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    • Coverage.   SMETS 1 use a mobile network   SMETS 2  use a Government network, which where not suppose to know about 🤣🤣🤣🤣🤣   https://www.smartme.co.uk/technical.html   As posted early on, if you have a smart meter installed make sure its SMETS 2     .....................
    • So it looks like a long trip to court is going to happen, I'm going to write out my defence, I've taken some legal advice and they said to ensure it is short and simple, with any evidence easily referenced and found for the judge.    So the basis of my defence is going to be:   Trespass and who can take me to court over it as per the comment above lack of visible signage and confusing signage about what part of the car park is owned by who, especially as it was at midnight Time taken to contact me after the offence was too long Grace period not given of 10 minutes Previous court cases of the same firm losing because of similar reasons   As the court location cannot be changed and I need to make a long travel to get there, plus all of the time wasted putting my defence together, if I am lucky enough to win, can I claim costs for the inconvenience? for example like this case: https://www.theguardian.com/money/2017/aug/26/parking-eye-takes-on-top-barrister-85-fine
    • I intend going back and getting photos DX, simply because I can't believe that I never saw ANY signs and even missed the machine to pay at.  Like I said I've frequented this place many times in the past few years so I think I would have noticed something different, unless I'm going senile  The times on the letter are a bit strange, the entry time was dead on x hr and xx mins but no seconds, whereas the exit was x hr, xx mins and xx seconds. I don't really want to go through the appeals process online, confirming all my details in the hope they will show the photos, just the cynic in me coming out 
    • Hi and thanks for the info.  Update: today received the SAR info - great you might think.    Just a waste of paper: screen prints, NO bills, NO data sheets from the meters, just copy letters of my complaints and their "we need more time" letters.  But wait, there is a disc. For disc you have to install Nero Secure Disk Viewer - use the password sent in separate letter - only to find recordings of misc phone calls by me over last couple of years.  Doesn't give any information to me whatsoever regarding this alleged debt.  Hopeless. Why it took so long to produce a package of worthless information I don't know.    Observations I did make was a sudden change from being Miss to Mrs on the screen prints, (not applicable) and something in the  "contact owner" heading/column, which may be a salesperson as I am not Hannah Leach, and I did not request a Hitachi product financed through BM financial in 2010.  (BG tabs for that page: Edit, Delete, or CLONE.)
    • Hi Cheshire and welcome to CAG   As the work was completed and paid for, it's down to the customer to take action against you if they remain unhappy and that could include court action.   Your only problem sounds like the failure to say in writing in your Estimate that "the colour match and finish would match as close as poss but you were working from photos so you cannot guarantee this aspect".   Learn from this and include any agreements, terms, disclaimer, etc in your written Estimate.   1. What was the approx value of the work done ?   2. What would the remedial work cost you including travel, material and labour ?   Even if you visited and redid work, who's to say the customer would then be happy after the friend got involved.
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Afternoon All,

 

I've got my credit file this afternoon and discovered a default by Cash Choice UK.

 

I have a payday loan with them in 2010 and agreed a repayment plan which they took by debit card before stopping. I havent heard anything since, until finding a default for an outstanding amount of £430.00.

 

I'm trying to write to them to try object and get the default removed but cant find the address.

 

Does anyone have the address and have anyone got any advice/tips of anything i can add to my compliant to give it a push?


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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What would be the reason for removal?


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

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Exactly the same thing has just happened to me, only the loan was repaid in 2010. No default notice was served at the time.

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What is the date of entry on the default? If the loan is paid off and they added it on a considerable time afterwards, you have cause for formal complaints.


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

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The date is 24/11/2010 but it didn't appear on my credit file until 19/05/2013.

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So your debt was fully paid, and they entered a default years afterwards? If so, then you need to file a dispute with the credit record agencies and write a full complaint to the PDL's data controller.


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

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As cash choice were taking the money off my debt card each month I assumed when they stopped the account was paid but according to the credit file this isn't the case...

 

I haven't had any letters or notice of default to tell me I owed any outstanding money!


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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Same advice as i gave the other poster.


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

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It's only on my experian file and that agency won't act as middle man for complaints (they said I have to go direct to Cash Choice) but struggling to located an address that I'm sure is them!


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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For information the contact on the credit file entry directs you to the UKLenders Alliance who after numerous emails finally told me that the loans was settled and they had no record of a default.

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It's only on my experian file and that agency won't act as middle man for complaints (they said I have to go direct to Cash Choice) but struggling to located an address that I'm sure is them!

 

You can place a dispute note alongside the entry. I've done it a few times myself.


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

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Echinus have you forwarded copies of the email to the cra's so they remove your default?


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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Renegadeimp, did you notice if it hindered your credit file?

 

I put a dispute notice on a few years ago, and found it stopped me getting any kind of credit (was trying to get broadband at the time).


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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If a default is recorded, then it will be very hard to get credit. If you add a notice against it and the CRA agrees and authorises it, then it lessens the impact a minute amount. However, in your case, you really need to find out if the default was valid. But on the other side, if it was added years afterwards ( even with an old date of default), then you can contest it as unfair.

 

Get all the info you can first, and then challenge it. You say you paid using your bank card, go to your bank and get historical statements so you can match up all the payments.


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

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Haven't done so yet. It is my experian file as well not on Noodle/CallCredit. I am not sure of the relevance but about the same time I got a statement from MEM (PayDay UK) for an account settlled in 2010 that they said I had requested ( I hadn't).

Edited by Echinus

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Just a belated update - eventually got the default removed took about 20 emails to the lenders alliance address.

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Well done. And thanks for the update :)


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

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