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    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
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    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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danukindebt

Equifax your time has come!

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Recommended Posts

Sign our petition, 6 years is too long to hold OUR data, the fight starts here !!!!

 

Petition to: reduce the time Credit reference agencies hold data for to 3 years. | Number10.gov.uk

 

Update 20/01/2009 : Signatures so far 500

Update 07/02/2009 : Signatures so far 550

Edited by danukindebt
update

Take Control

! Use excel to document all your income and outgoings !

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Wonderful over 100 names in less than a week - keep it up....we need to get this going as well as getting one CRA for the country..... why do we have so many CRA's for such a small country?:eek:

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Yes a good start, special thanks should go to cag member citizenb who has put the link in the signature so it appears below all his/her posts.


Take Control

! Use excel to document all your income and outgoings !

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Need lots more signatures:)

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Signed....however needs llots more signatures AND someone to edit names as IMHO much less chance of being taken seriously when first name on list is Don Keyjacket and the ever poular Master Bates also makes an appearance too !Good Luck with this petition though.

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signed

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Signed it as well.

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Need to keep this at the top for more signatures:cool:

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Need more signatures:rolleyes:

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can anyone tell me, about ccj's ? ive got 3 and i want to go back and satisfy them for a mortgage application.

 

Firstly : Is it beneficial to me to satisfy them? as they are 3 yrs old, so on my credit file if i satisfied them , say tomorrow, is it still going to show up as satisfied for the next 6 years? or will they just show for the remaining 3 years?

 

Secondly : does anyone know of a self certification broker/lender ? I have a 25% deposit .

 

Any help would be greatly appreciated!

 

******************* I have also signed the petition! : )***************************************

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I am thinking if a group is formed on Facebook about the petition with a link in place there would be a massive response to this! x

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I am thinking if a group is formed on Facebook about the petition with a link in place there would be a massive response to this!

 

Not sure on this one, still a stigma attached if you admit to a poor credit file which of course works to the "lenders" advantage, having said that give it a go i will join, we need this to go viral by having link all over the net.

 

69000 signatures reaches the no.1 slot and I am sure the attention of those in the ivory towers, at the current rate we will only achieve 5000 signatures in a year, so get posting !!!!


Take Control

! Use excel to document all your income and outgoings !

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Signed and passed to all in my address book.

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Must keep this at the top for people to sign...;)

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Done & Bump up.

 

Shame about the false names, tis a serious matter folks !!!!!


 

Halifax

Sent LBA
27/6/06

Been on hol for a week, got home found letter from them dated
27/6/06 offer of £92 claiming £1155.10 so no deal.

Filed claim with Moneyclaim 12/07/06

Halifax acknowledged claim 25/7/06

Court papers received 28/7/06 Halifax intend to defend.

HALIFAX SETTLED IN FULL 1/8/06

Donation made

Birmingham Midshire (mortgage charges) Prelim letter sent 2nd Aug 2006, full offer received 11th Aug with conditions.

13th Aug accepted offer unconditionally.

BIRMINGHAM MIDSHIRES (MORTGAGE) SETTLED IN FULL 24/8/06

Sent SurlyBonds template letter to get defaults removed to Birmingham Midshires 27/08/06

DEFAULTS REMOVED 5/09/06.
THATS 9 DAYS LATER, YES 9 DAYS

 

 

 

 

 

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signed.

Is the facebook group setup yet???


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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More signatues needed, facebook would be good, any takers on setting up.

Wonder if the mods can email spam this link to all registered caggers, or would solving most caggers problems be against the sites best interest.


Take Control

! Use excel to document all your income and outgoings !

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Anyone got that Joanna Lumleys email reckon shes got some spare time now the gurkhas have won

 

"Ayo Gurkhali" or should I say "Ayo Caggerali"


Take Control

! Use excel to document all your income and outgoings !

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Over 200 names but need lots more, bumping this up again....get signing everyone.:)

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Must keep this at the top for more signatures...:)

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