including 2 defaults (2007 & 2009). Over the past 3-4 years I have no missed payments and 12 months ago managed to get a vanquis card and a capital one card to try and re-build my rating. Anyway to my question..... when I apply for finance - I put my address in and then it asks for residential status. I privately rent the house I live in with my wife however I do own another house (with mortgage - which my ex-wife lives in and I can't come off the mo
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