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    • Para 4, ICO technical  guidance on the filing  of defaults at CRAs   4 It is an accepted industry standard to record only serious ‘defaults’ with credit reference agencies. The term ‘default’ on credit reference files is used to refer to the situation when the relationship between the lender and borrower has broken down. A record showing a series of payments as six months in arrears when this does not reflect the real payment history should not be used as an equivalent of a default. Where a code is used to describe a default or variation in payment, it should always be accompanied by an explanation in plain and intelligible terms which informs the reader of its meaning. 
    • I read this morning that ‘a cabinet minister’ has complained that over 70s are being contacted before all over 80s have been vaccinated.  It’s beyond all sense to me that a vaccination programme should be slowed or halted for any reason except safety.  I accept there’s a pecking order and we’d like to adhere to some notion of fairness where possible but this is a pure numbers game surely.
    • Even if a county court case is issued against you and you loose if you pay within 28 days it dont go on your credit file and also its cheaper to go to court becasue the £60 is never allowed so it would be £200 if you loose £230 if you dont go to court.
    • The government is being scrutinised over trade deals with countries with poor human rights records? View the full article
    • Just to update this thread , I have got another email regarding the the SAR request, This time from the general VM webteam email address, It's got the same GDPR reference number  This time the cheeky sods say Thanks for getting in touch with us about your Data Subject Rights Request, which we received on 18th January 2021     They seem to be moving the goalposts on the time line . I'm thinking of ignoring this email and wait till the time runs out on the 28th.    Thanks    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Equifax your time has come!


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This is a very good petition to sign as well. If we were to start one off like this about CRA then we all could put our own experience in about the CRA's :D

 

Against the nomination of Tony Blair as "President of the European Union" - Petition - Sign this petition here - Signature page - GoPetition

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  • 2 weeks later...

LOL,

The whole credit system needs overhauling as it encourages people to borrow more and more until they hit a financial meltdown where by another load of parasites start picking your bones:mad:

Hindsight is wonderful......

 

But now knowledge and advice are life savers:D

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I have had both my CCJs set aside by the courts. Experian have removed one but are refusing to remove the second even though I have checked the Registry Trust's records which now show that there is nothing registered against my name (and told them this). I have just noticed that when removing the first one, Experian had removed the wrong one and now having received notification from the Registry Trust to move the second they are refusing to remove because the case numbers don't match.

 

OMG Credit Experts I wouldn't trust them with a shopping list let alone my credit data.

 

I have had to do all the investigating myself and I am given different information every time I talk to one of their operatives...continually ask to talk to a line manager but strangely never there! I want a job as a manager at Experian, it must be a right cushy number! Any way once more into the breach tomorrow morning, by then my blood may have cooled to a mere simmer :mad:

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Regarding the Lisbon european treaty which we join on 1st December 2009.

 

Will this mean as europeans we will have the 3 year rule for holding are credit files as our fellow europeans do.

Take Control

! Use excel to document all your income and outgoings !

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Regarding the Lisbon european treaty which we join on 1st December 2009.

 

Will this mean as europeans we will have the 3 year rule for holding are credit files as our fellow europeans do.

 

 

... Does this mean are defaults etc ''fall off'' after this date..??? :p

 

:-D:-D:-D:-D:-D:-D:-D:-D:-D:-D

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Regarding the Lisbon european treaty which we join on 1st December 2009.

 

Will this mean as europeans we will have the 3 year rule for holding are credit files as our fellow europeans do.

 

Is there anything in writing about this or will we have to wait 5 years before any thing will done just like the MP's expensive fisaco giving them 5 years for the new rules to take affect.:evil:

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  • 2 weeks later...

Great, 4 months in and so far we have 415 signatures, another 85 needed within 8 months for some recognition, keep signing guys.

 

This is what happens when petition ends on 23rd July 2010.

 

What will happen to my petition once it is finished?

Once your petition has closed, usually provided there are 500 signatures or more, it will be passed to officials who work for the Prime Minister in Downing Street, or sent to the relevant Government department for a response.

 

Every person who signs such a petition will receive an email detailing the Government's response to the issues raised

 

http://petitions.number10.gov.uk/CreditRA/

Take Control

! Use excel to document all your income and outgoings !

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Signed.

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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