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About Me


  1. Unknown warrior from World War 1 given final resting place READ MORE HERE: https://www.gov.uk/government/news/unknown-warrior-from-world-war-1-given-final-resting-place
  2. my credit score had plummeted. I used Clear Score to do a bit more digging recently and found a CCJ for £316 in April of this year. I am now assuming this is some sort of PCN for the same car, after I had sold it. This is very stressful for me as I already suffer with anxiety, currently have a 4 month old baby and have a mortgage. I know I cannot defend myself against the CCJ by applying for a set aside as they will just argue that the whole situation is my fault. My question is, has anyone ever been able to negotiate with the original creditor? I'm wondering if it's possible that I pay the CCJ in full but that they might have the power to remove it from the Public Register. I'd even pay more if it meant that it would go away. Do they even have the power to do this? I feel I have suffered enough for a very silly mistake. Yes, I know I have made a mistake. Yes, I know I've been ignorant. I'm already very upset and beating myself up about it as it is. So, I please ask that there are no comments making me even more aware of this.
  3. Good afternoon. I have received 2 letters, from a company called "Robinson Way" who appear to be claiming a debt of £279 upon me. The thing is, I have never taken out any loans, nor entered into any credit agreement, or anything like that. Ever. According to the letters this Robinson Way Ltd are managing an account on behalf of an HPH Ltd (Ex Style), where or how this 'debt' has come into existence I have no idea though. The letters have these details inside a box: Due to: HPH Ltd (Ex Style) Our Reference: ********* Account Number: **************** Amount Due: £279.20 I'm baffled, but also rather worried. And annoyed. Who are these people? I ought to add, having no dealings with this sort of thing before, I am not familiar with legal terms / acronyms / etc. Thanks in anticipation.
  4. I have been checking my credit files mainly Noodle and Clearscore but have found out that I have a financial connection on my account to someone I have never heard of on my Clearscore account. I sent in a dispute and realised that this is connected to Equifax. They did not answer my dispute when I informed them that I do not know the individual which is highlighted as connected to me and asked how he is on my account when he does not appear anywhere else. My response to this was a pdf of my credit file showing his name as a financial connection which I was already aware of. Is there anyway I can get this removed as I have never heard of the person on my credit file?
  5. Four unknown soldiers killed during WW1 are laid to rest with full military honours READ MORE HERE: https://www.gov.uk/government/news/four-unknown-soldiers-killed-during-ww1-are-laid-to-rest-with-full-military-honours
  6. quick quid says I owe £400 news to me never had any loads or debts, letters from Arc Europe, today 3rd letter bit confusing its bog run of the mill printer letter a) we could now take steps to prepare a County Court Claim b) latter in letters says payment or a court claim can be prepared 14 days after the date of this letter Dated 28 Dec received 2 Jan c) further down says, if unpaid our client (QQ) could apply for a formal court judgement and recorded on credit reference etc letter one I sent a reply saying no go, not known debt an quite some legal quotes and prove the debt is mine - they ignored that and sent letter two Letter two pressure to pay - I replied and said same and harassment etc ombudsman etc letter three as above Confusing - how should I react now is what I need to know Copies/text of letter I can post is needs be Many thanks in advance
  7. I have had a payment come out of my bank account which is annotated CATHEDRAL IFP, and to which I am not aware who they are. I have found out the Sort code and Account number of the recipient but have not been informed of any other information as it is covered by Data Protection apparently. The only company I could find under that name was Cathedral IFP in Bedford, but they deny all knowledge of it. Does anyone have any suggestions?
  8. After checking my credit report for the first time I have come across a default i knew nothing about. Is it possible to request information about this as I have no idea what its for. Account type Telecommunications Supplier Account number **************4557 0 Account start date 18/04/2012 Opening balance £ 38 Repayment frequency Monthly Date of default 27/11/2012 Default balance £ 38 £38 seems like an amount that shouldn't affect my mortgage application but it does apparently. I can pay it of course but not if i don't know whats its for! Whats the best way to get this removed from my report? Merry Christmas and my regards.
  9. Mystery of 2 unknown British soldiers finally solved READ MORE HERE: https://www.gov.uk/government/news/mystery-of-2-unknown-british-soldiers-finally-solved
  10. hi guys had a letter from moriarty law stating that i owe £317.02 for a debt i owe to talk talk i did use talk talks services many years ago but paid them in full at the point of cancellation. they are threatening registering a judgement on my credit file if i don't pay by the 28/11, as i have been clearing up my credit file to get a mortgage this would be quite a devastating setback please can somebody help me as although i could pay this to get them off my back, i feel as if im being held to ransom for a debt i don't owe thankyou in hopeful anticipation mark
  11. Hi, I am looking for some advice please. I checked my credit file today and saw a CCJ has been registered against me in October 2017. My credit file was 100% clean in September 2017, no debt or defaults were showing at all. I am currently living in temporary accommodation due to a fire at my main residence I went to see if there was any mail that I missed. I found a letter from the county court business centre, sent in September saying that as I have not replied to a claim a judgement has been granted. The letter quotes CPR 23.8© and that the court will deal with the application to lift the stay without hearing. The accompanying paper work shows that Marlin claim that proceedings were issued on 26/05/2015 and that I failed to respond. I have lived at my current address for over 10 years and I have received no correspondence from Marlin regarding a debt or any claim form. I do not recognise the amount either. History The only debt I am aware of is an egg card from 2008 when I got in to some financial difficulty. The amount from memory was about half of what the CCJ is for (£5k). I have not had any correspondence from anyone regarding this debt since before 2010 and certainly not made any payments. As of September 2017 my credit score was perfect with no outstanding amounts or defaults. I know I can apply to have the CCJ set aside, the only reasons I have at the moment is that I did not receive the claim form, I have not heard anything from Marlin and that I do not recognise the debt amount. The delay between receiving the letter from the court on the 7th of September and now is that the letter came while I was away and in my absence we also had a house fire and lost access to the building. After seeing the default today I gained access and found the letter. Do I apply to set aside first or contact Marlin to ask for details of the debt? I am in a precarious situation because we (wife and children) are currently homeless due to the fire and I am trying to arrange a tenancy. I don't think I will pass a credit check as it stands. If I have missed any key information then please let me know.
  12. Looking for advice on behalf of my partners daughter. She and her partner have recently rented a small house and during the letting agents checks she was informed that she had a CCJ registered against her. This is not surprising as she has been diagnosed with Borderline Personality Disorder and one symptom is not being good with money. She has moved around a lot and I suspect that letters and court papers were delivered to an old address and she has received the CCJ in her non-response. As I understand it someone will still be chasing this debt. What is her best course of action please? Thanks.
  13. Hi I am after some advice please. Just found out my wife has a CCJ in her maiden name and her old registered address. It relates to a parking ticket issued at Willen Lake. Milton Keynes Cost £155 This is the first we have found out about after completing a credit check. We do not have the vehicle anymore and it was registered to the old registered address before changing it the new address. What are our options now because its affecting her credit rating? Thanks
  14. Hi again This is my second thread in regards to an ongoing problem Unfortunately my mum has been left with debts that she has no idea about from her marriage which has broken down These debts are with PayPlan at the moment who are paying all creditors each month with a lower monthly repayment and 0% interest. This plan was set up between her and my dad when they were together as she could not manage her repayments She has now asked PayPlan to send her a summary of such debts which are in her name. On the summary it states that 4 debts are to Barclays and 1 to LINK. The references suggest that 1 is a loan that we know about (see my other thread). http://www.consumeractiongroup.co.uk/forum/showthread.php?479075-Barclays-Personal-Loan It looks like another is a current account as they said it was in 'joint' names and I know joint loans/credit cards do not exist. The reference is 5082XXXXXXXXX which also suggests it's a current account because the sort code of our area is 20-50-82 so they've missed out the '20'. The only thing that doesn't make sense is the fact it is followed by 9 numbers instead of 8 so we cannot use it as an account number. The other 2 seem to be credit cards that have reference numbers on there. We went into branch today and the member of staff could see the loan that we know about and some closed credit cards which do not match the reference numbers for the outstanding debts. He could not find any other accounts in her name. PayPlan have confirmed that the LINK debt was a Barclaycard so I assume that because the other 4 debts are still displaying 'Barclays' rather than a debt collector the debts are still with Barclays. Am I right in assuming this? Obviously we know that the 1 loan is still with Barclays as they could find it on their systems, but nothing else. So as you can see I've done a bit of digging already and ultimately want to make sense of it all because my mum is clueless as to why there's so much debt in her name on this 'plan'. They claim this is her section of the plan they had between them, as these debts are apparently in her name. I want to identify each debt and also see proof that these are actually hers to pay. As you can imagine this can seem like an impossible task when only 1 can be found on their systems. The LINK debt will have to be dealt with by LINK as far as I know. Any advice to tackle this would be greatly appreciated.
  15. Hi there I'd be grateful for anyones advice, I had an update on my credit report yesterday saying a CCJ has been issued against me. It says the court date was 21st April I didn't have any summons and no judgement has been sent to my address even tho they have my correct details. Im unsure what the CCJ is for as I have no defaults on my credit file and I'm up to date with everything. The only thing I can think of is I'd had a small road traffic accident 3 years ago and last year I had solicitor letter from my insurance company's solicitor saying they were acting on behalf on me and my insurance company as a settlement had not been agreed yet. Could the CCJ be related to that case. I feel so anxious today as I can't speak to the court till tomorrow to find out what its all about.
  16. Initially i was excited about having a new bank on the high street. They market themselves as different to the others and I fell for it. Now i'm stuck in a situation that's really running me down mentally. On Tuesday, I noticed that there were a number of transactions leaving my account for a gambling site I hold an account with that I didn't authorise. I spoke to their live chat who locked my account and asked me to report the transactions to the police and my bank as it was believed to have been hacked. I report the transactions to Metro Bank as soon as i could and spoke to the local police who gave me an action fraud reference number. The employee at Metro Bank was very polite and said he would investigate as soon as he could. Because the amount of money was quite substantial, I also emailed a customer service head I have had previous contact with. A few hours later i get a call from a man at Metro Bank who says "Well, I can see you gamble often". I then tried to steer the conversation back to the fraud and he says "I can contact them, but if i find out these transactions are yours then i'll be closing your account". I agree (I mean, i didn't make these transactions and i was very clear that I had used this site in the past). I shoot an email to the customer service manager again who emails back saying he has listened to the call and he was merely informing me of the process (He didn't really inform me, it felt more like a thinly veiled accusation but ho hum). Next morning i get a call from the same guy at Metro Bank saying he had heard back from the online casino and they have my name and address (Remember, I did tell them i had opened account with them in the past). They then say they have a record of my IP address that i use for Online Banking on their system. Again, I don't dispute this. He then asks me to explain why that might be. I indicated to him again that I had opened the account in the past. He then says that it sounded like an excuse, he believed i was trying to defraud the bank so he would be closing my account. I asked him why he wasn't listening to me and to speak to a manager, His response was that he had already spoken to his manager so there was no one for me to speak to. Again, I email the customer service manager asking for an explanation, He then sends over a final response saying he agrees with the commercial decision made to close my account based on the IP match and that I had gambling transactions in the past and he couldn't think of why someone would hack a gambling site account... Now, I understand how on the surface it would seem like a quite clear cut response. Usually you would expect someone to play against the house and get the winnings back into their account. But the gambling site in question specialises in Poker. Now, There are well known cases where poker players have had their accounts hacked and funds drained from their linked cards. How they do this is by playing on a table with another player and losing bad hands on purpose to transfer the funds into another account. To safeguard against this, The sites tell you to speak to the bank and to the police so they can open a fraud investigation and also lock the funds from the poker network. I've now had to open a case with the ombudsman and i'm in a panic as i don't have any money for my rent, nor do i have a banking facility anymore. I've gone and applied for an account with another bank as an urgent action but i'm still down a lot of funds and i do not have the facility to dispute the transaction if the account has been closed. The ombudsman reckon it will take weeks/months to have any kind of response. Does anyone have any suggestion as to where i can go from here? The gambling site in question has said they would co-operate with the bank should a fraud or dispute be opened. Unfortunately i've been feeling really low and anxious as a result of the disgusting treatment i've had from their staff. They were not professional in the way they were talking to me in any way. I've tried emailing the CEO about this and they've referred me back to the final response. Not to try an make this case over emotional but the depression experienced from this experience nearly got the better of me a few nights ago so naturally i'm very reluctant to deal with it any more but i know if i don't do anything then things will get worse for me. I would strongly advise that everybody avoid using Metro Bank for these reasons but i would welcome any suggestions on what i can do to speed the process up or anything i might be missing.
  17. READ MORE HERE: https://www.gov.uk/government/news/unknown-world-war-1-soldiers-graves-rededicated
  18. Hello Someone was renting my flat and then left. He believes that I have withheld all his deposit (which I did not, only part of it was withheld for damages). He applied to the County Court to recover the monies but the mail was sent to the flat where I no longer live. Consequently I did not receive the letter from the Courts, or I would have challenged the claim. I have just received a Notice of Enforcement followed by a further letter stating that their Enforcement Officer attended my new flat but was unable to meet up with me to discuss payment. They state that as they were unable to recover the full amount, the enforcement of the Writ has escalated to Stage 2. Apparently this is over £3k. I do not even know how this amount has been arrived at as the rent was under £600 per month. What are the options now open to me? Any advice would be greatly appreciated. Cal
  19. Had a couple of numbers ringing me up but I don't answer as I do not recognise who they are from, could be a [problem], I mean they could leave a message but never do
  20. I am awaiting the outcome of a ppi refund from welcome but stupidly I went back for more. I have had a couple of loan increases and/or rewrites and now find myself with an outstanding balance of around 30k.i I am currently paying £375 pcm which quite frankly I cannot afford. I have just missed a payment due on 31/12/09 and I just know that the phone calls from the branch manager are going to start tomorrow threatening home visits etc. I do not have anything to pay them with this month. How do I , step-by-step sort this company out? short term and long term. I have already sent letters to the branch saying that I will only deal in writing but as soon as I miss any payment that seems to negate that agreement. I used to pay by debit card on the last day of the month but come the 6th or 7th they would phone me 4 or 5 times to find out when to take the next payment. I have now managed eventually to get their bank details and pay by internet banking. The branch manager told at one point that I had not been given these details by head office(basically calling me a liar) HELP!!!
  21. Hi all, my daughter has received an Interim Charging Order for a £2700 debt incurred by her sister, jointly named on the paperwork. She has no knowledge of this, and also, Lightfoots appear to have obtained this order by using Land Registry search and she has received absolutely no other communication. She has no CCJ's showing on her credit report, but we have found other defaulted loans she knows nothing about. However, TFS isn't one of them. She is paying her mortage on a house with negative equity, having been left in the lurch by her former partner, so the mortage is still in joint names as far as I am aware. The covering letter gives her 28 days to respond, what should she do please
  22. I was visiting my friends last week, she has a sorned vehicle on her drive which she had sold two days before, the new owner was due to collect it the same night A white van appears on her drive and a man knocks on the door, My friend thinks its a delivery for the neighbour, my friend opens the bedroom window, and has a conversation with the Gentleman on the door, he says he is a bailiff and he has come to collect 392.00 for an unpaid parking ticket, I can honestly stay my friend was stunned, she did not know anything about it, she contacted the Local council, they could not tell her anything as the system was down, she went on the Councils web site and checked there was a ticket for 82.00 which she paid immediately. She has two grown up children, she knows one of them has probably had the ticket. there are two men on the drive in a white van, they proceed to clamp the sold vehicle, my friend explains that the car has been sold and the owner is coming to collect it today. The man says he doesn't care, the white van remains parked on the drive for 30 mins during this time, my friend asks where is the court order to clamp the car, the reply was the chap showed he half a piece of paper with a line of text on the paper saying mentioning a court in Northampton which she knows nothing about, she has never received any documents from a court in Northampton. The white van leaves and returns about 1 hour later stating they are towing the vehicle away at 17.15hrs unless she pays up, she explains she doesn't get paid until next week and asks what is the hurry to tow a clamped vehicle the chap explains by the end of the evening she will be paying him £1,000 pound, and asks her for her log book and keys -- which she no longer has. My friend telephones her son who is due home from work (she does not live at the property anymore) her son and his girlfriend actually live there, she lives with her partner, her son pulls up and beeps at the van , one of the occupants gets out and asks her son where he lives he says he lives next door , they then ask him to park as close to the house as possible as they are going to tow a vehicle. He then proceeds to park his car at the top of his drive the white van cannot get onto the drive, eventually the white van leaves after threatening to call the police, my friend did call the Police, they told her not to pay and gave her a reference number the officer said it sounded like extortion The new owner of the vehicle arrived later that night arranged her boyfriends pick up truck and took her car away stating no one had any right to clamp her car and of the bailiffs want the clamp back they can pay for it. What will happen to my friend, will she be arrested, shes very upset by the whole thing, I have known her for twenty years she would not ignore a parking ticket
  23. Hi all I need a little advice on something that cropped up on my credit report awhile back. After noticing a default being registered from Hoist Portfolio Holding 2 Ltd for an alleged debt for £3,194.00 I entered a dispute with the credit reference agency to gather further information (Noodle.co.uk) I was told it was for a Santander account. Firstly I have never had an account with that bank or any financial association in any form at any time. The claim is the account began in 2004 and defaulted in 2011. This is blatantly untrue as previously stated I have never had an account with this bank and certainly not during this stated time period. I did however have an account with the Abbey National Bank, but I'm sure I left that bank in 2000, and certainly never had a debt that I can ever recall. I know Santander took over Abbey National in 2004 (after doing a little research), however I had left the Abbey long before this happened. I have since just received a letter from Robinson Way stating I owe this money and that it is for a Santander account. I deny I owe any money to Santander on the grounds I have never held any account with them and the nearest association I can reasonably find is from the Abbey National Bank which I left in 2000. Surely this debt doesn't exist, nor can I be harassed for a statue barred debt that is over 15 years old (if it even exists in the first place). Is there any action I can take that will get this default removed from my report, and also any action I can take against Robinson Way for maliciously damaging my credit report? Many thanks Phil
  24. hi, I was given a bulk load of mail from a previous address at the weekend (moved September 2015) After going thru the letters, I found letter after letter from Lowell portfolio debt company saying about putting a CCJ against me for £300 (now £407 with court costs) and then I found a letter from Northampton county court issuing a CCJ for £50 per month and the first payment was for the 19th of this month (I opened the letter on 20th). I am not sure what to do as this is the first time i've had a CCJ. I have proof of when I moved last year but shouldn't they be able to find my correct address instead of just sending important letters to an old address? either way I am unsure what to do. thanks
  25. Hi Guys, I am slightly confused as to what to do. I will explain the situation below and then explain the confusion. Any help/advice would be more than appreciated. I received a phone call yesterday on my mobile phone from a lady called AMY from the "PRA Group". She claims that I have a "G.E.Capital bank store credit card" debt of £310.91. I am not aware of this debt and told her as such. She told me that I apparently took this agreement out in 2002 and that they had owned the debt (as mckenzie hall) since 2007. She told me that after the name change/merge all files were being revisited. I advised this was the first I had heard about it and took the relevant details and told her I would be writing/emailing them shortly. I have looked through my records and I definitely have no records relating to this. I have even gone onto my credit report and nothing there shows any reference to a g.e.capital account, mckenzie hall account or a PRA Group account. As far as I am aware I have never had such a debt nor never even been contacted about such a debt. I was going to send them a prove it letter, however, this is where the confusion lies, after reading some posts on here it seems to suggest it is also statute barred (if it exists at all). What is the best way to proceed? Should I send a prove it letter? A Statute barred letter? or a combination of both? Any help would be greatly appreciated. Kind Regards
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