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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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Getting rid of a default on a credit report - student overdraft


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Hi guys, posting here on behalf of a friend because I received some good advice myself and I think the website's brilliant.

 

Her situation is that she took out a student overdaft several years ago upon starting Uni, then after a few months dropped out, the bank immediately demanded the amount paid back in full.

 

She said she could pay it back within 1-2 months but not immediately (as she had to get paid from work etc) - the bank refused, and defaulted her. She paid back the overdraft in full (I believe it was only a few hundred pounds) a month or two later, as she had initially offered.

 

She has told me her credit is now ruined and she can't even get a pay-per-month deal on a sofa from Ikea.

 

I think this is completely unfair and I'd like to see if you guys can help her out, or point her in the right direction. Is there anything she can do to get rid of the default marking? It seems very unfair of the bank to just default her even when she offered to pay the overdraft back very quickly.

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you'll have a job

but i'd write to the bank and appeal to their better nature

explaining it was a youth thing and now this is preventing her from progresing her life

inc evidence thattheirs is the only problem showing.

 

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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You could try but I wouldn't be hopeful unless you can prove that they didn't follow procedures correctly, i.e did they send her a Default Notice giving her 14 days to remedy? It is unusual for a creditor to register a default immediately it usually takes 2 or 3 months.

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