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    • Thing is, how do you prove a conversation  
    • So I have gone through the two CCA documents, scanned them, transferred them into PDF's but am still unable to attach them as they are too big.   So I have to give up on attaching the docs.  One is 6.73 MB, one is 5.86 MB and the other is 24.3 MB.  I am not technically minded and find it frustrating that I cannot attach them given the fact it's taken me hours to try to undertake this task, neither do I know how to reduce them, also I don't really have much spare time to get my head around tech issues.   Anyway, my elderly friend is getting more and more upset due to the high pressure of harassment he is experiencing from the two creditors in the way of tree loads of letters and daily phone calls - the calls are blocked, but I looked at his phone and one day he had 22 phone calls.    He does have mental health issues and is due to see his Mental Health provider next month.  B/Card have sent him a form and asked him to ask his psychiatrist if he will complete it.  I've had a look at this form 'Debt and Mental Health Evidence Form' and if he can get it completed it can be copied and sent to all creditors along with an I/E form, then B/Card have said they will decide what direction they will take.  The Evidence Form is not specific to any particular creditor which is great if he can get it completed.   Bearing in mind, his appointment is not until mid December, then we have Christmas and New Year, I don't think the Evidence Form and I/E will get looked at until the New Year.  I have got time before Christmas to help him complete an Income and Expenditure form, or I can ask the family to help him out, but they are more 'hands on' with dealing with his disabilities, medication and health complications, so I don't mind spending a couple of hours going through an I/E with him, also he tends to open up to me more than his family.   Should I help him complete an I/E and send it to his two creditors, or should he wait and send the Evidence Form and I/E together.  I personally think it's better to send them both together, but it's the threatening letters he keeps receiving and phone calls which are making his mental health worse.  I do my best to reassure him and would welcome opinions on what I have suggested in this post.   Thanks for all your advice.    
    • should have done that a month ago.   dx  
    • Thank you for your response BankFodder.   First of all her employer is a care home and she is a Part Time Carer.  I do not know what the company is called but would prefer not to publish it here even if I knew.   Having read through the link you provided I would tend to agree with your opinion regarding the Estoppel standard of proof especially as she is getting 50% more than she should of been expecting.  Having said that she has had this from the very start and knowing her as I do it is possible she thought this was her monthly wages!    In her everyday life she goes from hand to mouth so there is no improvement in lifestyle unless you consider her absence from Foodbanks an improvement!   I think the solution is for her to repay at the low figure that seems to be in place but to disregard the contract requiring her to pay it back before or on leaving.  Should she give notice and work four weeks how can we stop them from witholding her last months wages?    
    • Hey,   so just received an email from CRS. Saying I have to prove I cancelled...yawn. Bearing in mind this is way over a month ago I sent them a letter! shall I just block them now? Not even respond?   this is regarding gymetc and I joined their gym online...   thanks!
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First Direct - Experian Credit File

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Quick query....


I checked my Experian Credit File last week and noted I had a 'missed payment' put on by First Direct.


I only have a current account with them so I checked my statement and could see that I haven't been over my overdraft limit so I couldn't understand why they'd put this on.


I contacted First Direct and at the end of March I didn't have enough money in my account to pay one of my direct debits (it was actually collected 3 days later when the direct debit was retired) so they bounced it, charged me, and then marked my file with a 'missed payment'.


How can they do this?


I didn't go over my overdraft limit and the direct debit is actually for a savings account.


If the credit file is supposed to show missed/late payments then surely this scenario is irrelevant? :-x

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if they are part of the group that uses a cRA, then how else are they to show the late DD?, it is a missed payment.

puzzled by how you say you didn't go overdrawn but couldn't pay the DD?


CRA's are there to show financial info, a missed DD, is sadly, something they or other creditors would be interested in, if you were to request pennies from somewhere.





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They didn't pay the direct debit so I didn't go overdrawn. And 'missed payment' on a current account means 'overdrawn' or 'over approved overdraft facility'.


Let me explain with another scenario....


If the DD was for a credit card and there wasn't enough money in the account, the bank would bounce the DD.


Then, both the bank account would have been marked as a 'missed payment', (even though no money was taken from the account and so the overdraft would be unaffected) and also the credit card would have been marked (as no payment would have been received). That's 2 black marks for 1 misdemeanor

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I too have had the same thing happen to me, I had a direct debit returned and was charged £25. At no point did this take my account over its limit as it was not paid. My phoned the payee the same day and paid with another card. I understand the charge being made (be it an unreasonably large amount) but I do not understand why my credit file should be marked.


I have many family and friends with other bank accounts of which missing direct debits do not get reported, except by the company that the direct debit was for and this is only generally done if the payment is more than 30 days late. If First Direct are the only bank to take such action then they will very rapidly become one of the UKs most unpopular banks!

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DX , ashas the right of it, the report shows a late or delinquent payment,

if a DD is not paid (bounced) you may well get charges for this DX is right the CRA's

report the management of the accounts an cannot leave out pertinent information that

might inconvenience the individual concerned.

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