Jump to content


DebitCard Loans/Gold Star Finance Default on CRA file


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2435 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

 

Been sorting out a few defaults on my Experian credit report, and there is one that states:

 

GOLD STAR FINANCE

default date: xx/10/2011

 

I have not a clue who this is. Been to their website, never seen it before in my life.

 

Does anyone have any idea who these are?

 

I've also sent off a query to Experian, asking them who it is.

Link to post
Share on other sites

It's an independant PDL. What you need to do is file a complaint with the Credit records agency, and get a full written complaint into Mr Paul Stewart Mair who is the owner of this PDL.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Experian got back to me and put a dispute on the entry. They claim that Gold Star Finance is DebitCard Loans.

 

Hmmm.... now I'm going to have to find out what the amount is for, and how to get this off my credit record.

Link to post
Share on other sites

Goldstar finance charge a carry over fee of £30 per £100 borrowed. They have failed to include these as payments against the account. Can I include this in a claim I have against them, as they have entered a judgment against me at my old address even though I have proof they knew my new address as they wrote to me!

 

About to have it set aside and I want to show these as payments against the account? Any ideas please

 

Thanks

Thanks

Lesleydeacanjason

Link to post
Share on other sites

Goldstar finance charge a carry over fee of £30 per £100 borrowed. They have failed to include these as payments against the account. Can I include this in a claim I have against them, as they have entered a judgment against me at my old address even though I have proof they knew my new address as they wrote to me!

 

About to have it set aside and I want to show these as payments against the account? Any ideas please

 

Thanks

 

might be better you start your own thread

 

dx

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... 

Link to post
Share on other sites

  • 2 weeks later...

Dear All,

 

I recently noticed a default on my file, which was marked as GOLD STAR FINANCE. On querying this with Experian, they replied that it was in fact Debit Card Loans, which was a sister company.

 

I took out a payday loan on the 15th June 2010. Due to enormous pressure put on me by my favourite bailiff company and outstanding council tax, I was unable to repay this loan. I never heard anything further from them apart from a few phone calls in the beginning, then I changed jobs and never heard back from them again.

 

The default on my credit file states the following:

 

Date started: 15/06/2010

Default date: 24/10/2011

 

I emailed goldstar finance/debitcard loans and they supplied me with my account details. Claimed they sent of a default notice as well on the 26th October 2011. (Never received it)

 

Please see all the charges below:

 

DATE DESCRIPTION DEBIT CREDIT BALANCE

 

15.06.10 LOAN £250.00 £250.00

 

24.06.10 EXTENSION FEE £50.00 £250.00

 

24.06.10 EXTENSION RECEIPT £50.00 £200.00

 

23.07.10 EXTENSION FEE £50.00 £250.00

 

23.07.10 EXTENSION RECEIPT £50.00 £200.00

 

24.08.10 EXTENSION FEE £50.00 £250.00

 

24.08.10 EXTENSION RECEIPT £50.00 £200.00

 

23.09.10 EXTENSION FEE £50.00 £250.00

 

23.09.10 EXTENSION RECEIPT £50.00 £200.00

 

22.10.10 EXTENSION FEE £50.00 £250.00

 

22.10.10 EXTENSION RECEIPT £50.00 £200.00

 

24.11.10 EXTENSION FEE £50.00 £250.00

 

24.11.10 EXTENSION RECEIPT £50.00 £200.00

 

24.12.10 EXTENSION FEE £50.00 £250.00

 

24.12.10 EXTENSION RECEIPT £50.00 £200.00

 

24.01.11 EXTENSION FEE £50.00 £250.00

 

24.01.11 EXTENSION RECEIPT £50.00 £200.00

 

24.02.11 EXTENSION FEE £50.00 £250.00

 

24.02.11 EXTENSION RECEIPT £50.00 £200.00

 

24.03.11 EXTENSION FEE £50.00 £250.00

 

24.03.11 EXTENSION RECEIPT £50.00 £200.00

 

21.04.11 EXTENSION FEE £50.00 £250.00

 

21.04.11 EXTENSION RECEIPT £50.00 £200.00

 

24.05.11 EXTENSION FEE £50.00 £250.00

 

21.05.11 EXTENSION RECEIPT £50.00 £200.00

 

24.06.11 EXTENSION FEE £50.00 £250.00

 

24.06.11 EXTENSION RECEIPT £50.00 £200.00

 

22.07.11 EXTENSION FEE £50.00 £250.00

 

22.07.11 EXTENSION RECEIPT £50.00 £200.00

 

31.08.11 EXTENSION FEE £50.00 £250.00

 

31.08.11 EXTENSION RECEIPT £50.00 £200.00

 

24.10.11 EXTENSION FEE £50.00 £250.00

 

24.10.11 EXTENSION RECEIPT (for September) £50.00 £200.00

 

24.10.11 EXTENSION FEE £50.00 £250.00

 

24.11.11 EXTENSION FEE £50.00 £300.00

 

23.12.11 EXTENSION FEE £50.00 £350.00

 

24.01.12 EXTENSION FEE £50.00 £450.00

 

24.02.12 EXTENSION FEE £50.00 £500.00

 

 

24.10.11 Defaulted on Loan

Missed Extension Fees £250.00

Admin Fees £36.00 £536.00

 

01.07.13 Outstanding Balance $536.00

 

 

I never repaid them, so how can they extend the default date with all the extension fee/extension receipt dates and amounts.

 

Please advise on how to respond.

Edited by UKDomains
Link to post
Share on other sites

ASk them to justify all the extra charges.

 

Is this extension fee a rollover fee? If so, did you ask for the loan to be rolled over? If not, then none of those charges can be applied.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

No I never requested any rollover fees. I did not communicate with them at all after taking out the loan.

I also never received a default notice, which they claimed to have posted to my address in 2011. I have requested a copy of this, as well as asked them why they defaulted the loan after 16 months.

Link to post
Share on other sites

Ok. So you need to throw this debt into dispute because they have levied unlawful charges to the account purely for self gain and without prior authority. They then try and avoid guidance/regulation by defaulting the loan approx 12 months AFTER the recommended timeframe.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Ok, I have drafted them the following email. Any suggestions most welcome before I email them.

 

To Whom it may concern,

 

 

Thank you for the information you have sent me.

 

 

Please note that I hereby place this account into official dispute.

 

 

 

I need to address a couple of issues with your previous email.

 

 

1. I never received a default notice. Please email me a copy of this default notice.

 

 

2. Please justify these charges you have added on for no reason at all. I never requested any extension fees to be added on. I'm assuming you are treating these as rollover fees.

 

3. You have levied unlawful charges to the account purely for self gain and without prior authority. you then try and avoid OFT guidance/regulation by defaulting the loan approx 12 months AFTER the recommended timeframe.

 

 

I trust you will deal with this matter in the utmost importance, and if you personally cannot deal with it, I would suggest you escalate this matter to a manager/director who can deal with this matter of your blatant disregard for the law.

 

 

regards,

 

UKDomains

 

Link to post
Share on other sites

I wouldnt put the bolded part in. I would just say Official complaint. The complaint itself is enough to dispute the debt. Remember, you arent disputing the entire debt. Just the unlawful charges they have added on purely for self gain. You also need to make a full complaint to the OFT.

 

Make sure in your letter you tell them that you are issuing a complaint to the OFT, and you require a final response or full removal of all charges within 8 weeks, so you can escalate it to the FOS.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

FOr the default date, i think you need to make a seperate complaint to the data controller. The complaint itself to the compliance director.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Most PDL's are one man bands who try and act like they are professional, national companies.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 3 weeks later...
  • 1 month later...

Right, time to update this thread:

 

I was in contact with this company and then once I did my formal complaint regarding lack of default notice, account defaulted 12 months after last action on loan, unlawful charges, etc. They have ignored me totally. 8 weeks have passed and I'm guessing their final response is to ignore me.

 

What is my next move?

 

 

1. Complain to OFT and ??

2. ??

 

I need some hand-holding here :)

Link to post
Share on other sites

Get the FOS involved. They will charge them £550 just for opening an investigation, so its worthwhile that the PDL comes to an agreement before the investigation starts.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 2 years later...

Hi I know this is some time ago for you now but I wondered if you had any email addresses that you had for debit card loans - they have recently been dissolved but i am still hoping that i may get them to set aside a ccj they gave me ....cheers for any help you can give

Dear All,

 

I recently noticed a default on my file, which was marked as GOLD STAR FINANCE. On querying this with Experian, they replied that it was in fact Debit Card Loans, which was a sister company.

 

I took out a payday loan on the 15th June 2010. Due to enormous pressure put on me by my favourite bailiff company and outstanding council tax, I was unable to repay this loan. I never heard anything further from them apart from a few phone calls in the beginning, then I changed jobs and never heard back from them again.

 

The default on my credit file states the following:

 

Date started: 15/06/2010

Default date: 24/10/2011

 

I emailed goldstar finance/debitcard loans and they supplied me with my account details. Claimed they sent of a default notice as well on the 26th October 2011. (Never received it)

 

Please see all the charges below:

 

DATE DESCRIPTION DEBIT CREDIT BALANCE

 

15.06.10 LOAN £250.00 £250.00

 

24.06.10 EXTENSION FEE £50.00 £250.00

 

24.06.10 EXTENSION RECEIPT £50.00 £200.00

 

23.07.10 EXTENSION FEE £50.00 £250.00

 

23.07.10 EXTENSION RECEIPT £50.00 £200.00

 

24.08.10 EXTENSION FEE £50.00 £250.00

 

24.08.10 EXTENSION RECEIPT £50.00 £200.00

 

23.09.10 EXTENSION FEE £50.00 £250.00

 

23.09.10 EXTENSION RECEIPT £50.00 £200.00

 

22.10.10 EXTENSION FEE £50.00 £250.00

 

22.10.10 EXTENSION RECEIPT £50.00 £200.00

 

24.11.10 EXTENSION FEE £50.00 £250.00

 

24.11.10 EXTENSION RECEIPT £50.00 £200.00

 

24.12.10 EXTENSION FEE £50.00 £250.00

 

24.12.10 EXTENSION RECEIPT £50.00 £200.00

 

24.01.11 EXTENSION FEE £50.00 £250.00

 

24.01.11 EXTENSION RECEIPT £50.00 £200.00

 

24.02.11 EXTENSION FEE £50.00 £250.00

 

24.02.11 EXTENSION RECEIPT £50.00 £200.00

 

24.03.11 EXTENSION FEE £50.00 £250.00

 

24.03.11 EXTENSION RECEIPT £50.00 £200.00

 

21.04.11 EXTENSION FEE £50.00 £250.00

 

21.04.11 EXTENSION RECEIPT £50.00 £200.00

 

24.05.11 EXTENSION FEE £50.00 £250.00

 

21.05.11 EXTENSION RECEIPT £50.00 £200.00

 

24.06.11 EXTENSION FEE £50.00 £250.00

 

24.06.11 EXTENSION RECEIPT £50.00 £200.00

 

22.07.11 EXTENSION FEE £50.00 £250.00

 

22.07.11 EXTENSION RECEIPT £50.00 £200.00

 

31.08.11 EXTENSION FEE £50.00 £250.00

 

31.08.11 EXTENSION RECEIPT £50.00 £200.00

 

24.10.11 EXTENSION FEE £50.00 £250.00

 

24.10.11 EXTENSION RECEIPT (for September) £50.00 £200.00

 

24.10.11 EXTENSION FEE £50.00 £250.00

 

24.11.11 EXTENSION FEE £50.00 £300.00

 

23.12.11 EXTENSION FEE £50.00 £350.00

 

24.01.12 EXTENSION FEE £50.00 £450.00

 

24.02.12 EXTENSION FEE £50.00 £500.00

 

 

24.10.11 Defaulted on Loan

Missed Extension Fees £250.00

Admin Fees £36.00 £536.00

 

01.07.13 Outstanding Balance $536.00

 

 

I never repaid them, so how can they extend the default date with all the extension fee/extension receipt dates and amounts.

 

Please advise on how to respond.

Link to post
Share on other sites

Be hard to set aside a CCJ withotu a valid reason and if the creditor isnt around anymore.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

nothing still stands

 

 

dx

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... 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...