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    • Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about bb I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? 
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    • Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I lost my dream Job!


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Hi,

 

I need some advice Please!

 

I have joinedEquifax and run myself a Credit Report. The Credit Report came back with two problems.

 

1. Iam currently not on the Electoral Roll. Very easy to fix with the council.

2. A“Date Last Delinquent” on my mortgagefor earlier this year.

 

The problemis the “Date Last Delinquent” has just lost me my dream job!

 

I contacted the bank about this “Date Last Delinquent” entry as I was unawareof a default on my mortgage. I have a Virgin One Account which they cap at aset time of year. At the cap time I amsupposed to have paid enough money to cover the years caped amount. Well lastyear was tuff work wise and we came to an agreement based on my work load thatwe would catch up by April this year. I am a contractor and I had two contractscancelled on me at the start of the year. So I could not meet the deadline of April.I contacted the bank and extended the facility to give me more time to get upto date. I am now currently a year in advance of my payment schedule.

 

I never missed a monthly Mortgage payment and had an arrangement with thebank. But they have told me that because the money was outstanding for over xxdays they report this as a “Date Last Delinquent”.

 

Can I get this removed?

How do I get it removed?

 

This really lost me my dream job I am gutted.

 

Designtime

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Is the account actually defaulted?

The '' date last delinquent'' section refers to the date when a payment was due and not made AFTER WHICH NO PAYMENT WAS EVER MADE.

Is this correct no more payments were made or are you continuing to pay?

Or did you miss a payment and then negotiate a reduced payment level?

 

If you have an arrengement to pay a reduced amount then the bank must report the breach of the original payment terms of the mortgage agreement.

 

Are your prospectibe employers checking your credit refgerence files with your permission as part of the conditions of employment?

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Is the account actually defaulted
No.

The '' date last delinquent'' section refers to the date when a payment was due and not made
AFTER WHICH NO PAYMENT WAS EVER MADE.
Thats correct on the date but some money was paid but not all of it. There was still an outstanding balance. I asked on that date for more time to clear it.

Is this correct no more payments were made or are you continuing to pay?
I am paying and as I said I am now a year in front with my payments

Or did you miss a payment and then negotiate a reduced payment level?
No

If you have an arrengement to pay a reduced amount then the bank must report the breach of the original payment terms of the
mortgage
link3.gif
agreement.
Only to pay a small outstanding balance for 2 months!

Are your prospectibe employers checking your credit refgerence files with your permission as part of the conditions of employment?
Yes, I signed an agreement

 

 

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