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    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
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2 x Retaliation Defaults - Help Please!


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Hi, I have just checked my credit reports and have discovered 2 defaults (by different companies). Both these accounts were wiped as neither could provide me with a copy of the credit agreement, so they have retaliated by placing defaults. Please can someone help me correctly word a letter to have these defaults removed without acknowledging the debts? Many many thanks!

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Not being able to provide a copy of the agreement does not wipe a debt, it still exists but they are unable to enforce payment through the courts.

 

I'm guessing that you've stopped paying because the agreement hasn't been provided?

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Yes, that's right, this was 2 years ago for both debts (1 for Littlewoods & 1 for Next), neither have chased me for the debts but have both placed Defaults on my credit files.

 

what can I do? sorry for being a bit thick - I just don't want to drop myself in it!!

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Basically nothing. The debts still exist, so if you're not paying they are entitled to register that information with the credit reference agencies.

 

About your only option would be to negotiate some sort of deal with them, but don't hold your breath that they will play ball.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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You should have read up first - the debt is NOT written off, and if in the future they come with the valid credit agreement it will become enforceable again, unless six years pass.

 

Played with fire, got burned.

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Troll!

 

Agree with DonkeyB. For cheerup to make a comment like 'played with fire and got burned' means he's either a sneering troll, or just downright malicious with too much time on his hands.

 

And if you look at all his other recent posts they're all much the same thing..

 

And sorry Leo, but it's really hard getting credit reference files corrected for unenforceable accounts. If you take them to court the onus is then on you to practically prove the case that the account didn't exist, which is much more difficult than defending an unenforceable agreement.

 

.

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  • 2 weeks later...

I disagree.

 

If they are unable to provide you with you credit agreement then they are in breech of the Data Protection Act as they do not have your permission to process your data.

 

If maybe worth writing tot he CRA's with this information. If you get no luck them complaint to the Information Commissioner. They usually instruct the firm to remove the default.

 

Good Luck.

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