Jump to content


  • Tweets

  • Posts

    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Table 1: (Credit Searches and Outstanding Debt Searches)


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5019 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

An 'Outstanding Debt' search shows that a company has carried out a search in an attempt to locate a customer.

 

You will notice that there are two tables in the Previous Searches Section

 

Table 1: (Credit Searches and Outstanding Debt Searches): Any Searches appearing in this table are viewable by Lenders and the number of searches recorded can affect your Credit Score.

 

• Credit Searches remain on Report for 12 months but only affect your Credit History for the first 6 months.

 

• Outstanding Debt searches remain in your Report for 2 years and affect your Credit History for that length of time.

 

Table 2 (Other Searches): Any searches appearing in Table 2 are only viewable to you and therefore do not affect your Credit History.

 

The two types of searches that are viewable by others and therefore affect your Credit Score are Credit Searches and Outstanding Debt Searches.

You’ll find more information about credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

 

I hope you find this useful. 27/04/2010 INFO ONLY

Link to post
Share on other sites

  • 2 weeks later...

Hope you can help out with this query then. A debt from about 8 years ago was settled. The debt was regarding Natwest. However, the default still remains on the credit file. After approaching Natwest to sort it out, they just said they no longer have any records of that account as it was closed once settled. We still had the debit card and cheque book but they couldn't help us. How on earth are we supposed to have that default removed so we can move forward credit wise?

 

Hope you can advise.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

Link to post
Share on other sites

Get in touch with the credit reference agencies and demand it's removal, it should have automatically dropped off after six years.

 

 

 

That's what I thought. Are they obliged to remove it after 6 years?

 

It actually says "satisfied", but any credit searches just seem to show the big red eight, which of course is a default.

 

I know of Experian, can you tell me the name of the other 2 companies please?

 

Thanks

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

Link to post
Share on other sites

Are they obliged to remove it after 6 years
In the majority of cases yes.

 

I know of experian, can you tell me the name of the other 2 companies please?

 

Equifax Plc

Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

Free Credit Report and Credit Check Services - Equifax

Call Credit Plc

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

0870 060 1414

Callcredit | Check your credit report direct from a UK credit reference agency

Experian Ltd

Customer Support Centre

PO Box 8000

Nottingham

NG80 7WF

0844 481 8000

Credit Check, Credit Score and Free Credit Report from Experian UK

Link to post
Share on other sites

  • 3 weeks later...

Try the 30 day free report ,remember to end before 30 days are up, then re-apply -end re-apply-ECT this is the back door to there system to get free reports for ? amount of years////use the online dispute for any dispute eg outstanding debt searches eg debt tracing on your file// I have 14 out 15 removed from my file because they can prove info or don't respond to the 21 days limit set by cra and it's a free service:cool:.

Link to post
Share on other sites

eg

The footprints relate to lawful trace activity. However happy for the footprints to be removed. remove all data from all credit reference agency.==============================================

 

 

We have not received a response to your query and have now removed this information. We have created a new report for you so you can view this change.

 

The note previously added to your credit report, stating that your information was in dispute has now been removed. You’ll find more information about your credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

 

I hope you find this useful. If there’s anything else we can do for you, please let us know.

 

Kind regards

 

Equifax Customer Services======================================AFTER LIAISING WITH OUR TRACE DEPARTMENT WE WOULD REQUEST THAT ALL SEARCHES REGISTERED BY capquest ARE REMOVED FROM CUSTOMERS CREDIT FILE WITH IMMEDIATE EFFECT AS THESE WERE ENTERED IN ERROR.==================================================

I acknowledge your comments regarding this dispute, I appreciate your frustration and concerns in trying to get this matter resolved. However this search is under dispute and the company have not yet responded to us, there is nothing more we can do.

 

You’ll find more information about your credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

 

I hope you find this useful. If there’s anything else we can do for you, please let us know.

 

Kind regards

 

Equifax Customer Services===========================================

We have not received a response to your query and have now removed this information. We have created a new report for you so you can view this change.

 

The note previously added to your credit report, stating that your information was in dispute has now been removed.

 

You’ll find more information about your credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

 

I hope you find this useful. If there’s anything else we can do for you, please let us know.

 

Kind regards==============================================================================The company has agreed to remove this information and we can confirm this will not show on your credit report. We have created a new report for you so you can view this change.

 

The note previously added, stating that your information was in dispute has now been removed

 

THIS IS FOR EG PURPOSE ONLY

Edited by dangeroussam
Link to post
Share on other sites

BAD NEWS

We have an outstanding account as far as we are aware for the consumer, please advise the consumer to contact Ca~~~ financial directly to discuss the matter DON'T ANSWER TO THIS EG 6 YEAR RESET TO CLOCK.

 

as far as we are aware/ dca don't do home work/ YOU CAN.

Edited by dangeroussam
Link to post
Share on other sites

FREE Equifax Credit Report™Cancelled --/05/10

FREE Equifax Credit Report™Cancelled --/05/10

FREE Equifax Credit Report™Cancelled --/04/10

FREE Equifax Credit Report™Cancelled --/04/10

FREE Equifax Credit Report™Cancelled --/04/10

FREE Equifax Credit Report™Cancelled --/03/10

Equifax Credit Watch™ Gold Cancelled --/02/10

 

It's the back door to a free report, it's a free 30 days trial thats the key to this loop hole##########################.

 

Dam they closed the back door now

 

Our records indicate you have already taken advantage of a 30-day free trial subscription to Equifax Credit Watch™ Gold. You may continue your order for Equifax Credit Watch™ Gold; however, you will not receive a 30 day trial at this time. If you feel you have received this message in error, please contact our Customer Care department at Equifax Customer Care or phone 0844 335 0550 (Calls will be charged at 5p per min) between 9am to 5pm, Monday to Friday

Edited by dangeroussam
Link to post
Share on other sites

Moved here.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Dangeroussam-have you any connections to Equifax ??????

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Ah I see.

A service user covers a multitude of possibilities.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Help please I have just had a copy of my Equifax report it show 8 searches over

5months by Mackenzie hall some time twice in one day an 3 by Lowell strangely the dates all match up to times when I have contacted these cretins for members of my family to help them sort out problems.

I have no liability to either company at all.

I have an Experian report no such entries appear.

Equifax list them 09/0609 Mac H kilmarnok (Bat) 2on this date as an outstanding debt searched undertaken in connection with credit application?

the others are listed as debt collection or outstanding debt. or unclassified.

It seems to me these are vexatious/malicious in view of the circumstances.

Also there is an entry by 1st Credit the only dealings I have with the is for a third party , anyn advice would be much appreciated have written to both CRA but no reply so far.

Link to post
Share on other sites

  • 2 months later...

I'm having issues with crapquest leaving numerous searches for outstanding debt under table one of my credit report.

 

Having contacted the DCA they have now added a bloody notice of correction dispute to my file, which is even worse as far as I can tell?

 

Any ideas how one should go about drafting a letter to equifax to demand these are removed? I have no ideals with crapquest and certainly haven't applied for credit with them, I mean **** knows why they feel the need to do 5 searches in less than one month?

Link to post
Share on other sites

Help please I have just posted a new thread about these searches and am

trying to gather a folio to submit to the regulators and my MP.

Thread is in debt collection industry, all info welcome.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...