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    • Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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3 Defaults Help!!!


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I am looking to get a mortgage early next year and decided to check my credit rating as I knew it would be bad. My score is currently 600 with experian "poor". I currently have 3 defalts;

 

Cabot

Original debt with Barcleycard

Defaulted 31/02/2005 £707

Current balance- £1061

This debt has now been passed to a company called fire to recover the debt.

 

Lowell Portfolio

Original debt Capital 1

Defaulted 01/10/2005 £798

I have had no contact from this company as I believe they have an old address.

 

Aktivcapital

Original debt Topman store card

Defaulted 08/12/2004 £219

Settled 08/03/2009

I settled this as the were hounding me.

 

I was looking for someone to give me some advice if you can spare the time, as I am completely useless at these matters. I have read that some people have had some success in having these defaults wiped from their credit files, which is what I would like to do to give myself a chance of getting a mortgage. I hope someone can offer some advice. Thanks for taking the time to read this.

 

Paul

Edited by Paul11981
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Sadly, they are there to stay. You can't wipe them but they will drop off after 6 years from the original default date.

I have heard that it can improve your score if they show as settled. IMO you should work on getting them settled if you can, and then manage your credit file well untill the six years rolls over to ensure you are in a strong possition when it does...

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Sadly, they are there to stay. You can't wipe them but they will drop off after 6 years from the original default date.

I have heard that it can improve your score if they show as settled. IMO you should work on getting them settled if you can, and then manage your credit file well untill the six years rolls over to ensure you are in a strong possition when it does...

 

 

When you say original default date do you mean when the DCA defaulted me or the original credit company? thanks

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I am currently with the information commissioner to get the default out of the way. I just said I never received a letter warning from the company that they put me on default. With a bit of luck that helps. But its a long process.

1. Write to the original company insisting on removing the default as it is wrong.

good luck

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I am in the same position, I have a Default from Avon, I have never received a Default Notice. I sent them the Section 10 letter which they just basically laughed at and still haven't removed it.

 

Advice on here would be greatly appreciated, thanks

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Why bother with requestinig information? At the court THEY have to prove everything. So send them a letter telling the default is wrong and that they have to remove it. Allow them 40 days and then send a letter to the Information Commission. You need prove of sending though. In the meantime send a rimder to Avon.

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