Jump to content


  • Tweets

  • Posts

    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. So I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you dont have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
    • This is the crux of the argument. The scrappage contribution should have also been counted as a deposit. It was literally a part exchange in return for a cash deduction so there is no reason it wouldn't be treated the same way.  I did not request a VT, I was struggling to pay after a separation from my partner at the time. However had the figures been reflected correctly, the VT cost would have been 2k not 9k and I may have considered it as an option. Instead, the car was marked stolen and removed from my possession by the police
    • LOL - old one the fiver theory - although with the poops its take a fiver now, promise 10p  sometime in the future while claiming the reverse theory   So when is jenrick, an apparent slam dunk as referenced higher in the thread, being referred to the police? These poops need to know that anything they throw will be returned .. with interest  
  • 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

Overdraft debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4800 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

Hello,

 

I'm really struggling to get some advice about my situation and hoping someone here can help.

 

1st Credit Finance limited have registered a default on my call credit, credit file for "bank" for just over 2,000. This is impacted my application for a mortgage. The issue i have is that while at university I opened 3 student bank accounts and run each of them very badly. Exceeding the agreed overdrafts and then continuing to spend on them by using my cheque books and garentee cards.

This was 6 years ago and should have come off my file, which i'm assuming happened with the others. 1st credit have registered the default as march 2006, which is definately way after i originally defaulted on all of the accounts.

 

To date i have ignored all corresondance from 1st credit but now i need to sort this out as I have completely turned my financial situation around and i want to be able to buy my house. If i pay off this debt it will show on the credit file for another 6 years, whereas if i can sort out the default date then it should be removed from my file.

 

What i really need to know is:

 

1. Are overdrafts (unauthorised expenditure) covered by CCA's?

2. They have not stated which bank this is in relation to, so will I have to send a SAR request to all 3 to find out when the account defaulted.

3. How does defaulted accounts work with overdrafts? Is it when i last made a payment into the account, 6 months after that, or when the bank passed it on to the debt agency.

4. Do i need to start corresponding with 1st Credit finance

 

I am sure that this was definitely more than 6 years ago and i need to get them to admit this and remove it from my credit file. Any help you can provide me with would be greatly appriciated.

 

Thanks in advance

Link to post
Share on other sites

Hello,

 

I'm really struggling to get some advice about my situation and hoping someone here can help.

 

1st Credit Finance limited have registered a default on my call credit, credit file for "bank" for just over 2,000. This is impacted my application for a mortgage. The issue i have is that while at university I opened 3 student bank accounts and run each of them very badly. Exceeding the agreed overdrafts and then continuing to spend on them by using my cheque books and garentee cards.

This was 6 years ago and should have come off my file, which i'm assuming happened with the others. 1st credit have registered the default as march 2006, which is definately way after i originally defaulted on all of the accounts.

 

To date i have ignored all corresondance from 1st credit but now i need to sort this out as I have completely turned my financial situation around and i want to be able to buy my house. If i pay off this debt it will show on the credit file for another 6 years, whereas if i can sort out the default date then it should be removed from my file.

 

What i really need to know is:

 

1. Are overdrafts (unauthorised expenditure) covered by CCA's?

2. They have not stated which bank this is in relation to, so will I have to send a SAR request to all 3 to find out when the account defaulted.

3. How does defaulted accounts work with overdrafts? Is it when i last made a payment into the account, 6 months after that, or when the bank passed it on to the debt agency.

4. Do i need to start corresponding with 1st Credit finance

 

I am sure that this was definitely more than 6 years ago and i need to get them to admit this and remove it from my credit file. Any help you can provide me with would be greatly appriciated.

 

Thanks in advance

Link to post
Share on other sites

I agree that it seems very unfair to have a credit reference file entry which does not appear to relate to the date upon which the account ran into problems. I'm afraid that what you are experiencing here is common practice. The problem is that the credit reference agencies are unregulated and out of control. The DCA's have direct unfettered access to them. It is all a bit of a closed shop and very difficult to penetrate and very difficult to sort out.

 

Are you able to tell if you received an earlier negative credit file entry in respect of the same matter from the original creditor? This is another problem is that we are often hearing of: multiple overlapping credit file entries in respect of the same debt.

 

What often happens is that the original creditor will put an entry on your file. Then they sell the debt to DCA. The DCA then enters a another entry on your credit file – this might be three years down the line. If at some point the DCA gives up and decides to sell the debt on then the new DCA may well enter a further default. It is entirely possible for people to have defaults on the same debt going on for 12 years or more. It is completely unfair yet I have not noticed that anybody has so far managed to do anything about it. One or two people on the forum have said that removing multiple entries is an easy business – but they have never come back to this forum and told us that they managed it and how they managed it.

Link to post
Share on other sites

you have already posted this question elsewhere on the forum. I don't know why you think that multiple posts on the same subject are going to help you. We try to help you free of charge and trying to "gee us up" by repeatedly posting the same question around the forum is unhelpful to us – and it is unhelpful to you because it will make your story very difficult to follow.

 

Don't do it.

Link to post
Share on other sites

Wow - i had no idea that it would cause so many problems - i'm really sorry but i had no idea which place was the best to post to get a response - i didn't realise i was "geeing" anyone up - i just want some help and advice and i'm not sure how this forum works. I really meant no offence and didn't know all of the different forums were linked.

 

If you could let me know which is the best place to have this i will post it there and remove the others - i just want to get some help with this extremely stressful situation.

 

Apologies agian

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...