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    • Thanks DX, I'm happy that there are no valid reasons for them not to send us documents via royal mail - they were after all perfectly capable of sending these two letters.   The 12+2 days end on 7 December so I will ensure the DD's are cancelled for these and the Hoist one that is also being paid monthly on that very date. 
    • Sorry to hear the news Dave.   As for sums on top of the £100, maybe the judge ruled against the £60 Unicorn Food Tax but allowed £25 claimform fee + £25 legal costs.  Just a guess.
    • Hi guys!   Update:   Been forwarding all the text messages to 7726   These were the text messages:   28 October: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings.   29 October: It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group.    30 October: The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim.   We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.    2 November: We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter.    6 November: We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now.  It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now.    8 November: Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action 12 November: A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action.  13 November: We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group?   15 November:  Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202.    21 November: IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action.  23 November:  We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings.  We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop.    26 November: IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action.  29 November: We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202.  2 December: You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim.    Emails:   10 Nov:   Dear -----, LETTER BEFORE CLAIM AJJB Reference: NEAGPSG00035 Our Client: Photo Studio Group Balance: £1182.89 You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully. If you have a query relating to your balance then please contact us to discuss urgently. If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202. Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website. Please respond urgently to avoid Court action. Yours Sincerely, AJJB Law   19 Nov: Dear ----, RESPONSE REQUIRED AJJB Reference: NEAGPSG00035 Our Client: Photo Studio Group Balance: £1182.89 Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you. We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this. In order to come to a suitable way forward to address the balance please contact us today using one of the following methods: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Hopefully we can agree a way forward without the need for further action. Yours Sincerely, AJJB Law   27 Nov:   IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ) AJJB Reference: NEAGPSG00035 Our Client: Photo Studio Group Balance: £1182.89 We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due. A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). You can stop further action now by contacting us to discuss your circumstances or by making payment: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law I also received two letters to the address I currently live in:   1.  A letter before claim    2. Implications of a county court judgment     Please let me know if I should procede in any way.   Thank you all for your time!        
    • for whatever reason they fail the 12+2 working day time limit you may cease payments.   as for their stupid excuse to gander email details you do NOT.   they know full well there are ZERO Gov't guidelines regarding mail , .
    • I updated our details as we recently moved (May this year) with a certain price comparison website that uses a small mongoose as well as his servant and family as their advertising.   I had not connected the two and have had no searches by anyone on my credit reports that I receive.   Stigman    
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Late Payment Markers - Removal from Credit Report


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Hi All,

 

First of all, I hope I am posting in the right forum/subject if not please let me know.

 

I am in the process of reviewing my credit report as it is beginning to look like in the near future my girlfriend and I will be looking to apply for a mortgage and I have a few things on my credit report I'd like to clear up.

 

On my credit report (with both experian and equifax) it shows my HSBC current account (recently closed) as having 2 late payment markers showing one 2 seperate occassions. After some digging I found out that these were actually not a 'late payment' but actually on one occassion where a direct debit had been returned unpaid and another where a cheque had been returned unpaid - blatantly down to a lack of attention as I use one account for bills and another for day to day spending. Now I have written to HSBC regarding this however they have came back and said that they are well within their rights to do so (experian have confirmed this) but I really do feel like this is a mis-respresentation of my financial status - it's not like my accounts even went overdrawn, they wern't given the chance to do so!

 

It might also be worth mentioning I found one of these late payment markers before back in 2009, wrote to the bank and as a gesture of goodwill had it removed, however they now state they have done this once and can not be done again. I feel really frustrated as no other high street bank currently uses this practice and therefore it is unfair treatment by banking with them. Do I have any rights with regards to this? :|

 

At first I thought I might have found my solution on here but I have just realised defaults are different from late payment markers. I would really appreciate any help from anyone who has dealt with the same situation or knows someone who has.

 

Many Thanks in advance

 

Andy

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Hi, This is not a misrepresentation of your

financial status,it is a true reflection of the

conduct of the account, if the bank has to return a cheque

or a direct debit unpaid because it would take the account

OD then it must be reflected in the credit report, as the report

has to be accurate.

The bank may relent once but if further instances occur then

they are obliged to record the true status of the account.

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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I believe it to be a misrepresentation. If it said bounced cheque or returned direct debit I would accept this. But it does not. It claims I am '1 late payment' on my credit agreement.

 

Also I do believe it to be unfair as how can one high street bank conduct their reporting differently to another?? It has happened with my other bank account provider, and nothing has appeared whatsoever.

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The simple fact is that if there are not enough funds

in an account to pay the DD or a cheque on the due date

it's a late payment as you say banks each have their

own rules, the next time if it were to happen with your other bank they

may well do the same.

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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