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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK (www.gov.uk)  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
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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.

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Payday Loans and Credit Files


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Ok so this month I am defaulting on 7 loans. I have emailed each lender and tried to setup plans, so far this is how it's gone:

 

Access Fast Money - superb, very helpful and arranged straight away

Safe Loans - also very accommodating

Speedy Cash - couple of emails but now sorted

 

Still awaiting a response:

 

247 Moneybox

Convers Money

Tower Capital

Capital Finance One (no shock here)

 

My question is this, one of the lenders above who has accepted my payment plan has said that as the balance wouldn't be clear in 91 days a default would be registered against my credit file. Now I have a checkmyfile account and I can see all 3 of my credit reports and this debt is not shown on any of them, so can I still 'default' on it? I can see a Payday UK entry on there which is fine, but no others. Also, if I enter an agreed payment plan, can they register a default on me?

 

Any advice greatly appreciated

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It matters not if a payment plan is set up, the arrangement

to pay is not the repayments as scheduled in the original

agreement therefore the account is in default.

 

The CRA files must reflect the accurate management of

the account otherwise the CRA is in breach of the DPA 1998

 

Brig.

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Ok but if the debt isn't showing on any of my credit reports, can it be reported as a default still and then show up? I've had the loan for over 1 year and never missed a payment, but there's nothing on the reports in relation to this debt so therefore no previous payment history

 

Surely they cannot just add a debt onto the account with a black D with no previous payment history on there?

 

I am just thinking that these are scare tactics from them, but need to be sure

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A debt, contract, agreement, hire contract, can be placed on to the file at

any time, there is no breach of regulations in doing so.

They have a payment history in their files and could place it

retrospectively , together with the default, again this is a true

reflection of the account.

An arrangement to pay can be registered as a default, as

you are not paying in compliance with your original contract.

There is no scare tactic involved here as this is a normal procedure.

I have a rental agreement on which a search on my files was

made but it does not show on my files, agreements say ''We May Share information regarding the conduct of

the account with '' CRA's etc. not MAY there is no compulsion to do so.

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:

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