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    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and 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.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) 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.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Credit Reference Problems


Sk1ppy
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Hi All

 

My wife and I had a joint mortgage until recently and to be quite honest my credit reference sucks, Self employed defaults etc.

 

We no longer have any joint commitments in terms of banks, credit cards and so on. Unfortunately my history has affected her credit reference by association.

 

My questions are:

 

1. Can we remove this financial association now.

 

2. If we can break the financial link between us how does she do it.

 

3. How long will it take to disassociate her from me.

 

4. If we can disassociate financially, who does she need to contact. If its the Credit reference agencies, who are they. I have heard of Experion but no others.

 

5. If we have to contact the agencies is there a format for the letter.

 

Thanks in advance.

Skip

 

PS the mortgage was squeaky clean, always paid up on time for 15 years.

Edited by Sk1ppy
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My Doctor says that I don't suffer from Paranoia

 

But I know what he's really thinking !!!

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H, you can try writing to Experian , Equifax and Call credit the

main 3 agencies but it may be that the financial association

will stay for some time.

Just write to the compliance manager of each agency and

state your case.

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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They each have forms you request and then send back to them.

 

I dragged my Mrs into my bad credit score as well. trick is to have separate assets, debts and bank accounts etc. Provided you have no joint debts then her cerdit report will fix almost immediately she disassociates from you financially. Worked for us and my better half even got a mortgage :) which on prior joint apps had been declined :)

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Hi

 

Thanks for the reply.

 

My wife has a perfect credit record on her own and the above association relates to a mortgage that was paid up a while back, all other banking cards etc. were in her own name. The mortgage was paid in full every month and on time for 15 years. The joint mortgage did not even have the same surnames. We had different surnames then. What worries me is the 'the financial association will stay for some time' if she cant get adrift of me now how long will it be before she can. Are there any presidents that have been set about the length of time this may stay with her. I hope its not 6 years :(

 

Any guidance on this would be appreciated.

 

Cheers

My Doctor says that I don't suffer from Paranoia

 

But I know what he's really thinking !!!

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They each have forms you request and then send back to them.

 

I dragged my Mrs into my bad credit score as well. trick is to have separate assets, debts and bank accounts etc. Provided you have no joint debts then her cerdit report will fix almost immediately she disassociates from you financially. Worked for us and my better half even got a mortgage :) which on prior joint apps had been declined :)

 

Well that's what I was hoping, we are a bit estranged atm and this would not help the situation, besides I don't want to have an imprint of my head on the bottom of a saucepan :-)

 

Cheers

My Doctor says that I don't suffer from Paranoia

 

But I know what he's really thinking !!!

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Hi skippy, what do you mean by a perfect credit score

the 3 magic numbers seen on the credit report are onl

seen bu you not by lenders.

As your partners has a good score and you have no actual

financial accounts now active you should just request the disassociation

or ask for the form from each CRA it should not be a problem.

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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financial disassociation has nothing to do with the status of the relationship etc. you can be happily married and living together and disassociate yourselves financially as far as the wretched CRAs are concerned. TBH its the best thing to do where one partner has good credit and another has bad. The fact that the mortgage is now paid up and is not current is all that counts, so yes, you should be able to disassociate now as far as the CRAs are concerned.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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