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    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
    • So you think not pay until DN then pay something to the oc to delay selling to dcas?    then go from there? 
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1st Credit


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Basically I had a debt with RBS for a Universa Credit Card – the limit was £250 the balance ended up being £420 due to unlawful charges – not including any that were paid during the time the account was active!

Anyway its was passed to a few DCA’s who naturally I ignored until 1st Credit contacted me…they said they were willing to discuss a payment plan or a reduced one off payment – I took the one off payment of just over £300 and I was told that they would inform RBS to update my credit file.

This was over a year ago and my file is still showing as in default and no payments made – the balance is still £420!

I have called 1st credit 3 times over the past year and they each time say they will inform RBS within 7 days – I have then called RBS who say they have heard nothing and can not mark it as settled without the contact from 1st Credit

What can I do?

Even though the debt is paid off can I send a CCA request and then when they fail to comply (which I’m sure they will do) can I claim all monies paid from them and use it to pay off RBS?

Also going to tackle RBS Universa for the default as never had the original default document and it was only defaulted as the minimum payments got to high with all the charges being added!

People who haven't made mistakes, haven't made anything!

 

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Update:

OK I have written to 1st Credit to officially ask them to report this account to RBS as satisfied – I have given them 14days not sure what to threaten them with if they don’t fulfil my request though…anyone?

People who haven't made mistakes, haven't made anything!

 

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Hmmm not to sure about the CCA thing.

 

only other option I can give you is to contact the CRA and put ina notice of dispute, they will get in touch with 1st credit and hopefully update your credit file.

 

Also am not sure if you can report them to Trading Standards.

My claims

 

Halifax - Data Protection Act 26/5/06, non compliance of Data Protection Act 20/07/06, Prelim £260 3/8, LBA 19/8

TSB - Data Protection Act 25/6/06, total £225, Prelim 4/7, LBA 11/7, court claim filed 27/7

Capital One - DPA 20/06/06, Prelim £270 1/8 LBA sent 9/8

B.O.S CC - DPA 20/06/06, prelim 6/7 £130, LBA 21/7/06, court claim to be filed

Citi cards - Data Protection Act sent 20/06/06, prelim 26/07 £520, LBA t 14/8

Black horse finance - DPA 18/06/06, prelim 31/7 £180, LBA 7/8

Halifax joint account - Prelim 6/7 £744, LBA 22/7 court claim to be filed

 

My Mums claims

 

MBNA - DPA 13/06/06, Prelim 17/7 £738, LBA 7/8

Capital One - DPA 29/05/06, Prelim 10/8 £570

Barclaycard - DPA 20/06/06, Prelim 6/7 for £420, LBA 17/7 court claim to be filed

Littlewoods CC - DPA sent 3/7, non compliance of DPA sent 14/8

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Hmmm not to sure about the CCA thing.

 

only other option I can give you is to contact the CRA and put ina notice of dispute, they will get in touch with 1st credit and hopefully update your credit file.

 

Also am not sure if you can report them to Trading Standards.

 

I have thought about that but i know many companies have a nasty habbit of saying their records are up-to-date even if they arnt...also 1st credit doesnt show on my credit file only RBS...and as RBS havn't heard from 1st credit they assume i havent paid - and therefore their records are correct :Cry:

 

I'll see what happens in the next 14 days and if nothing then i will try sending RBS copies of the offer from 1st credit and a copy of my bank statement showing payment in the hope they will update from that - unfortunatly 1st credit never sent me a letter to confirm payment etc so cant just forward that!

People who haven't made mistakes, haven't made anything!

 

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  • 5 weeks later...

Right i sent First Credit this letter to inform Universa that my ballance is paid - they have not responded - what can i do now? I wrote this:

 

Date: 22 August 2006

Dear Sir or Madam:

Account Reference – XXXXXXXXXXXX

I am writing after settling my account with you for the sum of £315.74 on the 21st November 2005 for an alleged debt with RBS.

I contacted you some time ago to request that RBS were informed this account was brought up-to-date, so my credit file could be amended accordingly with Experian, Equifax and CallCredit.

Several months later my file has still not been updated so I contacted RBS, who state they have not heard from you and will not alter the Defaulted balance without proof from 1st Credit that the debt has been settled.

Could you please confirm this to RBS immediately to resolve this matter, and inform me by return that this issue has been dealt with so my RBS file can finally be updated.

I would request that this information is provided to me within the next 14 days.

Yours Faithfully

 

 

Mr. XXX

 

People who haven't made mistakes, haven't made anything!

 

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  • 5 weeks later...

OK guys this is getting to me now...i just cant get any responce out of first credit - i refuse to call them i have checked their address and recorded letters are arriving - RBS refuse to do anything untill i have written proof off first credit that this has been delth with - any ideas?

 

i wnat this defualt removing as no contract etc with RBS any more but cant go down this route without having it settled as too much hassel!

People who haven't made mistakes, haven't made anything!

 

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I don't know if this is of any help, but what is the exact name of 1st Credit? I just had the benefit of looking at accounts for a company called 1st Credit in London and they have a big RED credit rating - ie: don't give them credit ! they don't look too healthy on paper themselves and I would suggest these guys need cash pretty badly - do a deal or what ? :D

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lol its no help to me as they have already had my money - they just wont tell RBs i have paid up so RBS wont update my default to settled!

 

this is there website: 1st Credit

 

i just want them to tell RBS - if they wont i want my money back so i can pay RBS directly!

People who haven't made mistakes, haven't made anything!

 

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Anyway its was passed to a few DCA’s who naturally I ignored until 1st Credit contacted me…they said they were willing to discuss a payment plan or a reduced one off payment – I took the one off payment of just over £300 and I was told that they would inform RBS to update my credit file.

 

Jo,

I know its all money, but would DSAR request provide you with the proof you have paid!!!!!

 

Regards.... Turnaround

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Guest HUSBANDKHAN

right there is way to have the default removed if you think that the dca may be on its way out. if they have not replied to any of your letters. firstly got Online Credit Reports and Credit Reporting from a Leading Credit Agency: Equifax and ask for a postal credit report. after recieving this 2-3 weeks file a on line dispute with them and also if needed send them the relevant proof that you did pay anything letter from dca etc. they will then temporarily remove the disputed file and contact the dca. the file will continue to be suspended until the dca write back. and in most cases the cra will amend the information them selves. read the faqs on the equifax site. if however there are any problems the cra will tell you also you can get the name and address of the dca by phoning equifax as well or which ever bank you are with. try and get a afax number and fax it over. also you could try going on sthe bank site and contacting them via thier contact us button.

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First of all-how did you pay them. If it wasn't in cash then it is possible to trace

it back to them.

 

Next, you sent them a request for info back in August I think, giving them 14 days.

Write back to them, reminding of the letter you sent, saying that as it was a

subject access request, the 40 days are now well and truly up. Give them a

further 7 days to conform, or you will report them to the OFT.

 

Alternatively, if you have proof that they have had the money, give them 7 days to inform RBS or you will inform the police that they have defrauded you and rbs out of £300, as they should have paid within a month of receipt of your money .

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First of all-how did you pay them. If it wasn't in cash then it is possible to trace

it back to them.

 

Next, you sent them a request for info back in August I think, giving them 14 days.

Write back to them, reminding of the letter you sent, saying that as it was a

subject access request, the 40 days are now well and truly up. Give them a

further 7 days to conform, or you will report them to the OFT.

 

Alternatively, if you have proof that they have had the money, give them 7 days to inform RBS or you will inform the police that they have defrauded you and rbs out of £300, as they should have paid within a month of receipt of your money .

 

well as it wasnt a DSAR i better not say it was - however that doent mean they shoudl ignor me!!

 

i do have it on my bank statement that the payment was made and it says it was 1st credit that took it - i also have the letter they sent me knocking about somewhere that requested i contact them to take advantage of a reduction in total payable.

 

i like the idea of threatening them with fraud as i guess if they wont sort it out then its sort of is!

 

i'll contact RBS this week just to confirm that its not been recoreded then i will send 1st credit an LBA and see what happens.

 

cheers guys

People who haven't made mistakes, haven't made anything!

 

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right there is way to have the default removed if you think that the dca may be on its way out. if they have not replied to any of your letters. firstly got Online Credit Reports and Credit Reporting from a Leading Credit Agency: Equifax and ask for a postal credit report. after recieving this 2-3 weeks file a on line dispute with them and also if needed send them the relevant proof that you did pay anything letter from dca etc. they will then temporarily remove the disputed file and contact the dca. the file will continue to be suspended until the dca write back. and in most cases the cra will amend the information them selves. read the faqs on the equifax site. if however there are any problems the cra will tell you also you can get the name and address of the dca by phoning equifax as well or which ever bank you are with. try and get a afax number and fax it over. also you could try going on sthe bank site and contacting them via thier contact us button.

 

1st credit havent put anything on my file - its RBS - they wont remove it unless 1st credit send them proof it was paid :(

People who haven't made mistakes, haven't made anything!

 

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Guest HUSBANDKHAN

Hi you can dispute this with a credit refrnce agancy. they will then write of to rbs and get them to get this confirmed. if not then they will remove the record until rbs come back wiith a valid reply. be sure to send them the proof of payment though.

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Alternatively, if you have proof that they have had the money, give them 7 days to inform RBS or you will inform the police that they have defrauded you and rbs out of £300, as they should have paid within a month of receipt of your money .

 

In my experience with 1st credit, they very often purchase debts from the original creditor, at a fraction of their face value.

 

If this is the situation with your debt, then obviously the above does not apply.

 

As has already been observed, 1st Credit are a very shaky company, and I'm not sure how much success you will have in pursuing them

 

You do, however, have legitimate reasons for suing RBS for repayment of unlawful penalty charges and removal of a negative credit reference, which they imposed.

 

I would suggest using the library template letters to send RBS a Data Protection Act request (if you don't know the amount of penalty charges) and follow each step from thereon.

 

I had a similar situation with MBNA and 1st Credit and, if it is of any use you can check out my thread athttp://www.consumeractiongroup.co.uk/forum/mbna/1895-mbna-credit-card.html?highlight=Philip+Hindley

 

Good Luck!!!

Phil

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I know the feeling! They chased me and took 'me' through the courts even for a gas bill even though I've never had bloody gas in my life. Turns out they were looking for someone with the same first initial and surname as me so just sent things to my address anyway and pestered me with phone calls.

 

To say they wouldn't take no for an answer is a complete understatement and the rudeness off staff when I was trying to resolve this was absolutely unbearable. I said that I would get a solicitor's letter to them advising them that no "Mr N XXXXXX" lived at that address and that they could have a copy of the covering page of the deeds proving that.

 

The response, "You'll be wasting your money as we'll get ya' anyway". Thanks goodness I'm not a frail old woman. (Strangley enough a check of the electoral register revealed that the guy they were looking for still lived in the property that had the gas supply!)

 

I do find it quite amusing in retrospect, but at the time it was incredibly frustrating and frightening.

 

Eventually they admitted defeat and 3 months later the 'urgent' text messages stopped.

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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