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    • They will have to make application to set a side then...not that they have any valid grounds or any chance of success.
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    • So I work for a small charity in which I am the only paid employee.  The only other staff on the charity is my boss, everyone else works as a volunteer.   An issue has been raised regarding something I am alleged to have done.  I went into work Monday morning three weeks ago to be told to go home and not come in until they told me otherwise.  Then I get a letter a few days letter telling me I have been invited to an investigatory meeting about an allegation. I went to the meeting and got ambushed by my boss.  I was told very little in the letter and in the meeting he threw a number of accusations at me.   He has now sent me a suspension letter with number of spelling mistakes including the name of the charity spelt wrong.  He is saying I have broken policies and guidelines which don't exist (or at least I've never bee shown or even knew existed).  He is so out of his depth it's shocking, he is literally writing policies as we speak and sending them to me including the Disciplinary Procedure which he wrote a few weeks ago. I have worked there for less than 2 years so I don't really understand why he hasn't just sacked me if he is that bothered, but I feel he is trying to cover up his own short comings by blaming me. Do I wait till the hearing and then explain how biased and badly done the investigation is?  The board of trustees are all his mates so I can't imagine I am going to keep my job (not that I want it know) but the accusations are really serious and I don't want this hanging over me.     
    • Quick update, 1) Zopa, via email, has offered to consider a discount (quoted below) “Please contact us urgently so we can talk about setting up a manageable repayment plan. If you are able to raise some funds, we may be able to offer you a discount to settle your outstanding balance at a reduced rate.” Does that imply that they think the debt may be unenforceable or just them cutting their losses? I’ve not responded. 2) I sent the letter to respond to the letter of claim eventually 17th Nov, as per the information templates, and the postal order. I sent it Royal Mail signed for, I checked the tracking today, and it still says “accepted at post office”. So not arrived, or more likely not signed for? I’ve kept copies and photos of the letter.  not sure if this is a tactic of theirs or just genuinely tracking issue/lost? thanks guys!   
    • Hi,  Update: the breeder has now had a solicitors letter sent to me refusing to accept judgement based on a faulty service ( claiming the name was spelt wrong etc), so no PoC has been received so I must stop the judgement or pay her costs in court as she now seeks an urgent order based on incorrect service.   I explained she confirmed their details twice upon being asked where she wanted docs to go and that she refused delivery at her home address of the action coming so she’s obstructed service herself.   lesley 
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Delayed by my own impatience!


Nottingham2013
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Long story short

 

after defaulting on 3 accounts 6 years ago

 

I have finally ridden my credit file of these accounts,

 

2 of them requiring drawn out battles to remove early which I eventually won..

..but now it seems my celebrations were premature.

 

Over the last 8 months I have been applying for credit cards at the rate of 1 every 1 or two weeks.

 

My idea was that it was getting so close to the defaults being removed

I could get accepted at anytime.

 

However I was under the impression that these searches were insignificant

and at worst they would have a very very minor effect on my credit file...

 

.but I have now been informed that I have been rejected for having too many searches

and face 6 further months in the wilderness before I will be accepted.

 

Any ideas on where I go from here besides the obvious no applications for 6 months and try again?

 

I'm so deflated by this silly mistake.

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Ouch yes, you really have stuffed up by applying so often.

 

I think you are indeed going to have to sit on your hands / lock your keyboard away for 6 months and give your credit file a rest :(

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The link below gives you some idea of what you need to do and how in order to repair your credit history and perhaps be accepted for new credit.

 

http://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards

 

Scroll down the page a bit and you will see the following..

 

If you are being rejected...

 

If you're rejected - STOP applying.

First, check your file's correct.

If it is, consider getting a special 'poor credit' card.

 

Freeze! Apply for too many cards and receive multiple rejection letters in a short period and you could shoot your credit rating in the foot for years. This is the dreaded 'rejection spiral!'

 

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

Uploading documents to CAG ** Instructions **

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

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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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Have you spoken to your own Bank ? They should be able to do one of the searches that doesnt leave a "footprint". If they are unable to do this, ask them not to do the search at all. If you have no debt with them, they might even consider providing you with a small credit limit.

 

Alternatively, if you need credit then perhaps investigate a Credit Union ? http://www.findyourcreditunion.co.uk/home

 

I truly would not try to obtain credit via a broker - not only do they charge a fee, but they might end up directing you toward a PDL ?

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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Sadly there isnt much that can be done about those. I think you are just going to have to be very patient indeed.

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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:)

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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