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    • I didn’t say it wouldn’t. That is not the issue here. To continue driving after the licence has expired (under s88), the driver must have submitted a “qualifying application”.  An application disclosing a relevant medical condition (of which sleep apnoea is one) is not a “qualifying application”, This means the driver cannot take advantage of s88 and must wait for the DVLA to make its decision before resuming driving. The driver’s belief is irrelevant. The fact that a licence was eventually granted may mitigate the offence, but  does it does not provide a defence. But this driver didn’t meet the conditions. I explained why in my earlier post. He only meets the conditions if his application does not declare a relevant medical condition. His did. As I explained, after his birthday he did not hold a licence that could be revoked. In my view it doesn’t matter what it says. The offence is committed because his application declared a medical condition. Meanwhile his licence expired and s88 is not available to him. The GP letter would form part of the material the DVLA would use to complete their investigations. But until those enquiries are completed he could not drive. The offence does not carry points or a disqualification (because a licence could have been held by your father). It only carries a fine and the guideline is half a week’s net income. If he pleads guilty that fine will be reduced by a third. He will also pay a surcharge of 40% of that fine. But the big difference is prosecution costs: a guilty plea will see costs of about £90 ordered whilst being convicted following a trial will see costs in the region of £600.
    • I'd recommend getting a new thread started about this. Let us help!
    • to whom..here? read upload one mass pdf only in date order please too. dx
    • what does claim history on mcol say now about dq n180's? and is the address there now correct? dx
    • Hey, sorry it is me again. I haven't received any news about the claim at my new address. The deadline was the 28th of May. I have posted the letter with my address change to both the court and solicitors. I am worried that it will get sent to my old address and I have a problem. Should I call the court to find out, or should that be ok to continue waiting?  Thanks
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Help struggling with Default removal


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Hi All,

 

I have spent many hours searching this brilliant site and using the search function but to no avail.

 

Iv have read that when a Creditor sells a Debt to a DCA then the original Creditor should remove the default notice they applied and the DCA should then apply a default from the original creditors date, is this correct?

 

I am trying to repair my credit and i have multiple defaults for the same credit/debt from Barclays and NatWest who both sold on the original debt(Natwest sold to Lowell to which i settled)!

 

Also i have a number of defaults due to expire under the 6 year rule(industry standard) as follows:

 

Style Finacial defaulted 14/09/02 £336

Clysdale Finance defaulted 06/09/02 £130

 

Will these automatically be removed by Equifax or will they stay on my file as there is still an outstanding balance shown?

 

I also cannot find a Letter Template to request the original creditors to remove the default notice as they have sold the debt on any ideas??

 

Please can someone help me.

Edited by jules79uk
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Mutiple defaults for the same debt seems to be very unfair. I think that you shojld query this with the CRAs and also with the IC and let us know what they say.

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There are no template letters.

 

Just write to them, point out that you notice that your credit file contains several (one, two, etc - give the number) of defaults but which each refer to the same alleged debt. Ask them is this correct that a single debt may attract multiple defaults and if so on what basis. If it is not correct and that in fact a single debt may only be associated with a single default, then what procedure is there for correcting the record? Also you might like to ask them what is the rule about the date from which defaults entries are effective. If, say, a debt has been in existence for three years, is it correct that a default can lodged at that time so that effectively the 6 year life of the default only comes to an end 9 years after the debt fell due - and three years are it became subject to the Limitation Act.

 

Again on the matter of multiple defaults, ask them if it is correct that where the same debt has been asociated with two or more default entries, each beginning, say, at two year intervals, that this would effectively mean that an account can remain defaulted for far longer than the 6 year period.

 

It would be very interesting to know the answer to this question and you shoujld ask the same question of the IC - although I have to say that I have a feeling that the IC will hedge.

 

Give it a go and let us know. You might have to contact me through a mod to remind me, please.

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Thanks BankFodder,

 

Please see below frafted letter due to send to Experian, will this do?

Equifax has more than 7 defaults logged against me compared to experians who only have 3 so am still drafting that letter but will also be asking the same questions.

 

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Edited by jules79uk
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I wouild send a more general letter asking fro clarification on the principle of multiple defaults for the same debt.

 

I think that your letter here is too particularised.

 

A short letter asking two separate questions which are clear, simple and unambiguously expressed so that they may attract a similarly clear and straightforward answer.

 

Your letter is convoluted and offers an opportunity for anyone wishing to escape the point of your questions to do so.

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Urgent help needed - I am in the process of applying for a Mortgage, i have been in alot of communications with a recommended advisor who has looked over all my defaults however doesn't know value of debt.

 

He has some good news which i never expected he can get me a mortage with all my defaults 3XExperian 7xEquifax however they have alimit of £3k.

 

Experian=£1716

Equifax=£4785

however without multiple defaults on file for the same debt

Experian=£1716 intresting that experian have correct info

Equifax=£2238

 

Is it worth calling up Equifax and ask them direct what policy they have for tghe same debt being defaulted as i really could do with this sorted ASAP now!:(

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No really. get it in writing

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  • 4 weeks later...

Right i have an update, Thanks to Bankfodder who drafted a letter for me, I sent letter to both experian and equifax only received a response from Experian, and they missed out the main question about if it is correct that multiple defaults can be applied on you credit file if they all relate to the same alledged debt.

 

On a plus note however if a alledged debt is bought by a DCA then they must use the same dates in respect to when the credit was opened or when it was defaulted.

 

I have subsequently sent a return mail to Experian asking them directly if multiple defaults can be logged in relation to the same debt when sold on to DCA's i will update upon reciept!

 

Still alittle surprised that Equifax couldnt respond especially as i sent by recorded delivery!:mad:

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