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    • Computerised checks will become a bigger part of everyday life. And some of these will be an annoyance. But in general, I think most will be helpful and reduce risk. I was on holiday in the UK recently and was spending more using my debit card. I noticed that I was not required to enter my pin number for any transactions, whereas normally I would have to enter pin number once in every 8 transactions approximately. But as I had paid for accommodation and transport, I think the Banks computer recognised I was on holiday, therefore applied relaxation to pin requirements.  Algorithms will get it wrong sometimes, but in general I think they will be of benefit. Government departments will of course be criticised and subject to reasonable scrutiny, but I think every aspect of people's lives will be routinely checked by computers, both public and private sector.  It is making sure  protections are built in, to ensure that organisations have humans available to intervene where needed and be accountable.
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    • I'm afraid that both yourself and we will need to see the claim form as a basic minimum. As this person has issued proceedings, we can't go any further at all without understanding the detail of what they are claiming on the basis of the claim. When you receive a claim form then you might normally respond within 14 days either with a defence or an acknowledgement of service. If you don't respond with either of these then the claimant can go ahead and obtain a judgement against you in default and that then becomes a bit tricky and also a bit expensive to overturn – called "a set-aside" If you don't file a defence but you supply an acknowledgement, then you get a further 14 days so up to 28 days to file a defence. I understand that you have had difficulties accessing the claim form. I'm afraid I don't know why that is not sure how much help we can give you on that. You're going to have to do this is a matter of urgency whatever the runs are rights of your position are. Once we understand the claim form, then we can advise you as to the next step and also we can put the claim in the context of your own story and decide how best to defend. I'm at a bit of the lost to give any more constructive advice at this point. Access to the claim form is essential. You could telephone the County Court business centre which I think is in Northampton. They have a helpline and maybe they can give you some solutions – but in the meantime, why can't you access the password reset? Have you checked your spam folder?
    • Thanks very much BankFodder, your help is invaluable and I will read through it more carefully this evening.  At this time I am not aware of any information I have left out. And thanks to jk2054, I realised after sending it about the third party rights, you are absolutely correct and I will proceed as standard BOC claim. I'll come back with any questions once I've had a thorough re-read and so I hope to get the letter emailed and posted early this week so I can start the 14 day clock. Thanks again, M
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      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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Everything Everywhere - Default

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I am hoping someone can help me, or at least tell me that I am right.


Back Story

I obtained my credit report from Equifax on Monday, and it shows that I have a default for EE from July 2009.


I have paid this balance in full and continued to use the mobile contract up to present day. Now I have an outstanding balance accumulated in January for a massive bill, and I am on a Arrangement with Orange to pay this off.


Now, on the report it shows as Defaulted in 2009, not satisfied, and no payment history from the default up to present day.




So I decided to fire off an email to Orange Credit Team a copy of which is below:


Good Afternoon.


Please can you copy (email address) into any replies as I will not have access to this email address as of 1st March 2013.


Name: xxxxxx

Mobile Number: xxxxxxx

Address: xxxxxx

Credit Ref: XXXXxxxx


I am writing in reference to a default that was applied to my credit report on July 2009.


Firstly, I never received a default notice regarding this account. So you can imagine my surprise in seeing this today when I obtained my credit report from Equifax.


If this default is indeed genuine, then it is still stated as defaulted on your report entry, although the balance was settle in August 2009 and I have continued to use the contract up to present day.


Also on the report it shows no payment history going up to present day. As this is the only item on my report, I am using this to build my credit profile.


Please can you advise why this is still showing as defaulted and not settled?


(Attached screenshot of Equifax)







Ok, then I got a response within 24 Hours, not even copied the other address as requested;




Our Ref: xx/xxxxxx/xxxxxxx


Dear Mr xxxx


Thank you for your recent email.


£xxx.00 is still outstanding. Could you please pay this amount as soon as possible?


You can make a payment by calling us on 07973 100178. As soon as you’ve paid, we’ll update your credit record.




This tells me absolutly nothing regarding my original questions, so I sent this reply




Your Ref: xx/xxxxxx/xxxxxxx


Dear Mr xxxxx,


Thank you for your quick response.


I indeed know there is an outstanding balance for £xxx on this account, but this was accumulated from December 2012.


I currently have an arrangement of pay for this balance that was set up on 22/01/2013.


Please could you advise why the default is attached to the account from 2009 as my original query stated?


Also my second question regarding the payment history from 2009 to 2013 not showing on the credit report.


I await your reply,






This is the reply today




Thank you for the response.

The default showing on your credit file relates to arrears on your account which were left unpaid for over 6 months. We can see that you have since cleared the arrears and as a result your subscription was reconnected to this account. As the same account was used this has meant that credit file information has not updated since reconnection.

Hence the payment history from 2009 to 2013 is not showing. We would be happy to update your credit file once the outstanding balance is cleared in full.

Thanks again for contacting us.



My reply today






Our Ref: xx/xxxxxxxx/xxxxxx



Dear Mr xxxxx,




Thank you for your quick reply again. I am still failing to see the relevance of this outstanding balance.




Please can you advise what the credit report will show once the payment is paid. Also, can you advise what would have happened if this query was raised in November of 2012 before this new debt was accumulated?




Surely after the account was settled in 2009 then the default would also show settled. Also I really do not understand how I can have no payment history on my account from 2009, and also the arrangement to pay is not showing that was set up in January of this year.




This record is severely damaging my credit rating and I am attempting my best to get this rebuilt. But it appears all the work I have done from 2009 up to present has not counted as anything as it is not showing on Equifax.




I look forward to your reply, and also please can you reply to all on the next reply so that my personal email address gets a copy. I will be unable to use this mailbox from 1st March as stipulated in the original request.













Now am I wrong, or should this info be on my credit report. Also, is there any threats I can include to get this updated straight away?




You help is appreciated,










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Emm, basically they are right a default did occur but was remedied outside the period allowed to clear it so a default has been recorded, the company has then '' reconnected the service which you are still using, this could be much worse if the company reports the original arrears as a seperate account with a satisfied default

with a lilfe of 6 years from 2009, and then reports an arrangement to pay ( this ihas much the same effect on credit rating as a Default) from 2012 which would have a ''life'' of 6 years from December 2012.


You say that this is the only account on your credit file? If there no other accounts live on your credit files lenders will not have sufficient data to make any credit decisions, a mobile phone account which is NOT a credit agreement but a service contract is not the ideal type of account to ''build'' a credit history.

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Thanks for the reply.


I have an active current account with a small overdraft that is 100% up to date. Virgin Media and Orange.


The only thing I cannot grasp is that there is no history after 2009. If I did not have this arrangement to pay and quried this last year for instance, would the account history just stop at the default?


Also, why would the default not be settled as I paid the arrears off in full in August 2009?


I just feel like I am not getting the reasoning behind the historical payments made from August 2009 upto present day.


Sorry to be a pain.



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The account was reopend without change as EE stated, if the account had been closed and the arrears paid the default would have been marked satisfied and wuld remain as such for 6 years.

I have to say it is unusual for an account to be reinstated in this way, as said it could have been one defaulted/ settled entry for 2009 and one arrangement to pay entry from 2012 which would remain until 2018 on credit files.

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Thanks again, I think I am getting this now. It just confused me because it was an ongoing account.


If I leave this as is, and pay the o/s balance off, would this just drop off my file in July 2015? Cause I take it this would be in my best interest also.




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paying it or not

the account wil still vanish on the defaults 6th birthday.


that isofcourse only IF the account summary has a defaulted date



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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There is a default date of 10/07/2009.


So how will this look on 10/07/2015? If this default drops off and it shows no up-to-date since July 2009 until December 2012 which it was always paid in full by direct debit. The original debt that refers to the default was already cleared in August 2009.


This new debt will be cleared next week as per arrangement with Orange.


Will this account just drop off my report and I will have a contract that isn't on my credit report?




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The whole entry is removed, once gone cannot return.

The original default must show on files until the full 6 years is up paid or not, and then the entries are removed paid or not.

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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My two mobile phone contracts only showed for three months then disappeared.

TV rental contract showed 1 month then disappeared.

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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