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    • When I say pay I mean it figuratively, however, the change in terms and conditions of the credit card will have some real life costs to me- it was the card I use when we go on holiday which is often outside the eurozone. Our countries of choice are usually Poland, Croatia and the Czech republic and prior to the war, Kyiv.   I am indeed wondering if the movement of money has flagged something but there are really straightforward answers if only they asked. If that is the reason then fair enough and lesson learned , by the way it was not mega bucks, the maximum cash deposit was £1300. I had also been paying the ground rent for my partner for 10 months and then deposited a cheque for 10 months ground rent. When we go away , I like to have some money in different accounts incase any do not work where we are going, but I am not affluent enough to be able to have it sitting there when we get back.   I have checked an up to date version of my credit file and there are no cifas markers.  
    • Hi, my brother last week received a ban from Sainsbury for not paying for goods. No police was involved, and they took his ID and said it was internal and that he is not welcome in any of theirs and partner store. If he receives any dwf letters repeatedly, how he handle it. we had a tragedy in our family, being distracted and forgetting to pay is not an excuse, and  regrets it. However the security guards don't seem to care as he didn't pay. im trying tell him not to worry. however, in many forums that I have read, states that we ignore these threats as they are testing and using scare tactics. Shall I just ignore these or shall I send them a letter stating " any liability to their client is denied and that we will not enter into any further correspondence". Then, am I giving them a reason to pursue more because I have responded? I Have also asked my brother not to go into any Sainsbury for a very long time. As mentioned, no police was involved and he was just escorted out of the store. Please advise a professional response on how to deal with this. We haven't received any letters yet and hoping there is a chance he won't get one......   One more clarification, if they keep sending letters, which we will ignore, but after the 4 or 5th letter, could we return the letter stating .."return to sender" or say "moved". This way, perhaps they will stop sending and move on.. What is ur advice? Also does DFW always send letters after such an incident? Or on occasion they ignore. Tank you. Any advice is helpful.
    • Hi not sure if in right place , but i got some windows fitted in 2018   about 6 months later noticed in a couple of the windows on the opening a gap appeared and noise and air was apparent , i went to the shop and mentioned it and said someone would come out never did.   to cut it short many times going to shop / messaging they have been out afew times always with a excuse saying forgot where they put parts then saying they would replace 2 of the windows , then saying they ordered the wrong windows this was the latest back in feb this year , so ive had enough now and looking at taking them to small claims court .   Ive always thought all the windows are not right as since the new windows the house seems colder and noisier so would i be able to claim for all the windows or would i need to get a independent review of the windows before making a claim . I dont want to put a claim in then find i should have done things first . Many thanks for any help . David 
    • No worries, it's easy done post in your thread   Admin - please delete mine and Yorky's posts from this thread
    • oh sorry. I was reading the original question and replies. Hadnt realised I posted in wrong section
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LesleyDeacanjason
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Hi Lesley,

 

I can see that you have sent me a PM but I can't get into it if you want to try again the in box is clear.

Check for actual default date placed by HSBC,

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 2 months later...

HI Bridge

Got everything from HSBC and there is nothing in there about default date. MKR sent me letter and again everything they had didn't show a default date. The HSBC data has now dropped off my credit file due to time and the MKR is still there with a default date og 2008, but this date refers to when they closed the case according to HSBC.

 

what can i do to get them to remove the defaults on my credit history?

 

thanks

Thanks

Lesleydeacanjason

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Hello Lesley,

 

Well we have got them now, the account will have been removed from CRA files on the 6th anniversary of the DEFAULT DATE:

 

Give me a while and I'll draft a letter for you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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thanks Bridge, you are a legend! :)

 

Yep a LEG END in me own lunchtime:madgrin:

 

Keep me up to date on this Lesley.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...
Hi bridge. Hope you are well. Did you have a chance to look at a letter for me? Thanks again

 

Best wishes

 

Lesley

 

Hello Lesley,

Been away from home for a few days, will be trying to catch up later today and tomorrow.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

HI bridge hope all is well. Just wondered if you were in a position to assist with this. Checked my credit file and nothing from HSBC, it has dropped off my credit file. MDKP defaulting me from 2011, but its statued barred now and i would like them to remove all defaults

 

its great that you can help, and Thanks again for you time, much appreciated

Thanks

Lesleydeacanjason

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  • 4 months later...

Any update on this Lesley?

 

How did it all pan out?

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