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    • There will be no issues with a course offer if the dates are as you say. The usual cut off is four months from the date of the offence. This is so as to give the driver the time to accept the offer and take the course before prosecution becomes "timed out" at six months.   However, if the NIPs really were the first to be issued and there are no issues with the address details then both have a cast iron defence to the speeding allegation. The first is dated 20 days after the alleged offence and the second 23 days after the alleged offence. The Road Traffic Offenders' Act makes it quite clear that if a NIP is not served within 14 days of the alleged offence then no prosecution can take place. But as I said, late first NIPs are very rare and both need to check all the details I have mentioned before they decline any out of court offers of a course or Fixed Penalty.    For information, courses are normally offered for speeds up to (Limit +10% + 9mph). Only one course of any type can be taken in three years (with the date of the offences being used to calculate that period) and courses are not offered in Scotland. However, if a driver is not offered a course for any reason when he would normally qualify (including late NIPs) he has no right of appeal to have one offered. If the matter goes to court the court has no power to order a course.
    • My grievance against my manager is on Wednesday at 12.00 noon. A union officer is representing me. The representative for my manager is a product manager. I was told today that she is the Daughter or a Step-Daughter of the manager. Is this a conflict of interest? Am I correct in saying that, because the manager is the subject, the hearing has to be carried out by a person higher than the manager such as a director? if so, the product manager is not entitled to carry out the hearing. I'm pretty certain that I read this in law books. My Brother is a licensed union chairman but has since left his previous employment.  He is certain that I am correct . Any help would be gratefully appreciated.   diecastdave
    • Ok cool many thanks!  Much appreciated...I will check everything out now and answer all those questions!
    • Sorry,  its regular outgoings of payments. It’s income related they’re on, not contribution based.  Mum and applicant were totally unaware of the rules in regards to deprivation of capital.   On income related ESA but claim housing benefit and council tax support.   He hasn’t came into a huge chunk of money. It’s been spent over a duration of four years. appointee’s livid, and worried that he’ll be homeless.  
    • Hi all           I spoke to the courts earlier today and they advised me that the points placed on my licence were removed in October 2019, and that a court date is set for November 26th. Guess what ??? I had not been given that info either. The courts were very helpful and explained to me that everything had been sent to my previous address (which I have not lived in or owned for 5 years) The car in question was registered in March 2016 and I have owned since new and has never been registered to my old address. I have proof of this down to the point of not taxing the car March 2017 as the car was zero tax I did not realise I still had to go online and tax it, the summons for that was sent to my current home address.  it is very strange that the police directed everything to my previous address. i then contacted the police on the number given by the courts and was told to forward proof I was out of country at time of offence for them to look at, the police officer was very understanding and quite helpful giving the information. I have to e mail her tomorrow and will give an update when I know more as this previous address thing is really confusing !!!  
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mighty sword

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I have not checked my credit report yet - but at some point, probably later this year, will be looking at getting a mortgage, so will nbe getting hold of my report in August / September

 

my questions;

 

1 - I have defaulted on a few payday loan payment dates and one hight st loan (Oakham)

 

Is the default itself going to show up on my file and if so how long does it stay there - and what is the likely impact on my credit score?

 

2 - I had a CCJ around 5-6 years ago from Barclays - they closed my account down - credit card fees- I can't quite remember exactly when the CCJ itself was 'passed' . Is there any way of fidning out exact court dates? I would have thought that the information will be held somewhere..

 

3 - What is the diff on my credit file between a CCJ and default notice?

 

 

Thanks for any help.

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I have not checked my credit report yet - but at some point, probably later this year, will be looking at getting a mortgage, so will nbe getting hold of my report in August / September

 

my questions;

 

1 - I have defaulted on a few payday loan payment dates and one hight st loan (Oakham)

 

Is the default itself going to show up on my file and if so how long does it stay there - and what is the likely impact on my credit score?

 

2 - I had a CCJ around 5-6 years ago from Barclays - they closed my account down - credit card fees- I can't quite remember exactly when the CCJ itself was 'passed' . Is there any way of fidning out exact court dates? I would have thought that the information will be held somewhere..

 

3 - What is the diff on my credit file between a CCJ and default notice?

 

 

Thanks for any help.

 

 

I am in a situation with argos card services at the moment as I have found out they have put a default on my account after i paid the amount in full, there were other reasons before hand but was never told of a default. i have now found out a default will stay on credit file for 6 years and will show up on all credit checks done by any other lender. I would also be greatful of any help from others in what to do next. Thanks and good luck

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You can get a copy of your credit file for free on certain sites. I would advise that you do this so then your mind will be put at rest.

 

Defaults are kept on your credit file for 6 years and then they are removed.

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Hi,

 

If you have been issued with a Default notice and they have marked your file, It will stay there for a period of 6 years, whether you pay it off or not.

 

 

Your CCJ will appear on your credit file for 6 years (if it takes you more than 6 years to repay the CCJ, the creditor will re-register it with the credit reference agencies). However, your credit rating will already be affected by the fact you have not paid the contractual payments, which has resulted in you receiving a CCJ. Your CCJ won't show on your credit file if you pay it in full within 30 days.

 

If you manage to clear the CCJ within 6 years you can write to the credit reference agencies enclosing a "letter of satisfaction" from the issuing County Court to have the entry marked as "satisfied" on your credit file. This may be useful if you are applying for a mortgage, for example.

 

Regarding whether a Default is worse than a CCJ, - with a CCJ you can settle within 30 days and have it removed, or pay it off later and send in a form to have registered as 'saisfied', however, with a default you can't do anything except submit a 'statement of correction' to explain the circumstances around the default which lenders must take into account when they view your credit file.

 

Regards.

 

Scott.

Edited by maroondevo52

 
 

Any advice I give is honest and in good faith.:)

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You can get a copy of your credit file for free on certain sites. I would advise that you do this so then your mind will be put at rest.

 

Defaults are kept on your credit file for 6 years and then they are removed.

 

ok when you say free do you mean you mean you pay a month and then cancel it, or is it totally free?

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Remember, when you search your credit file, your details will be given to other agencies, which sometimes ends up with more people than you may wish, getting in touch with you, regarding old debts ect.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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If you have been issued with a Default notice and they have marked your file, It will stay there for a period of 6 years, whether you pay it off or not.

 

 

.

 

 

thanks - do you know the likelihood of a payday loan company marking the file with a default notice for missing one payment?

 

I am negotiating a repayment plan with them currently, so if they didn't mark the file with a default notice in January, would they do it at a later date ?

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No its free :-) but you just have to remember to cancel before the month is up

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No its free :-) but you just have to remember to cancel before the month is up

 

Is this Experian?

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Remember, when you search your credit file, your details will be given to other agencies, which sometimes ends up with more people than you may wish, getting in touch with you, regarding old debts ect.

 

I thought when you searched your own file it didnt put any mark on your own file? That is also what it states every time i check my own file. :-| Now im annoyed. Or is it just the score that wont be altered when you check your own file?

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I thought when you searched your own file it didnt put any mark on your own file?

 

Hi,

 

I know the last time I searched my file, I received calls from companys regarding very old debts, also DCA's 'phishing' looking for someone with the same surname as me who must have stayed in the same sort of area.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Oh i see. Well i dont live at the same address or have the same phone number so that may be why i dont get anything. But it is still my parents address so id assume that they would tell me if they had blithering idiots on the phone :rolleyes:

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thanks - do you know the likelihood of a payday loan company marking the file with a default notice for missing one payment?

 

I am negotiating a repayment plan with them currently, so if they didn't mark the file with a default notice in January, would they do it at a later date ?

 

 

could anyone please help with the above question?

 

I have negotiated a repayment plan for two high st lenders (Oakam and National cash Advance) - both said that as yet there has not been a default notice on my credit file - as long as I stick to the plan.

 

I am in the process of getting my Equifax credit file but need to send some documents in, so am waiting on this.

 

I know it is probably down to the individual companies, but does anyone have experience re; payday loans? As I said, I have only defauled the one time.

 

thanks

Edited by mighty sword

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CCJ's remain on your file for 6years only if you satisfy them before the 6years is up or it will be renewed and you'll have another 6 to go. Defaults will totally screw your credit rating, never heard of a payday loan company placing a default. As for looking at your file that does not leave a 'footprint' so you can look at it every day if you wanted. your credit file for example may have 20 searches on it but other companies may only see a few searches as searches for id arent seen by them. all credit searches are shown so keep this to a min if possible. the higher the cred searches the lower your score.

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CCJ's remain on your file for 6years only if you satisfy them before the 6years is up or it will be renewed and you'll have another 6 to go. Defaults will totally screw your credit rating, never heard of a payday loan company placing a default. As for looking at your file that does not leave a 'footprint' so you can look at it every day if you wanted. your credit file for example may have 20 searches on it but other companies may only see a few searches as searches for id arent seen by them. all credit searches are shown so keep this to a min if possible. the higher the cred searches the lower your score.

 

re; default notices from payday loans - is this from your own experience? or have you seen other credit reports also?

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