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    • Thanks both,   The only thing I am still not clear on is there were 4 DCA's that were reporting on my credit report and as I complained they have stopped BUT there is no default date on these debts. Can they start reporting these debts again on my credit report if I stop paying.   When I tried to re-mortgage a few years ago I was refused as these 4 were showing as in a DMP. Ofc they are not now as I told them it should have defaulted BUT they werent actually able to add the default date - so in theory could this happen again.   Thanks so much for your help
    • I'm afraid these kinds of stories are all too common with this company. The impression is that they're not too interested in installing and maintaining heating systems – but rather the finance behind it. Did you do this on some kind of finance agreement? Was it secured on your property? You seem to be doing everything on the telephone – and I think it's about time you started establishing a paper trail. You may end up having to arrange your own service with their authorised installer and if that doesn't happen then you may end up having to get in your own repair person. Of course ASG will then say that you are in breach of their warranty et cetera and that they are entitled to recover all their money back. You will have to show that you are a paper trail in them on notice and that they're not responding and then eventually you had to take matters in your own hands and organise your own repair – for which you would be going to them for reimbursement and also you would have to establish that you had no choice and they are fully liable – including the not allowed to dishonour a warranty. I'm afraid the stories we are getting about this company are dreadful and frankly very distressing
    • i don't think the matter of you were told the Decreasing Term Assurance was compulsory makes any difference, it doesn't detract from the fact the FOS appear to agree that disp does apply and you are out of time .   i don't think there is any harm going to the FOS with it..BUT although, and this twigged my memory about DISP ( which didn't exist then) but the ABI code did, and i believe that doesn't cover your situation, i'e , the fact it was made compulsory is not against any guidelines that were around at the time.   you could drill down on the ABI coding and see what it advised about lenders making DTA compulsory, but sure as eggs is eggs, by 2005, when disp had arrived..all lenders were forced or had stopped long before making any type of life cover compulsory. so they knew their mis-selling of such was on the cards   Critical illness cover (financial-ombudsman.org.uk)  
    • Or try email request.   [email protected] Request for copy of Judgment Copy Judgment [email protected] General correspondence
    • I've just tried to ring. Number 67 in the queue. I'm guessing it's better to call earlier in the day!
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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Hi,

 

Im new to the forum and have joined for help.

 

My credit file and score has been obliterated by payday loans and defaults.

 

I am about to engage in settling and cleaning up my credit file.

 

I figured i can negotiate with payday companies and all i want is to propose a reduced settlement figure in return for settlement of the debt and my credit record updated accordingly.

 

I intend to make an offer and have them send me a letter accepting the offer and agreeing to update my record.

Without receiving this letter i will not proceed.

Is this the best way to move forward. Have it in writing so I can prove they agreed to my requests incase they dont actually do it?

 

Also is there a time scale i can enforce from settling the account until my credit record is updated?

 

Cheers

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Hi no you cannot enforce any time limits on this, you should

also be aware that the credit file default entry will show satisfied

if a F&F settlement is made for an amount less than that owed and

that entry will remain on file as such for the remainder of the 6 year

life of the default.

Yes you must have written agreement before paying anything.

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

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surely a default and a F&F settlement of lesser value is still a settlement. If the creditor agrees? And if i settle the defaulted accounts will my credit score begin to improve.

 

Also how long after the defaults before creditors overlook them as i have many credit accounts that i still manage well.

 

My current score is 272

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No it is still a defaulted account that can be seen by potential lenders.

You start to rebuild a credit reputation in reality once the default entry

is removed after 6 years, then you must steadily build on by not making

numerous credit apps, having a low limit CC and paying it off in full each

month for starters.

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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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I have 4 mobile contracts.

A 5k loan and

a £200 credit card which i manage in good order.

 

Plus I have a load of Payday loans settled satisfactorily.

 

If i keep my head down and stick with what i have,

will it at least come up enough so my bank will offer me a current account?

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Yes, just do not apply for any more credit!

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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If i keep my head down and stick with what i have,

will it at least come up enough so my bank will offer me a current account?

 

I had loads of defaults but got a STEP account from Natwest ok - they have changed the name to basic account and think its the same otherwise - no cheque book or overdraft but thats good if you are building your credit score back up

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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That is a good account but be careful £1 over and the then watch out!!!!

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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That is a good account but be careful £1 over and the then watch out!!!!

 

i have gone over before with this account but if you correct the error by closr of business the same day then they dismiss the charge. I have full green lights on my credit file too for this acc. So if you act same day you will be ok

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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