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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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missing creditors on reports


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So I was on a DRO which ended July 2010, I have been trying to sort out my credits files since.

 

Creditors on DRO:

CAPITAL ONE

TSB BANK ACCOUNT

TSB LOAN

TSB CC

BANK OF SCOTLAND

BARCLAYCARD

MARBLES

NATIONWIDE

 

Oct 2010 - Credit files (callcredit & equifax):

CAPITAL ONE settled

TSB BANK ACCOUNT not on any report

TSB LOAN no default

TSB CC no default

BANK OF SCOTLAND down as MBNA & Arrow Global defaulted 29/09/2009

BARCLAYCARD down as Atkiv defaulted 12/04/2006

MARBLES default 15/01/2010

NATIONWIDE defaulted 22/07/2009

 

Nov 2010 Halifax settled my account

Dec 2010 Nationwide and Capital One have updated their files and settled my accounts, not current dates but at least they are settled for the moment.

Jan 2011 Arrow Global who bought my MBNA account have changed from D to US.

I still have my TSB loans as D, a credit card as D which was sold to Atkiv now US

Statuses -

 

OK = 4 | S = 7 | AR = 1 (TSB cc -should be SF/PS) | D = 2 (TSB loan + unknown) | PS = 1 (capital one) | US = 2 (both DCAs) | DA = 1 (MBNA who sold it) |SF = 1

 

Credit file details -

 

Callcredit:

 

Arrow Global = D (Sept 09) US (Jan 11) | OPEN

Capital One = PS (Sept 09) | CLOSED

Atkiv = D (June 06) SF (July 10) | CLOSED

MBNA = D (Sept 09) DA (Jan 10) | CLOSED

 

Equifax:

 

Arrow Global = D (Sept 09) | OPEN

TSB Bank Account = D (Oct 10) | OPEN

TSB Credit Card = AR | OPEN

TSB Loan = D (Sep 10) | CLOSED

Capital One = D (Aug 09) | CLOSED

Atkiv = D (Mar 06) S (Apr 06) | CLOSED

 

Sept 2011 Above creditors are no longer on my files! since starting my DRO I have moved 3 times but up till the last move (Feb 11) there were still on my account.

 

I usually use checkmyfile but have had a £2 report from Experian in Dec 2010 I had

CAPITAL ONE £1700 (settled) | TSB BANK ACCOUNT £300 | TSB LOAN £6000 (no default) | TSB CC £1800 (no default) |BANK OF SCOTLAND £1600 | BARCLAYCARD £750 |MARBLES £1800 (default 15/01/2010) | NATIONWIDE £300 (defaulted 22/07/2009)

Now these are no longer on this report either.

 

I can understand going through the individual credit report sites I might get limited info as you can only add 2 or 3 addresses (I have about 5+) but with checkmyfile I have only ever updated my current address and they have all my addresses as 'links'. Why am I not seeing all my creditors now?

[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

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so what are you trying to sort out?

 

pers if a debt does not show on my CRA, i would not bother about it.......or pay!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so what are you trying to sort out?

 

pers if a debt does not show on my CRA, i would not bother about it.......or pay!

 

dx

 

I'm not sure if my reports are correct & up-to-date,

I'd like to make sure that the creditors on my DRO are all 'settled' with the currect dates etc

 

They haven't dropped off due to the 6 years history.

Edited by 2009dg

[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

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have you a definitive list of those that were covered by the DRO?

 

that should be your starting point.

 

i'd go with what crfeditexpert list.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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My first post lists them (I also still have all my DRO paperwork) and I have already have prior contact with them either during my DRO or afterward. Creditexpert (experian) don't show any any more

 

I usually use checkmyfile but have had a £2 report from Experian in Dec 2010 I had

CAPITAL ONE £1700 (settled) | TSB BANK ACCOUNT £300 | TSB LOAN £6000 (no default) | TSB CC £1800 (no default) |BANK OF SCOTLAND £1600 | BARCLAYCARD £750 |MARBLES £1800 (default 15/01/2010) | NATIONWIDE £300 (defaulted 22/07/2009)

Now these are no longer on this report either.

[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

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thne if its clear i would not worrythe others will catch up

 

or email them the contents of the experian reportand ask why they are still showing them

when experian is clean.

 

dx

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sorry email who? others will caught up to what? None of the 3 reports show the creditors and they haven't past the 6 year mark yet.

 

I think I will just get the £2 reports from all 3 and go from there.

[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

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iF EXPERIAN DO NOT SHOW THESE DEBTS

AND THERE cra'S DO

 

EMAIL THEM THE EXPERIAN REPORT AND AS K why THEY ARE STILL SHOWING THEM?

 

DX

opps sri caps!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Appearing or not appearing on credit files that is the question:?::madgrin:

Points to note:

1. not all creditors use all the 3 main CRAs.

2. CRAs do not share data with each other.

3. A debit paid or not falls off after 6 years.

4. Bank A may use only Equifax, Bank B may only

use Experian.

AND any combination that is possible.

5. Strangely some companies, and I have such an

account, the creditor did the usual search, reported

on the account for 3month, then removed the

whole entry.

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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Appearing or not appearing on credit files that is the question:?::madgrin:

Points to note:

1. not all creditors use all the 3 main CRAs.

2. CRAs do not share data with each other.

3. A debit paid or not falls off after 6 years.

4. Bank A may use only Equifax, Bank B may only

use Experian.

AND any combination that is possible.

5. Strangely some companies, and I have such an

account, the creditor did the usual search, reported

on the account for 3month, then removed the

whole entry.

 

Yes previous reports have not all shown the same creditors but all but about 1 on my DRO has been on at least one report. None of these debts have past 6 years yet that is why I am wondering why have they fallen off this year.

 

I think the best idea is to get all 3 £2 reports and see what is & isn't on them.

 

dx100uk:

iF EXPERIAN DO NOT SHOW THESE DEBTS

AND THERE cra'S DO

 

EMAIL THEM THE EXPERIAN REPORT AND AS K why THEY ARE STILL SHOWING THEM?

I am totally confused. What Experian report? none of the creditors are on ANY of the 3 credit agencies.

 

I would just leave it but I don't want to end up in a few years time of thinking my credit history is good when in fact it's nowhere near.

 

I don't want to find I have defaut when they shold be cleared.

Edited by 2009dg

[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

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Yes get the three stat reports, Call Credit have a new

site called Noddle stat reports free for ever.

Brig.

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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