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    • Hi Stormy   I do wish you good luck but I'd urge you not to get over-optimistic about a letter from your GP having any bearing on the outcome of this.  I do not share London1971's view that such a letter will assist you in defending the claim against you - unless you are suggesting that the diagnosis is so bad that you aren't functioning - in which case you probably ought not to be working.  Is your GP going to say that you can't be held liable for a breach of contract, but that you're perfectly OK to continue working and to make significant decisions in other areas of your life?  I don't know.   Also, I'm uncertain where the question of bullying and harassment first surfaced in this thread.  You engaged them on a NWNF basis to pursue a claim for you.  Apparently they contacted (or attempted to contact) you a lot - certainly more than you felt necessary or were comfortable with, and you ended up deciding to discontinue the case.  But were they harassing you?  Again, I simply don't know because I wasn't there - only you were.  Most people complain that they don't have enough contact from their solicitors, not that they are being harassed by being contacted too often.  [EDIT:  I also think most people would associate "harassment" with behaviour that is in some way harmful or damaging to the recipient, and not with a situation where the alleged harasser is trying to act in the other person's interest and to their benefit].    And I'm not sure where the bullying comes from?  They're suing you because they think you are in breach of contract and that you owe them the costs and expenses they've already incurred - and that they cannot now recover from the other party because you decided to discontinue the case.  I'm no particular supporter of law firms but, unlike some people, I don't have "anti-lawyer" as a default setting.  If they've genuinely incurred costs acting on your behalf and in your interests, then I think they've got a more than fair case to recover those costs.  Threatening to sue you or actually suing you isn't necessarily bullying.   I honestly think your best chance of success is questioning the level and extent of costs and expenses they claim to have incurred and try to reach a mutually acceptable settlement.   As I've said before, I'm not intending to be critical of you in any way and I'm really sorry that all this (the original accident, hassle with the lawyers and now them suing you) seems to have contributed to all the stress you have to bear.  I'm really just interested in ensuring that you can see this problem from all points of view and that you don't place too much reliance on an approach that I think has only very limited chances of success.  (But of course - as London1971 has pointed out - there's no harm in getting a GP's letter anyway AND preparing a legal defence like BankFodder is suggesting AND preparing to think about settling.  They aren't all mutually exclusive and you should keep as many irons in the fire as you can.  Use belt and braces and don't just rely on one).   Anyway.  Good luck.  I'm frequently wrong and you may win outright!
    • I would go with the following....please feel free to amend or add.   WITNESS STATEMENT OF Baycloves.pdf  
    • I think it would be prudent to stick with a realistic objective and that is the hundred and £69 which you you can apparently support by means of evidence. You originally said that you could have sold them for four times – £400 and I think this is certainly unrealistic. If you had some official evaluation of the books from an independent source then you would have stood a good chance but as the books have gone, I think your fallback is the £169
    • Hi  I don't have an issue going all the way - The only question I would have would be whether I could expect to recover the resale value or whether it would be best to concede this is unlikely. I can prove to some extent the expected resale value but not as readily as the prices originally paid. 
    • doubt if one telecom default would hurt anything even with prime lenders..
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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
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    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
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    • The controversial sub-prime lender says the City watchdog is investigating its practices.
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As a young person I've never really been bothered about CRA's. I've never had a credit card but had a few direct debits set up in my name. I applied for a student account recently and was rejected. They told me to contact Experian as to why.


Now I understand from reading a few of these threads that these guys are dodgy as hell so would like some advice please.


I would be interested to know what my credit file says but I'm not sure how to go about it. Should I ask for a credit report, or send them a subject access request or should I avoid being contact with there sort of people at all costs if I can help it?





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You will more than likely have been rejected due to not having no credit history.


You can gain a copy of your report by paying a £2 fee to experian. If you go to their website there is a a section where you can download the relevant form.


Wouldnt worry too much if you have never had credit or debt. You can just make sure there is no wrong information on there that may affect your applications.

IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

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It could be because you are young & haven't had any accounts/credit cards, & your not on any electorial roll so therefore the CRA's won't have any record of you.


Experian & credit expert do a free trial period. You can sign up if you wish and check your record yourself. If you do sign up and dont want to continue with a subscription with them make sure you cancel before the trial period ends - and cancel by calling them and ensure they send you an e-mail confirming cancellation.


If you don't want to do it on-line you can get a copy of your report by writing to them. I believe it cost £1.


If you do have any debts and you don't want to found, then signing up to CRAs will leave you open to being traced.

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Hi the fee is £2

and this is the address;

Experian Ltd

Consumer Help Service

PO Box 8000


NG80 7WF


put something like this

Could you please provide me with a copy of my credit reference file.

I enclose a cheque for £2 as payment for this service.

My details are as follows



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to be fair, lots of students will be in the same boat, no c/cards, barely on to the electoral register etc so that's probably not a reason for not granting a student account.


More likely to be that your pristine credit file is being confused with someone else's. Shouldn't happen but it does, and more frequently than you'd imagine.


If there is anything marked against you, remember as you can't enter into any credit until you turn 18, any dated before your 18th birthday are very easy to discount.


A quick scan of your file will show what the problem is, but if you're stuck ask on here there's lots of help available.

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Thanks for your help guys.


I will be sending off for my credit file.

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Have you never had a contract mobile phone or similar? That's usually why student accounts are rejected. Lack of any form of credit history. It doesn't have to be a credit card, but SOMETHING is usually needed.

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