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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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poor credit vs good credit


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hey guys i just wondering in the uk alone do you think there is more people with bad/poor credit to the good/excellent credit in last 3 years as i think they be more bad/poor credit due to job losses and increasing defaults so i be amazed if anybody has excellent credit history with no defaults

 

what you think

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I have no defaults/missed payments/late payment/ CCJ's large debts.

Good income CREDIT RATING ''FAIR''

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Yours could well be a case of not enough credit or outgoings already too close to income to give anything higher.

 

I'm stuck with poor for a couple more years until the defaults drop off :(

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I have no problems getting credit at all have a look at my thread on the CRA sub forum

regarding credit scores.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I didn't say you did. The bits I mentioned may be enough to make the difference between fair and excellent though.

 

I'll have a read of your thread.

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I had not taken]any offence it was just a comment on the uselessness of credit scores (Which BTW are not seen by lenders):!:

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  • 2 months later...
Checked my files yesterday Equifax 2 points off excellent

Experian in the poor area:???:

 

Experian tend to collect more data than the rest, for example, Experian will tend to capture little things like how long you have said you lived at each addresses, ,what you stated your income was on each application etc. I'd say it is essential that you go through your experian report with a fine tooth comb - even the smallest of erroneous information, like one one application you state you liked there for 1 year 2 months and the next 1 year 4 month or salary £30k, then salary £29K would have an impact.

 

The more erroneous information on your file, the less your score...

 

As I am sure you know they must hold accurate data - so try to ensure that each detail on your file matches, if not - have them change it.

 

I maybe wrong, and there are probably other factors, but Equifax are the ones that cause people most difficulty. Also Experian might have a different scoring system.

 

I'm sure if you listed some details one of the guys here could also comment or make suggestions?

 

Div

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Hi Div, I've been working on a project for well

over 2 years on the CRA system and the credit scoring systems

used by lenders, I am fortunate not to have any debt problems

and no defaults late or missed payments, links to others etc.

I my professional life any financial wrong doing is severly

frowned upon.

I have contacts in the Commons and the Lords who will

be viewing the treatise when completed, I've corresponded

with all the CRA's the OFT and ICO on CRA related matters,

and in a few instances been paid compensation by DCA's for

myself and others regarding erroneous searches etc.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Div, I've been working on a project for well

over 2 years on the CRA system and the credit scoring systems

used by lenders, I am fortunate not to have any debt problems

and no defaults late or missed payments, links to others etc.

I my professional life any financial wrong doing is severly

frowned upon.

I have contacts in the Commons and the Lords who will

be viewing the treatise when completed, I've corresponded

with all the CRA's the OFT and ICO on CRA related matters,

and in a few instances been paid compensation by DCA's for

myself and others regarding erroneous searches etc.

 

I'd be interested in your findings.

 

The credit scoring system is unknown - like, nobody knows. I've tried to find individuals who actually work within CRA companies or the makers of their systems - but have got nothing.

 

I remember a time when you got credit easy - and ok, there is fraud, but they have definitively tightened up their systems and from memory the scoring system is fairly new? in the past 10 years or so?

 

Personally, I think the scoring system is based upon your income and expenditure as well as what you have been able to pay in the past.

 

However, the only problem being is that if someone never has had any credit or has been out of the country for many years either with work, family or forces, then they will have real problems gaining or establishing any credit, which I feel is unfair.

 

Basically, I feel that the credit scoring system should be transparent and we should know exactly how they score and what we get points for - I don't feel it is anything that can be used against the credit industry. If they were more transparent then I feel people would not lie, the truth always wins!

 

p.s. You mention in your signature, click your star if you've helped out - I don't see anywhere to leave comments ?

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Click twice I think:-D

I have been given an insight into

scoring systems after seeking help from

''higher authority'' it will make interest

reading, credit scoring has been around

for at least 40+ years I can remember

be credit checked to rent a colour tv in

the early 70's.

  • Confused 1

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Click twice I think:-D

I have been given an insight into

scoring systems after seeking help from

''higher authority'' it will make interest

reading, credit scoring has been around

for at least 40+ years I can remember

be credit checked to rent a colour tv in

the early 70's.

 

Ha, I remember the good times when my Gran used her cards in the click-clock machine... !

Also, double tap where?!?!

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Click twice on the star at the bottom

of the post it should show add to reputation.:???:

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi, D I still don't understand how it works:???::der::der::wave:

Thanks for the rep David much appreciated, always around to help if I can.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I don't think the credit scoring system is that hard to work out if you break down what is actually on the credit report.

 

The credit reference agency will have modules and divide 999 points between these modules and take away points.

 

Not being on the electoral register minus points

 

Not living at address certain length of time minus points

 

Having county court judgment minus points

 

Having default minus points

 

Being bankrupt minus points

 

Owing large balance minus points

 

Late payments minus points

 

Missed payments minus points

 

Over a certain amount of searches in a six month period minus points

 

 

So points are taken away when you do something wrong and given back when you do something right but some modules might have higher points taken away depending on if its a default ccj etc.

 

I'm no expert its just a guess on what I would do if I were starting a credit reference agency and how I would do a scoring system.

 

 

I have a low score due to two defaults and that's what sort of gave me the idea for the modules as my credit score was poor at 580.

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AS the credit ''score'' is not seen by potential lenders and

is purely an ''indication'' for the data subject it is largely

useless, how ever the systems used by the banks and other lenders

are commercially sensitive and use information other than the purely

mythical ''CREDIT SCORE''

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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