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    • I have just received a non mol and the judge who signed it daughter works for the solicitors who applied for it and he also use to work for them I belive he was a partner in the practice  Is that not a conflict of interest? 
    • Hi, we had a council tax debt that was settled in full with our council back in July. However the bailiffs are continuing to pursue us for their fees.  We had an initial incident where the first bailiff had no ID and stated he was from the council and needed to inspect our house (council house). My partner let him in and he started listing items at which point my partner questioned who he was and he then told her he was from Rossendales reference outstanding council tax. After a discussion she set up a payment plan and he left. Things went on and we missed 1 payment, we rang them and explained and they said it was fine if we can pay double the following month to catch up. We agreed but before that date arrived we had a doorstep visit. It all became silly and stressful, i spoke with Rossendales who just were not interested and so rude its hard to not get agitated and stressed so I took out a loan and paid the council directly. I paid the entire debt with them. This did not include any bailiff fees. I logged an official complaint with Rossendales over the conduct.  It transpires that the bodycam from the initial visit was miraculously unavailable and also no complaint was logged by Rossendales, however there are notes on our account regarding the complaint!! With the virus etc I guess this has delayed their action but today I received a phone call saying I have to pay the council tax debt now or they will remove goods tomorrow. I tried to converse and explain what had happened and was shut down, the agent said he wasnt interested, either pay now or I'll visit tomorrow to remove goods, every time I tried to speak, he spoke over me so we got nowhere.    I'm at at a complete loss as to what to do, I cannot raise a complaint with them without evidence and they're not interested in anything other than causing stress and trying to obtain money or goods.   Please can anyone offer advice, do I just need to pay their fees, even with their conduct? Can they still charge fees for a settled debt? What if they do visit? What can they do and what can I do? 
    • Sar from PRA group arrived today, it includes an Account Financial history statement showing payment on 29/12/15. They also included a copy of the credit agreement with my signature.
    • To make next year's GCSE and A-level exams fairer after all the breaks in learning for students the DfE have announced a range of measures to support young people taking exams in 2021. View the full article
    • That looks good, you only need a short defence at this point.   You could stick a bit in about them inflating their claim to try to circumvent the small claims limit on legal fees and this is an abuse of process.   I've just read the thread from the start and am still not sure about your point (3).  Is it right that it was a hire car and only you were named as a possible driver?
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Question on credit searches - previous addresses.


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I recently applied for a card.

 

I gave my current address and my previous address.

 

I have a default on one CRA file from an even older address so I would like to know if the credit check would see this default? as it isnt at the 2 addresses i gave on my application.

 

How would this work?

 

thanks

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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I recently applied for a card.

 

I gave my current address and my previous address.

 

I have a default on one CRA file from an even older address so I would like to know if the credit check would see this default? as it isnt at the 2 addresses i gave on my application.

 

How would this work?

 

thanks

 

Hi,

 

Yes they will see the default regardless of what address it was registered at, if it's on your file then they will find it unfortunately.

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cheers

 

so why do they ask for previous address if they are going to see all info anyways?

 

Its for a luma card - so hopefully one default wont hurt.

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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I think it depends on the company with regards to how they use your previous address, sometimes it's just added security for them to see if you're telling the truth in your application and you have entered the correct data.

 

Sometimes people get rejected credit because of defaults or missed payments - whereas some people might get rejected because the information they have entered in their application form might not match the information the credit agencies have on you.

 

Maybe someone can give you a better answer but that's just the way i see it.

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