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    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
    • You did what??? You asked them to send you the documents that without them you had  a 100% ironclad win in Court. Why on earth would you do that? As it happens in this case, there is still enough mistakes in their PCNs and the NTH to have your case cancelled. Amd it may be that not sending those documents in the first place along with the ICO complaint and the letters from Alliance themselves which would confirm by the dates on the letters may be enough to cancel it anyway. I hope you have kept their letters as evidence? The chances are that Alliance will not actually take you to Court because of their errors but you never know.  You have made so much extra work for yourself in your WS if they decide to push their luck.though. Can you please post up their letter where they give the reason why I wasn't sent with the NTH.
    • I'm not sure that I fully agree with my site team colleague above.  My understanding is that there is nothing to stop you recording but it is strictly for your own personal use.   
    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
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SIX DEFAULTS!!!!!! :( what do i do


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hi guys!!

 

i have SIX defaults and have recently settled two of them on partial setllements... i now realise this was a complete mistake!! ( i think?).

 

i want to get a mortgage this year... but with my credit file in the mess it's in, it's unlikely. i have been offered more partial settlements... should i pay them?

 

my goal is to remove the defaults. where do i begin? thanks .. any help really appreciated!

 

HSBC BRANCH BANKIN...

Current Account

Satisfactory

£0

 

HSBC BRANCH BANKIN...

Loan

2 payments late

Settled

 

HSBC BRANCH BANKIN...

Loan

Default

£6,675

 

EGG BANKING PLC

Loan

Satisfactory

Settled

 

SANTANDER CURRENT ...

Current Account

Default

Satisfied

 

CO-OPERATIVE BANK ...

Current Account

Default

£852

 

LOWELL PORTFOLIO I...

Communications

Default

£367

 

ARROW GLOBAL LIMIT...

Credit card / S...

Default

£949

 

APS - CASHPLUS

Loan

Satisfactory

£49

 

1ST CREDIT LIMITED

Credit card / S...

Default

Satisfied

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I have moved your thread to the correct forum, where you should receive some advice.

 

You do not have to do anything, this move is purely administrative and you will still be able to locate it from your "User CP" link at the top of the screen.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Can you please list the default date for each account?

All defaulted entries are removed after 6 years paid or not, getting a defgault entry removed is difficult,you must have very good reasons to put forward, bear in mind the credit reference agnecies cannot remove or amend entries wiithout the leave of the company that has placed an entry.

 

Grounds for removal are few:

 

1. If a default is placed and unreasonably long time after the cause of action, (The ICO states that defaults should be place within 6 months of coa).

2. The default date is wrong or has ben altered.

3. If the default sum is made upof charges without which the acoount would not have defaulted then NO default should have been placed.

4. Very hard to prove this one: No default notice was received or it was ''faulty:'' DNs are not rourinely stored as hard copy by the creditors. a note is made on the customers file that a DN was sent on xx xx xxxx, and that is all they have to state, and a new/corrected DN can be made at any time.

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hello thank you so much for reply..

 

my default dates:

 

HSBC 16/08/2011

SANTANDER 1/6/2009 (partial settled)

CO OP 21/7/2010

LOWELL 8/8/2008

ARROW GLOBAL 29/9/2009

1st CREDIT 12/1/2011 (partial settled)

 

do you think my credit is ruined? i don't know what to do. some forums say don't pay off defaults.

confused!!!

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I presume that no other companies are chasing the remaining balances on the ''partially'' settled accounts?

 

Are there any valid reasons for disputing the defaults.

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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well im not sure.. tbh.

 

HSBC was a loan i got out and gave to my friend when he was in trouble... he decided to no longer pay it back (im a mug i know).

Santander i think i refused to pay their daily O/D charges and it defaulted.

Co-Op was similar situation to Santander.

Lowell is for a phone bill with 3 that i have NO RECOLLECTIOn of having.. was a long time ago.

1st credit was for a credit card from over 10 years ago!!! (again no memory)...

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  • 3 weeks later...

 

1. If a default is placed and unreasonably long time after the cause of

action, (The ICO states that defaults should be place within 6 months of

coa).

2. The default date is wrong or has ben altered.

 

I have had Lloyds TSB default me in 2012 despite going on a DMP in 2009. Does this mean I could get a default removed? If the default was removed, does that mean the late payments will be visible for longer on my credit file?

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hello thank you so much for reply..

 

my default dates:

 

HSBC 16/08/2011

SANTANDER 1/6/2009 (partial settled)

CO OP 21/7/2010

LOWELL 8/8/2008

ARROW GLOBAL 29/9/2009

1st CREDIT 12/1/2011 (partial settled)

 

do you think my credit is ruined? i don't know what to do. some forums say don't pay off defaults.

confused!!!

 

 

Are these dates the dates on which the default was placed by the original creditor ?

 

If so, then I would say that these are the dates that they will drop off your file..

 

HSBC 16/08/2011 - August 2017

SANTANDER 1/6/2009 (partial settled) - June 2015

CO OP 21/7/2010 - July 2016

LOWELL 8/8/2008 - August 2014

ARROW GLOBAL 29/9/2009 - September 2015

1st CREDIT 12/1/2011 (partial settled) - January 2017

 

 

You need to establish when the original Default marker should have been placed... which according to the ICO should be at most, 6 months after the Default took place.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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