Jump to content
  • Tweets

  • Posts

    • Hi,   Been reading this forum lately as received emails from IDRWW representing a UAE bank (First Abu Dhabi Bank). Lost job in UAE last year and fled as had considerable debts (>400k AED) and didn't want to go to jail.   Thing is I do not have the cash to pay, I own no assets or property and I am currently living in Australia. Got caught up in the Dubai lifestyle and fully intended on repaying before I lost my job. I was out of work for nearly a year and my new job leaves very little disposable income due to the high cost of living in Australia.   I have never lived in the UK, worked in the UK and I'm not a UK national. I'm an EU national.   Can IDRWW/CWD do anything considering I live in Australia? Would a UK bankruptcy clear these debts?   Thanks,  
    • The French luxury brand will pay less to buy the US jeweller, ending a bitter dispute over the deal. View the full article
    • I’ve given them a 7 day warning to respond to me then I will go from there.  So you are saying, pay the courier and get the chair sorted, then start a claim? my worry is also that they won’t send me a new chair until receipt of the current. I’m kinda leaving myself open to no chair at all with their track record!
    • Uncle, Thank you, It looks like the EEO will be my best option if I can't use a third-party debt order. The EEO is still OK until Brexit is finalised (after that is unknown) but as long as I start it before year end I believe I am fine as anything started can conclude.   This brings me back to my previous question though, my judgment is against budgetair.co.uk but their parent company in Amsterdam is Travix International B.V   I believe the cost is only the cost of a writ at £66 but would the EEO be issued against Budgetair.co.uk and therefore not enforceable against Travix International B.V?  Or will I get the option to update the defendant as: "Travix International B.V (trading in the UK as BudgetAir.co.uk)"
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Credit History.... Help!


Please note that this topic has not had any new posts for the last 4025 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have had bad credit, a number of defaults and a CCJ. Everything has now been removed except for 3 cards with some late payment information and arrangement on up to 2007, in late 2006 or 2007 these cards were all paid off.

 

I have checked my file with Experian and they give me a credit score of 900 out of 1000 and they say that I am "very credit worthy and low risk" and that nothing is having a negative impact on my scrore.

 

For some reason though I still cannot get credit. I applied for a Virgin credit card so I could get away from my high interest Capital One card. They refused me. I also applied for a job with the Co-Operative bank and they refused me the job (I believe on the grounds of my credit history). I'm going for another job tomorrow and might have to be Security Cleared so really panicing that this will fail too.

 

Can anyone help me to figure out what's going on......?!?!?

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

Link to post
Share on other sites

DON'T trust the credit score figures you get from Experian.

 

They are nothing more than a marketing gimick. The same can be said for Call Credit.

 

Every creditor has a different score sheet and will give you a different score based on the same information, depending on what their score sheet weights the most / least.

 

I (others may disagree) have found the Equifax score to be very useful. Not because the score itself is accurate, but because it gives very useful guidelines in regard to what is positively and negatively affecting your score.

 

If you've had missed payments / arrangements to pay in the last three years you'll have great difficulty getting a card like Virgin / MBNA.

 

Check to see what Equifax say and go from there ;)

Link to post
Share on other sites

I called Virgin yesterday after posting and they said that its not anything such as late payments etc thats preventing me from getting their card.

 

Apparently its because I already have a credit card with a balance but I only pay minimum payment. I only have a £500 limit and its not up to that but they say that with my salary they would expect me to clear it each month. I did point out I had a mortgage and other bills to pay so clearing up to £500 a month wasn't really possible.

 

I thought that was a rubbish excuse to be fair. Surely they like people who only pay minimum payment. If I paid it of every month then they would never make a penny out of me. But then I suppose their card is 0% for 16 months so they wouldn't make anything anyway as I was going to balance transfer but hey ho.

 

I will drag out my paper work for Vodafone and let you know what I did. I will say though that the default was incorrect. They defaulted me twice on 2 different months and they also had the dates incorrect by some months. They wouldn't admit any wrong doing on their part, but all of a sudden the record disappeard from my credit files!

------------------------------------------------

HFC, PPI - With FOS

NatWest, Default Removal - In Progress

Intelligent Finance, Default Removal & Charges Claimback - In Progress

HSBC, Default Removal & Charges Claimback - In Progress

Abbey, Bank Charges - In Progress

------------------------------------------------

Lloyds, PPI **WON**

Halifax, Charges - Court Claim **WON** Donation Made To CAG

GE Money, Charges - Court Claim **WON**

GE Money, PPI **WON**

HFC, Charges **WON**

Halifax, PPI - Court Claim **WON**

Vodafone, Default Removal **WON**

------------------------------------------------

Link to post
Share on other sites

I remember when I applied for an MBNA card many years ago and they turned me down because my cards were too close to their limits.

 

I can see their point though, if you have a card with a small limit, you should be able to clear most of it each month. Keep in mind MBNA / Virgin normally accept people with whom they feel comfortable handing out £2500+ limits to.

 

It might be worth considering an RBS Group card like the Tesco credit card as they can be more lenient and have a rate for risk policy so they may just give you a higher interest rate (still WAAAAY lower than Crapital 1) rather than saying no.

 

I'd wait a few months before applying though as two credit card applications in quick succession mighn't look great.

 

RE: Vodafone, thanks for any input you can offer - I suppose I should SAR them to try and find as many discrepancies as possible and pull them up on every single one. As it stands I've sent their compliance team a letter demanding removal of the default on the basis that 1) a final reminder / paper default notice was never issued and 2) the DCA agreed to remove the default notice altogether if the balance was cleared in full (which it was).

 

Just waiting to see what they come back with...

 

... Good luck with Tesco when you decide to re-apply (as I say, try to wait for as long as you can bear to) ...

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...