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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Lorenz
      MCOL help not being paid for job

      By Lorenz · Posted

      No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #1 - Halifax CC

      By Badtimes123 · Posted

      Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • tedney
      HFC Marbles credit card SD - was dismissed as voluntary joint charge provided - now owed by Cabot - settled at home sale - was i overcharged?

      By tedney · Posted

      I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
    • FTMDave
      LC Asset/Link/Kearns Claim Form #1 - Halifax CC

      By FTMDave · Posted

      Open.
    • jk2054
      MCOL help not being paid for job

      By jk2054 · Posted

      did you submit your directions

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      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.

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      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
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Can payday loan companies trash your credit file?

TheAnalyst
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TheAnalyst

TheAnalyst

Posted
Posted

As title,

Has anyone ever had negitive information put on their credit files by a Payday Loan comapny?

 

If so then:

 

What Company (Wonga, PTP etc)

What Information (default, late payment mark?)

 

Cheers!

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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TheAnalyst

TheAnalyst

Posted
  • Author
Posted

Anyone?

 

Had anyone had anything bad left on their credit file by not paying a payday loan?

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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sillygirl1

sillygirl1

Posted
Posted

What might happen is they repeatedly do a credit search and leave a footprint, this will effectively lower your credit score each time a search is carried out.

 

They cannot actually trash it as such by any other method, putting a false account on there is easily sorted out and the company concerned can be closed down for that type of behaviour.

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TheAnalyst

TheAnalyst

Posted
  • Author
Posted

I'm more talking about if you default on a Payday loan agreement.

 

Had anyone actually had anything (defaults, late payments etc) applied to their credit files as a result of defaulting on a Payday loan agreement?

 

Thanks!

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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TheAnalyst

TheAnalyst

Posted
  • Author
Posted

Anyone?

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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DarkRain

DarkRain

Posted
Posted
Anaylist, i bought a copy of my credit file last month. after several PD loans and other loans, no PD loan or DCA was registered.

 

Did that include Wonga? And did you receive a DN from them?

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DarkRain

DarkRain

Posted
Posted
I have a defaulted loan from Wonga which is being paid by a DCA. No DN and nothing on my file.

 

That's interesting, thanks. Can I just ask long ago was it you defaulted with Wonga and did you just wait for it to get passed to their DCA?

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  • 1 month later...
lord_tiger_putin

lord_tiger_putin

Posted
Posted

I have 2 payday loan DN on my callcredit profile, one of them Wonga. No notices send though! Looking for info how to deal with them. Anyone that can help?

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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26072004

26072004

Posted
Posted

It would appear all a default notice has to contain is the following info.

 

* Name and addresses of both the creditor and the borrower.

* Agreement type and the agreement breach details.

* Settlement figure (Fixed sums only).

* The action required by the borrower to remedy the situation and comply with the agreement.

* Intended action of the creditor should the borrower fail to comply with the agreement

 

This would appear to cover most arrears letters or emails sent out by lending companies.

 

Ask for a copy of this letter but do this by post and send the letter recorded.

 

If they do not respond in 7 days write to call credit enclose a copy of your letter and proof of postage/reciept at wonga and ask them to remove it as the correct legal procedures have not been met by wonga and they have not replied to your request for a copy of the default letter.

 

Dont know how long this will take (or even if it will work) but its worth a try

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lord_tiger_putin

lord_tiger_putin

Posted
Posted

I am familiar with the format for a default to be valid, what I am not sure is whether these types of loans fall under the CCA.

 

I do not think writing to them is sufficient, I will make a SAR to both, they haven't send anything and should they also be covered by CCA, they will be doomed!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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26072004

26072004

Posted
Posted

I have a copy of a wonga agreement here and they are regulated by the CCA.

 

should it turn out they are not adhering to the CCA regulations maybe they could have their license withdrawn.

 

I live in hope.

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lord_tiger_putin

lord_tiger_putin

Posted
Posted

Thanks 26072004, this extremely helpful!!

 

They cannot post a Default on your credit file without first issuing a default notice strictly in accordance to the rules. If they do then I can sue them for damages, they can also cannot issue the notice AFTER registering it in the appered on the credit file.

 

I am going to send a SAR, then they will get the letter before action, the complaint will go of to the ICO and the CRA will get the complaint as well!

 

Could be fun!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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