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    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
    • Seven years ago today this topic started 🤗
    • From Tuesday, the bank will alter the rate of cashback it pays on some bills - while doubling the monthly fee on its 123 Lite account to £2. The changes are disguised cutbacks. View the full article
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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where to start


we bought a fiesta eco 1.6tdi based on advice given by carcraft,


initially my wife didnt like the car too much as its a bit barren and obviously a very low spec

but she was swayed by promises of 75 mpg and nil road tax.


after almost a week of driving and shockingly seeing 50 mpg at most

she decided she wasnt going to put up with the lack of goodies and get less mpg than my 2.0 diesel


so she returned and advised she wanted to exchange,

that was 3 weeks ago,

since then we have had lies promises excuses more lies and


now have 2 credit agreements with BH for 2 cars one of which is still in the showroom.


simple question


carcraft have now had almost 4 weeks to resolve this and still no resolution in sight,


my wife was literally grilled by both salespeople and an operations manager about the reasons she wanted to exercise her "no quibble" right to swap,


in the end she lost it and advised the reason didnt matter but it was her choice.


After all this time and 2 official complaints from BH are we within our rights to claim breach of contract as they have failed to exchange in a reasonable timescale?


The Micky mouse second finance deal which seems to be a common theme was apparently used as a deposit without our knowledge on the first car

and is classed as a personal loan


what happens with that if we do in fact return the car under a breach of contract?


BH were very interested in that little morsal when we told them about it too

Edited by cssuk
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I am getting worried by this second loan scheme


this is the 2nd or third thread here of resent that mentions these

appears to be to part pay for the car or the warranty [useless and unnecessary under SOGA etc]


or in this case used to pay a 'deposit' on the car

without the main financier [in this case Blackhorse]

knowing anything about it





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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yes i gather that not sure on the legality of it all really you sign up for a car and discover a personal loan slipped in under the mat but can anyone answer the breach of contract question?

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Hi we do indeed have it to hand but posting on a public forum is a big no no am afraid as it obviously has lots of info however the whole things a moot point now, after boning up on the relevant laws and exerting pressure on both CC and the credit Co in this case BH the whole deal has now been scrapped, we have our old car back which incidentally they hadnt yet paid for 4 weeks later! and they have the heap of junk they tried to sell us back i will not be ripped off when the law is clearly on my side, the secondary loan has also been cancelled and we have walked away.


One point i would like to mention and get advice about, we gave them a settlement figure for our car which expired at the next payment 2nd june peugeot finance attempted to take a payment on 2nd we thought in error however it seems CC hadnt paid so it was BAU for them, so not only did we get stitched up with an extra loan but we would have paid an extra months payment on our old car that we didnt have! a chargeback was done but this will now be reversed peugeot are ok with this b ut it obviously now shows a late payment.


CC registered our car even though it wasnt paid for so now it has an extra owner from 2 to 3 this is something i intend to seek compensation for as well as the umpteen calls to 0844 numbers, our part exchange which was in perfect condition when traded in now has a bleached spot on a seat again i will be looking for compensation for that, i have been given the email address of the main man who i am told is Robin Bridge no idea if thats accurate but i will find out.


opinioins if you will about my chances of getting anything back from them for all this ?

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We wouldn't have expected it to have been put up with all your personal details being redacted.



Shame, as this give us no chance to pick the contract to pieces so helping others.



If you do your correspondence by recorded delivery, you stand more of a chance than by phone or email. If you are out of pocket then bill them and see what they come back with. You can then decide on the next move.

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