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Found 14 results

  1. After checking my credit report in March this year i discovered i had a CCJ on my credit report. I knew this could not relate to me as i have never deafulted on any account i have had, next step i took was to pay the fee for trust online to get the details of the CCJ. The details showed that the CCJ had been issued by Volkswagon Finance, i have never had a car on finance i knew it was wrong. My credit file stated it was for another person with the same name and DOB as myself , apart from he has a middle name and i do not. Next step sent a SAR to Volkswagon Finance, a
  2. Evening All, I've scoured through many threads and posts on here and google and thought the only way to get esteemed advice was to put up this thread. I thank you all for your time and advice in advance. December last year I was summoned to court for a July offence for 'compulsory ticket area without a valid ticket' contrary to Byelaw 17(1) of Transport for London Railway Byelaws etc. That evening I travelled from Canada Water to Norwood Junction, on attempting to exit the barriers I tapped my Oyster and it wouldn't allow me to leave I called the female attendant wh
  3. I have a case with PRA, made a CCA request for information and deeds of assignment, they only write a letter to say they have requested for the information from OC and the deeds of assignment is a confidential information consisting of their business secret, but they agreed in the letter that they will bring it to the CCJ set aside hearing but they said they will blank out confidential info. What defence options do I have in this scenario ? No CCA request was honoured What happened in case the deeds has been altered as stated Also the fact that I have not been given oppor
  4. My Dad got work done at his house where I live 4 years ago. The electrician didn't do something he asked for so he cut of £500 from a £20,000 bill. Today I get a update from Experian that I have a CCJ under my name issued yesterday. Having spoken to the court it turns out that the Electrican issued a CCJ at our old address where we moved from 4 years back. I never got any of the letters or did I get any intimation from the court AND I am not a part of this at all. I only live at my dad's house and the claim should be between these two. I have nothin
  5. on 28/5/15 I was monitored speeding in Devon whilst returning on leave to Linc\'s from RN base in Plymouth, I was offered a speed awareness course which was transferred from Devon to Linc\'s I completed the course 26/8/2015 at the driver training centre in Linc's LN4 4DG which negated any fine/points. Information is available on Police national database. Just to make things clearer I used my mothers address whilst in the RN for mailing purposes. On 29/5/2015 Bank holiday Sunday my mother received a visit from a magistrates enforcement officer working for a co
  6. my son got a job in a local call centre about 6 weeks ago At the time he was employed he was asked if he had any criminal convictions and he answered that he didn't (he was currently awaiting trial after he was involved in the most stupid of circumstances and had been advised by the arresting officer and his solicitor to only disclose when convicted, which has now happened) he was doing very well at this job and loving it - in fact he had won a series of company rewards only a week before best overall employee, best in team and most sales and was given a prize of an iPhone 6. He
  7. Hi All, First time poster! I've been battling with Barclays over a default they placed on my credit file purporting to a current account with Barclays which I didn't recognise. Six months ago my partner and I were house hunting, at this stage we were really just getting a feel for the market. A house came up that was perfect and we set the wheels in motion hoping to get a mortgage offer sorted within the week and put an offer in. After visiting a mortgage advisor, he asked for copies of our credit files, which we duly acquired from the two credit reference companies and sent th
  8. first off I will try and make this brief and to the point as I can. I am feel very frustrated and desperate to resolve this and clear my credit file. Back in 2009 I decided to change my phone to T-Mobile, after a week I found I could not get a decent signal in the area so the phone was no use to me, I rangT-Mobile, they said it was within the 14 days and was fine to return, they sentme a return bag I returned the phone to them and that was that…… …………..or so I thought! Roll on to 2015. I’m looking to get on the property ladder soon so having checked my
  9. Back in 2009 a relative was in a relationship and their claim was treating them as a couple. Their partner had several social fund loans and after they seperated my relative applied for a Debt Relief Order (DRO) poor person's bankruptcy through their local CAB office. The social fund laons were added to their DRO and confirmed ok by the Official Receiver's department who dealt with the paperwork in 2010. However, the DWP have been making deductions from their benefit in respect to these old SF loans which is leaving them in financial hardship. The SF office have said the
  10. I might be fixing this, but I'd appreciate some feedback if possible. Background: In August 2008 I entered into a Trust Deed. Because some of the debts were with Abbey National (as was) I had to get myself a new bank for a current account. I went to Nationwide as they appeared to have a good reputation; well there's a new lesson every day I suppose. After a year of struggling along with two basic bank accounts (one was joint with my wife which we used to manage our household bills) and trying to get by using cash and a prepaid debit card only it was time to change and Barc
  11. Hello there! Last month, the day before pay-day, at 23:30 I, and all of my colleagues got a message from our employer to check our emails urgently. So we did, and that’s stated, that the company has ceased to exist, we should not go to work tomorrow, and ever again, and we wont get paid, only a small portion of our original payment to "help with the expenses". (So from one day to an other, we lost our job, and found out, that we wont get a months payment as well - is this even legal?) We wrote an email to him, to try bargain, with no avail nor response. We also got a letter for BM
  12. Hey , I have put in an ET1 and i ticked unfair dismissal /constructive , i thought this covered most of the things i was claiming but I have recently been informed that wrongful dismissal is more inline with my claim. So does the unfair/constructive dismissal box include wrongful dismissal or is that completely different. there was not a box for that ? or am i done for? What can i do Carl
  13. Hi, My apologies for not having introduced myself prior to my first post but i am trying to find out if my wife has received a wrongful default on her credit file? Neither of us have had to check our credit rating before but we recently decided to go for a mortgage and were advised prior to have a look at our credit reports just to satisfy ourselves that we would be okay. My credit report was rated as good and all the details looks exactly as i would have expected, however my wife was rated as fair with a default sitting on her report from a company called Sigma Red.
  14. Hi No doubt, lots of people will be aware of the total mess NRAM has caused with regards to the wording in their statement regarding the repayment of interest on loans under £25k. If not, here is an article... http://www.guardian.co.uk/business/2012/dec/11/northern-rock-loan-blunder-270-million-pounds I am myself affected by this "mistake", which basically means that I have paid more money to NRAM than they are legally due. Now according to the wording in the letter received, NRAM will not be paying cash refunds. Instead they will be amending the amount owed on the Loan.
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