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    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
    • Hello and welcome to CAG.   People will be along later to advise you, please bear with us until they're able to get here.   In the meantime, I suggest you edit your attachment because you've left your name on it. Please check it carefully and remove anything that can identify you.   HB
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Equifax still showing bad credit after 6 years


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  • 3 weeks later...
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Hi,

I have recently changed to Santander after many years with Natwest and they suggested the 123 credit card. I couldnt see why not so applied and have been rejected. I have looked in to this more closely and it appears that i have a default payment on Equifax from May 2005 which was closed in 2007. It is coming up in black on checkmyfile.com and is a negative factor. The description is 'Communications supplier' however i cannot remember what this could be for. Nor have i had any letters for this chasing Payment. I have asked for a Equifax disputes pack from checkmyfile.com and am awaiting this.

What can you advise me to do? Thank you in advance.

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Great thread for the people who want to know about credit histories.

 

I have a number of debts, all of which I defaulted in late 2006 due to redundancy.

1) Natwest took me to court and I now pay them £200 a month and have been for 6 years, to clear a £24k debt with a CCJ - slowly chipping away - hopefully I'm going to try and pay this off this year in full.

1.1) £2k - dropped off my credit file last week

1.2) £2.1k

1.3) £20k

2) Barclaycard same as above, CCJ, paid off £100 of a £5k debt, then it passed onto to a DCA, so I stopped paying, owe about £2.8k

3) £13k with Halifax - is now statue barred and dropped of my credit file last week

4) £5k with Crapquest

5) £2.2k - Halifax credit card - with a DCA

6) 5k with Egg now with a DCA

These all drop off this year :-)

 

Q. Even though the CCJ records will drop off this year, what will happen to the actual CCJs? Can credit companies see public records like CCJs?

Q. What will happen to the payment history of the accounts that I am paying post 6 years - will it still show default or satisfactory?

 

 

Ta

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CCJs are removed after 6 years but technically still exist BUT the claimant would have to apply to a court to ''restart'' the claim after 6 years this is only granted in very extenuating circumstances.

All default entries are removed paid or not.

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So on my credit report in the Public records section its shows 2 CCJs, will they drop off after 6 years too?

 

Also, when Barclaycard sold on my CCJ debt to a DCA, they marked it as satisfied. Does that mean that the ccj should be removed from my house?

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NO the CJJ is personal not on an adress, yes the will be removed but will still exist the claimant would have to apply to the court to restart the claim, this is rarely given and then only in special circumstances.

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Cheers Brigadair2JCS.

 

Does that mean that the ccj WILL be removed from my record because the 6 year limit is coming up...this month for one of them :-)

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  • 10 months later...

hi there,

 

thanks for providing good information.

 

Im facing similar problem. i have paid my last payments in may 2006 for all lenders except my mobile that i paid upto dec 2007 after that i couldnt able to paid.

 

still few chasing letters are coming to my previous address but from debt collecting agencies.

 

so, im just wondering...1...is my bed credit rating still on my credit rating....2..how to find out my current situation.... 3.. most important one...in order to find out current situation, if i contact Experian and other two credit agencies and if my past history is still on their records then would it be for next 6 years!!!

 

plz clearing my above three doubts!!

 

Thanks in advance.

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Hi, defaulted accounts are removed from credit reference files on the 6th anniversary of the default date paid or not, they cannot be replaced ever again.

 

 

However the debt still exists and remains collectable.

 

 

If there has been no payments or unequivocal written acknowledgment of the debt in 6 clear years then the debt will become statute barred in the case of credit card and unsecured loan debts, but again in England & Wales the debt still exist (in Scotland the debt is extinguished after 5 years).

 

 

The OFT Guidance on Debt Collection, Appendix B, states that it is unfair to press for payment (of a statute barred debt) once the debtor has informed the creditor in writing of the status of the debt, to do so may amount to harassment.

 

 

For bank accounts/over drafts and loans secured on goods(Hire Purchase) the six years May start from the date the account was defaulted.

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Hi,

 

Thanks for your prompt response!!!!

 

That means my accounts should have been removed from credit reference files by now because (as i mentioned earlier) i paid last payments in may 2006 for all lenders except my mobile that i paid upto dec 2007 and i didn't made contact or agreement with lenders after those dates . Am i right??

 

Can i check my account in Experian and other two credit agencies to know current situation, or will it create any problem if i contact them now.....please guide me what to do

... how to start to build the credit history now without any affect of my previous bad credit history ...

 

i had bank account with halifax, so is it possible to open account with them now or you want me to open accounts with other banks

 

please guide me with step by step procedure to start build the credit.

 

Thank in Advance.

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Ok ,

 

 

1. yes check credit files asap. If the accounts were defaulted that long ago then they should not be on the CRA files..

2. No one else will be aware that you have checked you credit files.

 

 

Once you have the CRA data you can start to review your choices as what and when you need to do to rebuild a credit profile.

 

 

Some definite do nots.

 

 

1. Do not make frequent and multiple credit applications of any sort. These leave visible footprints on the files.

2. Stay away from comparison sites when looking for suitable credit building cards, or insurance paid by instalments.

Each company that quotes will access credit files.

3. Totally avoid short term loans (payday loans companies may claim that these can help to improve a credit rating, unfortunately the opposite is true.

 

 

Things to do.

 

 

1. Make sure you are on the electoral roll.

2. Stable residential status in very important.

3. Ensure all types of account are always up to date, including utility bills, these companies will report late/missed payments and defaults in many cases.

3. Get a basic bank account, no frills no overdraft and never go overdrawn, or have unpaid direct debits etc.

4. Take a look at credit builder credit cards (look at the adverts on line) don't use the comparison sites),>

Capital one have a card that with a low limit of £250.00 is easy to manage will most certainly help repair of your credit profile.

5. Use the card regularly for small purchases and always clear the balance on time every month.

 

 

Hope this helps.

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hi,

 

thank you very much for your help..i will check my credit files ASAP with Experian on there website...

 

just wondering.. do i need to check my files on all three credit check companies or one is enough?...and one more thing do i need to give my past six years address details to Experian????...please suggest me

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Check Experian and Equifax they are the most used, if you want a full report yes all addresses will be needed.

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  • 1 month later...

Hi balster,

 

 

can I ask you a quick question...... did you pay off these debts apart from the ones that went to a CCJ?? I have a few (well a lot...) defaults that I am currently not paying, I am trying to clear the debts that have not went that far yet???

 

 

Thanks :)

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I have a default which should have dropped off on 15/03/2014. Experian were on the ball and its dissapeared. However its still on equifax despite ringing them 4 times this week and them telling me they were onto it.

Is there anyway i can be a bit more forceful??

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Equifax just don't update as quickly end of month it seems.

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  • 2 weeks later...

I've read this thread with interest and registered as a result.

A question i've tried (and failed!) to get help with: is it true that a debt is only classified as statute barred if the individual remained available to be contacted regarding it? I went overseas ten years ago, leaving a personal loan, a phone bill and a maxed out credit card. Surely given the fact that I vanished and left no means of being contacted, I'm still liable to be pursued for the debt, no?

My Experian report is completely blank aside from some electoral role info; no CCJ's… nothing…

Can anyone tell me how I can find out who bought the debts? Or if its even advisable to pursue them?

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Hi welcome to CAG,

 

 

If there has been no written acknowledgment or payment made in 6 clear years (5 in Scotland) the debt is statute

barred depending on the type of debt it is a matter of argument that a credit card or unsecured loan becomes stat barred 6 years after the last payment was made an no acknowledgment was made after that date.

 

 

Secured loans/HP accounts from the date defaulted, phone accounts from the date the creditor demanded payment in full.

 

 

If the debts are not on CRA files now that means 6 years or more have elapsed since the accounts were defaulted, so all gone never to return.

 

No one is chasing you so no need to do anything but build a new " Credit Profile "

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Thank you, that's extremely helpful.

Is there no chance (as far as you know) that my reappearing on the electoral roll (or utility bills, credit applications mortgage/land registry etc) could alert any owner of the debt and prompt a new pursuit of it?

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Thank you, that's extremely helpful.

Is there no chance (as far as you know) that my reappearing on the electoral roll (or utility bills, credit applications mortgage/land registry etc) could alert any owner of the debt and prompt a new pursuit of it?

If a creditor or DCA is intent on finding you they will. If this happens all you do is state the debt is statute barred.

 

 

When a debt is sold in a very large portfolio of delinquent accounts the minimum of data is provided by the seller, e.g. Name & Address Contact, details, name of original creditor, amount owed. default date. It is unusual for this data to contain any mention of the date that it would become SB, which is why we see DCAs stating they have to check the status of the debt when we challenge it as SB.

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Good news. And thanks for your time. This really is a headache for me and it's been a big help.

Happy to help.

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  • 6 months later...

Hi,

 

thanks a lot for providing useful info,

 

as you suggested earlier, I have opened new account in hsbc (got OD of 100 pounds) and registered my name with electoral, however i didnt check my file on credit reference agencies. i thought everything going fine as my last default date was on dec 2007 and i can start build credit rating

 

But now I have received letter from company named: Lowell..stating that Barclay bank have sold my account to them and they got my address my credit ref agency... asking me to confirm the information they hold is correct and up to date....

 

... will they make affect my credit rating...if ignore them...im totally confused

 

1. do you want me to contact them ??

 

2. Do you want me ignore it

 

could you please please tell me what I should do to stop these letters and more importantly to save my file on credit reference companies (like Experian)

 

 

thanks in adavance

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Hi,

 

thanks a lot for providing useful info,

 

as you suggested earlier, I have opened new account in hsbc (got OD of 100 pounds) and registered my name with electoral, however i didnt check my file on credit reference agencies. i thought everything going fine as my last default date was on dec 2007 and i can start build credit rating

 

But now I have received letter from company named: Lowell..stating that Barclay bank have sold my account to them and they got my address my credit ref agency... asking me to confirm the information they hold is correct and up to date....

 

... will they make affect my credit rating...if ignore them...im totally confused

 

1. do you want me to contact them ??

 

2. Do you want me ignore it

 

could you please please tell me what I should do to stop these letters and more importantly to save my file on credit reference companies (like Experian)

 

 

thanks in adavance

 

 

Good morning,

 

 

Lowell is a debt purchase company.

 

 

Do you have any defaulted accounts showing on your credit files now?

 

 

If not Lowell Cannot put any entry on your files again.

 

 

Defaults are removed from credit files on the 6th anniversary of the default date paid or not and cannot return.

 

 

If there has been no payment or unequivocal written acknowledgment of the debt Lowell have purchased since December 2007 the debt is statute barred anyway.

Unless Lowell fully explain exactly what it's chasing file the letter and ignore until further information is provided.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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