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    • You haven't returned to the thread to give us your views, but a couple of other things strike me which you should consider: 1. You say that at no time was your father's licence revoked by the DVLA. It didn't have to be revoked. It expired in September and his "entitlement to drive" (of which the licence provides proof) expired along with it. He could only continue driving whilst his application was being processed by virtue of s88, and it seems clear to me (based on what you have said) that he was not able to take advantage of the benefits provided by that section. 2. The letter he received threatening to revoke his licence was probably a template letter sent when any medical issues are brought to the attention of the DVLA. But it is clear that beyond September until it was eventually renewed, your father had no valid licence to be revoked. I believe a "not guilty" plea in court will fail. The basic facts are that your father's licence expired in September, it was not renewed until February because the DVLA were looking into his medical declaration and he could not take advantage of s88. So in December he had no licence and no entitlement to drive under s88. The facts that he believed he was fit to drive and that his licence was eventually renewed may mitigate the offence but they do not provide a defence. I also asked whether he had received a summons (very unusual these days) or whether he had received a "Single Justice Procedure Notice". The way to proceed from here differs slightly depending on what he has received so if you let me know, I'll advise further.  
    • Well, what I've read from various sources suggest if a CCJ is 6 years old that if becomes pretty much ineffective for enforcement purposes in its original form.  And that if it's about to expire then the claimant needs to apply to the court to extend the original CCJ within the final year.  Even if they do apply for an extension within the 6 years they have to have a very strong argument for doing so such as the person being out of the country or could not be traced, basically show they were actively still perusing the debt I guess. Now if a claimant ever does apply within the 6 years to extend the CCJ, would the person named on if be notified by the court that such an application has been made?.  In my case I've heard nothing from the court so assume no such application has been made.  The original CCJ in my own case is now a year beyond the 6 years of issue so must now make things even less likely again. So whilst the CCJ exists that they have not enforced it in that time must surely make it unlikely they can now take it back to court because as said it would be very rare for a judge to agree to such action now. That said, I guess they now can't use the CCJ to continue with any action for an attachment order to our mortgage either?
    • Donald Trump now banned from countries including Canada and UK as convicted felon WWW.INDEPENDENT.CO.UK There are 37 countries that bar felons from entering, even to visit.  
    • Well, they trashed their last election manifesto pledges, so nothing new really is it? They just find weasel words to try to claim they haven't actually failed if you just look at it just a little squinted and in this particular way  - and are stupid.
    • I think they're inventing stuff now. They seem to know they won't be around to implement any of it.
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Credit reference agencies


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Hi all, this is my 1st post and I am new to this type of forum. I need some advice with acquiring my credit file from Credit Agencies. I have some questions before I request to see these files

 

1. I have never applied to access any credit files.

2. How do I go about doing this?

3. Will there be a charge to me to access these credit files?

4. What do I do with this information once I receive it?

5. I do have a bit of debt, one is 19 years old and the last payment I made was in 2001. The other is 13 years old and I have never paid or responded to any communications i.e. letters, telephone.

 

I should also point out that I suffer from severe depression for last the 25 years, I have had a very difficult and troubled existence psychologically and emotionally. So be gentle with me please.

 

No doubt, once I have hold of these files I will be in touch, looking for further assistants and guidance.

Any assistants will be greatly appreciated

Thank you

Jonny

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Hello and Welcome Jonny,

 

I have moved this thread to the appropriate forum, hopefully you will get some advice shortly.

 

Regards,

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi Welcome to CAG,

 

Maroondevo has asked me to take a look at this for you, so will read and get back to you.

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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Hi there

 

There are several ways you can get the info you are looking for. You can make a request to each of the major CRA's (Experian, Call Credit & Equifax) and pay a statutory fee of £2 for a credit report from each of them. Do be aware that the information that each of them hold is likely to differ. The other route is you can sign up online for a free trial with each of them and get your report that way. Do be awre though that when doing this you will be asked to register a debit / credit card with each and if you don't cancel the trial before the end of the specified period they will charge you a fee, so out a note in your diary if you do it this way.

 

Debts as old as the ones you refer to shouldn't be on your credit files anymore, but ultimately you never know these things until you have seen it in black and white.

 

There are various ways in which to get information amended / removed on your CRA's depending on what the situation is (i.e. its over six years old, its incorrect, etc) but obviously you need to see what's there first before you worry about that.

 

Hope that helps.

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Ok Jonny,

These debts lets take a look at them before tackling credit files.

 

A debt 19 years old with the last payment date stated will NOT/should not be on any credit file.

 

This is undoubtedly statute barred and is unenforceable in court.

 

Can you give me some details please, name of creditor and/or the name of any debt collection agency involved?

 

Please do not be concerned NO ONE on here will be judgemental or critical of your situation you can e sure of that!!

 

Are there any other debts hanging over you?

 

OK, CRA files. There are 3 main agencies Experian ( Credit Expert as seen on TV) and Equifax have free 30 day trials there is also Call Credit which has a free (always) offshoot called Noddle but it is not always up to date, but I don't think this will matter in your case as there is not likely it seems to be anything to report.

 

You will need a current debit card registered to your current address (used for identity purposes only, no money is taken), Name/date of birth/current address any other addresses in the last 6 years to access on line, you may have to wait a few days for a pin number to get access.

 

Please come back if you need further help.

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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Hi Brigadier/Ocellot

 

Thank you for getting back to me.

 

The 19 year old debt is a mortgage debt with Halifax Building Society. Me and my former wife had separated, at the time the house was in the process of been sold. As I had already moved out of the matrimonial home my ex-wife handed in the keys to the building society ‘voluntary repossession’ I believe that is what it is called. So Halifax proceeded to sell the property to the prospective owners, which left the mortgage in arrears of around £4500.00 I remarried and bought another home, to do so I had to accept this debt and agreed a payment plan of £5 weekly to acquire a mortgage. My second marriage broke down in the year 2001, this is when I stopped the £5 weekly payments, and have never responded to any letters thereafter. The paper work I have relating to this are my bank statements.

 

Can I just add, since 2001 I have been homeless on 5 occasions and lived in various parts of the country, so I have no documentation. Over the past 2 years I have had stable accommodation, just recently I have been receiving letters from debt collection agencies. I am guilty of not even opening them and putting them in the trash. I eventually opened one and it refers to the above debt – Shoosmiths

Northampton

Acc No. XXXX XXXX

Balance £3113.30

 

The other debt what I can remember is in the region £2500.00 with Capital One credit card from 2001 – again I have no documentation at all.

 

Firstly to gain any sort of information regarding these issues I think it is prudent to access my credit files.

 

If I apply for the credit files, will the credit agencies inform Banks/Debt agencies etc, I have made enquiries and inform them where I live?

 

Thank you for pointing out that no one will be judgemental or critical, that is reassuring and considerate of you!!

 

Kind regards

Jonny

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No one is alerted to you checking your own credit files, the only way any 'creditor' would know of you is if they are actually looking for you now.

Even the mortgage shortfall is stat barred after 12 years

I suggest the free Noddle credit report is ideal for you!

 

Jonny don't hesitate to keep asking for help!!

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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Thank you for your encouragement!

 

I will contact who you suggest, and get back to you if that’s ok?

 

Yes please do, keep us up to date!!

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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Hi Brigadier

 

I did what you suggested and registered with Noodle, and was pleasantly surprised, the information I found on my credit file is below. I did not realise there is CCJ against my name, which was issued 18/12/07 I have never received any documentatioin. Mind you I have been homeless 3 times within this date.

Also the credit score is between poor and fair, how can I improve this?

 

There is no sign of the Halifax/Capital One debts on the credit file at all. So with Shoosmiths requesting I contact them to enter into a payment plan and any other agencies chasing me for these old debts, how should I approach this if at all?

 

Thank you for your help!

Regards

Jonny

 

Open Accounts

This section shows you the information provided to us by credit providers and lenders on your current financial accounts.

 

Credit cards

You have no credit card accounts on your report.

 

Personal loans and mortgages

You have no personal loans or mortgages on your report.

 

Other accounts

LENDER BALANCE UPDATED STATUS

British Gas - Electric £ 0 10/08/2013 Up to date

British Gas – Gas £ 0 10/08/2013 Up to date

Nationwide Building Society £ 0 10/07/2013 Up to date

Hutchison 3G Uk £ 0 01/07/2013 Up to date

Hutchison 3G Uk £ 0 01/07/2013 Up to date

 

Closed accounts

LENDER UPDATED STATUS

O2 Uk Limited £ 0 01/02/2013 Settled

 

County Court Judgment

Judgment date 18/12/2007

Amount £ 1,658

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all your debts are gone and buried

 

any fleecing company trying to spoof you out of money

needs totally ignoring.

 

I take it you must have recently got on voters or got a mobile phone account or sky or something

 

that's got the wolves thinking they can pull one over you.

 

just remember

 

DCA's are NOT BAILIFFS

and have no such legal like powers

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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Hi DX

 

Yes, I’ve had stable accommodation for the first time in a while, which would show me on the electoral register, and I acquired a 24 mth O2 contract in January 2011, which I never missed a payment.

 

So, you say they are all gone buried, this means I do not have to engage with any DCA requesting monies? What can I do to warn them off in the future? Also, how can I re-build my credit score?

Thanks for any help you can offer!

 

Regards

Jonny

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I would suspect your credit score is perfect

 

if its not

one of the dca's has pulled a fast one.

 

if you've any type of card even a electron debit

noddle is free and almost instant.

 

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... 

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Hi DX

 

My credit score is between poor and fair on Noodle, and say I would find it difficult to gain credit - but could with a very high % APR

Maybe the CCJ is having an affect, but the 6 year statues on this coming up in Dec 2013.

 

So the Noodle electron debit card would help?

 

I do have a Nationwide Flex account debit card - is this similar to Noodles card?

 

Regards

Jonny

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Dont get a card from them. Theyre pointless.

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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no didn't mean get a card

I meant you'll need a card to get the CRA file...

 

right so's you have it

 

barring the CCJ

 

are there any debts showing?

 

the low score will prob be the lack of accountable voters years [only 2]

& the CCJ.

 

tell us what you see

 

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... 

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aha

we cross posted at that point

didn't see it

 

let me go look

 

back in a mo..

 

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... 

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Share on other sites

Noodle's very basic, I'd go for the free 30day trial with Experian.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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no that's great no debt showing

the CCJ is for a debt that's dropped off

 

obv still owed!

 

so that's the ONLY one you need to worry or do anything about

 

now do you know what the debt for the CCJ was?

and is anyone chasing it?

 

you'll know if they are 'serious' as they'll mention the CCJ

 

if none are making SPECIFIC ref to the CCJ

then should be ok to await its drop off.

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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well its always useful to get another CRA for sure

Experian or Equifax will do.

 

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... 

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Hi DX

 

I have just this minute signed upto the free 30day trial with Experian, and it is different than Noodles report.

 

My credit score is excellent 982, with 3 good factors. WOW!!

 

No sign of any debts, and the CCJ which appears on Noodle does not appear Experian

 

What does this say about my prospect of getting future credit? And do I need to check the credit files at Equifax and Callcredit?

 

Regards

Jonny

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callcredit are noddle.

 

if you want to get EQ then it would be useful.

 

not all creditors use all/any cra's

 

looking good then

 

it the CCJ debt SPECFICALLY being chased?

 

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... 

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