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    • STD BS from overdales. next letter will be a copy of their N180 claiming they've filed their DQ already, when MCOL and the court havent even sent them out yet! all pat of their std intimidation and harassment tactics. on better than avg paypal EU cases here they either let it get stayed or discontinue just before they have to waste more money and pay the hearing fee or file their WS, IF the claim gets that far... dx    
    • its an online hearing almost guaranteed you can rep him.  he need not know anything about it. the IAS assessors report was uploaded here by you long ago. dx      
    • Thanks for updating us. Your decision is very understandable. Don't worry. You have done very well standing your ground against these people in a way you have and you have got everything you wanted bar just a very few quid. Congratulations
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    • I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time  British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme.  But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.      
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Will a 'fair' credit rating prevent me from passing a credit check?


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Hi guys,

 

I'm in sticky mud at the moment. A bank job that I'm in the process of applying for relies on me passing a credit check. According to my CreditExpert report, I now have a 'fair' credit rating - 700+ points. There's a red mark on the there which is a default - I'm trying my best to sort this out. And there's also a green mark on there saying that my account hasn't been searched for the last 6 months which is apparently a good thing.

 

The question is, will I pass a standard credit check? If not I'm going to have to try to get the default removed which sounds like a time consuming task - time is what I don't really have much of! I was hoping that if I called the debt collector in question and offered to pay the full amount that they'd clear the default for me.

 

Any thoughts guys? Help would be much appreciated.

 

Thanks,

Jim

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Hi Jim, What is ''a standard credit check''?

It will depend on the prospective employers

view of situation and what standards they

set.

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Hi Jim, What is ''a standard credit check''?

It will depend on the prospective employers

view of situation and what standards they

set.

 

Hi there, thanks for the reply. It's the credit check a bank runs in order to assess whether or not an individual is suited to working in a banking/financial environment. Basically I just want to know how likely it is that I will pass such a credit check bearing in mind that I'm not applying for credit and haven't applied for credit for several years.

 

Thanks again.

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It's in the region of £400.

 

Which DCA is showing up on this?

You could try getting the default removed

by paying it, but there is no obligation for

the DCA to do so.

Has the default been on file for long?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It's with Roxburghe. The default was registered in April 2008.

 

I'm considering paying it off in full but if they don't remove the default from my record I'll be much worse off.

 

Jim, this is a difficult one to call, but it might be worth while

ask Roxburghe and see if they will cooperate.

You may I suppose be asked to explain it at interview?

A thought do you know anyone who would know what

criteria they will look at.

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Thanks again. Well in this case it's an agency who runs the credit check on behalf of RBS. There is no formal interview per se. So as far as I can tell, the agency just run a general credit check (whatever that might be) and see if it passes.

 

I'm all up for contacting Roxburghe but is there any way to be sure that they actually have the power to remove the default from my credit report?

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Well it turns out that Next are now dealing with the account again. Apparently there is no way they can remove the default from my credit report. All they can do is mark it as satisfied if the balance is paid in full, which won't be done until the first Friday in April - so April 8th! Does this sound accurate? Thanks again.

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Emmm usual sort of response from catalogue type

creditors, they can remove the default as ''gesture of

good will''.

Can't see the reason for a month delay other than

that they only update CRA files once a month.

You could try a letter to the Compliance Manager

at next and plead your case.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks again for the help! Well I have to speak to another department at Next on Friday so I'll raise the query again. Either way, it's probably not going to help now as I'm going to be credit checked by the employment agency tomorrow! Ah well, fingers crossed it'll pass.

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Thanks again for the help! Well I have to speak to another department at Next on Friday so I'll raise the query again. Either way, it's probably not going to help now as I'm going to be credit checked by the employment agency tomorrow! Ah well, fingers crossed it'll pass.

 

Good luck, you can explain that you are trying to pay the debt in full should it come up.

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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