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    • Hi  Letter was amended and sent recorded delivery on Saturday I have also stopped using the car and emptied it out waiting for him to collect...
    • Hi, I’m hoping someone can help me understand what is going on with my mortgage lender. I fell into 4 months arrears but have a repayment arrangement in place for the mortgage amount & to clear the arrears this was arranged by another organisation who work on their behalf.   I have now received a court hearing date letter for 20th December for a possession hearing and I’m really confused as to why I’ve received this. I’ve contacted the organisation I arranged the repayment plan with but haven’t had a reply yet.   What is the best thing for me to do now to get this resolved? 
    • It is at the dealer that performed the service that identified the issue. I have not moved it, because even if I wanted to I came drive it now knowing what I do. I told the finance company sitting in the dealership reception.   I did not decide to take it for repair to a garage near me. I had no idea this was there until it was shown to me. I have also straight up asked them if they are happy where it is and they said yes. I have incurred no further costs outside the initial service it was due, that I have obviously no intention of claiming back.    to summarise facts: I purchased a 2015 car on HP for £31,980 in July from an independent dealer. The car has full main dealer service history and had done 36000 miles Car went in for its 6 year service at my nearest main dealer on 25th November When it came to change the spark plugs, coolant was found in the spark well for cylinder 7. I saw this myself. Could not definitely say what it was caused by (apart from the obvious - a crack) as no one had seen a similar fault so performed more diagnostic tests. I contacted finance company via their live chat informing them of issue- yes I have a transcript. Was told a complaint was raised and they would be in touch. I then went home. when I got home a form had been emailed to me to fill out that asked questions such as what I had done so far, where it is, what resolution I would like and other needless things like was it taxed or insured. I completed and forwarded the form Dealer diagnosed a crack in the cylinder heads water jacket the next morning, causing a slow leak under pressure. The dealer did not charge for the diagnosis. I asked the dealer to email me a report. I then forwarded this to the finance company with an updated version of the form sent the previous day. The following Tuesday I got an email saying they tried to phone me and asking, I quote “I understand you were in the process of getting a Diagnostic Report completed on the vehicle, please can you send this into us so we can forward this on to the dealer to investigate?” To which I sent it again, informing them I sent it the previous Friday  I contacted their customer services to ensure receipt, getting through to my case handler appears impossible. They said they had. Not having heard anything I finally managed to get through to my case handler last Thursday. They say they are waiting on the dealer. At this time I said I am raising it under my credit agreement with you to be told “ we do this everyday we need to hear from them” I get an email back, back peddling a bit saying  “Further to our conversation, we have forwarded the information and report you have sent in to the dealership <name>.  We are jointly liable with the dealership for the issues with the vehicle, however as we don't have a work shop to repair the vehicle, we give the dealership the responsibility and a single opportunity to repair the faults. Once the dealership have reviewed the information we have provided, and we receive a response from them, we will contact you to update you. ”   I then received a phone call where I was told they need their engineer to inspect the vehicle, I asked if that was necessary as they already have a report for a pretty simple fault. I was told yes. I then said I insist on being there for it. I also confirmed if the car is ok where it is. I followed up with an email summarising our call and haven’t heard anything since. I don’t want to be bent over here, nor do I want this to drag on. So I am not keen on waiting eons for the local guy from the pub to inspect it then get his mum to write a report which evidence points to being the quality delivered from the engineering company they use. I may be over cynical here but I’ve already had one crappy bit of news so why not more.   If I have to pay for it myself then try claim it back I’d probably go down a more legal route. What is a reasonable time frame to agree that the solution is to fix a crack in a lump of aluminium?    
    • This discussion has become rather stop start – mainly, I suppose, because of the difficulty you have had in getting quotes. However, could you just sum up here the cost of addressing all of these defects – and how much have you paid already?
    • SALE OF THE CENTURY: The government’s plans to sell off the UK’s vaccine manufacturing plant will leave the country vulnerable to emerging Covid variants ahead, the head of the centre behind the Oxford jab has warned.   Professor Adrian Hill told The Independent that the sale of the Vaccine Manufacturing Innovation Centre (VMIC) in Harwell was like “having been in a terrible war and you suddenly cut your defence budget substantially”.   Labour’s Wes Streeting, the new shadow health secretary, said it “would be unbelievably short-sighted and complacent” to sell off VMIC with a pandemic still raging. Meanwhile, concern mounts over the slow rollout of booster jabs. Data shows at least 300,000 housebound people haven’t yet had their booster, according to The Telegraph.   -Independent         Vaccines Manufacturing Innovation Centre, Oxfordshire, UK WWW.PHARMACEUTICAL-TECHNOLOGY.COM Vaccine Manufacturing Innovation Centre (VMIC) in Oxfordshire will become the first-ever facility dedicated for the development and...        
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Provident personal credit - deliquent account on credit file

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I had a provident door stop loan, which I fell behind with by approx £20/week..



After speaking with my agent, I was assured I could catch up gradually and it would be fine

i.e. no damage to credit etc.. etc.. (stupidly, never got this in writing).


I was offered another loan from my agent, which I took and used to pay off the existing one, which was in arears

and was left with minimal cash, which i was grateful of at the time.



I kept up to date (and this loan was cleared back in 2013).



However, i have checked my file and the original loan, which was in arrears is showing as a deliquent account.

I rang provodent and they say there is nothing they can do.


Does anyone have any helpful tips or ways to suggest how I could get this information removed??



Thanks in advance

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If the information was placed on your file correctly I can't see you getting it removed, not sure what the score was with your agent saying it would cause no damage to your file.


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what do you mean by delinquent?



if you mean you have a default but the sloan is settled

ot late markers



if you defaulted etc

those will be there for 6yrs regardless to if the loan was paid 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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it never got to default so when i spoke to credit expert they said it means deliquent (it has a red exclamation mark at side of account) this means payments are anything from 1-5 months late but can be just as damaging

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It would appear to me that your provi agent has misled you. Suggest you make an official complaint to the Provident Head office.

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Just in the process of writing a letter thanks very much.


Also, in the past when we've struggled financially, myself and my partner have resorted to pay day loans,

which might I add were always paid back on time,



sometimes via rollover but mostly just outright.



These date back to 2010/2011,

however when checking my credit file,

quick quid have all of a sudden added 7 new pay day loan accounts to my file,

all dating back to 2010/2011,

all green and satisfied... but why now???



Can they do that so late in the day and is there any way of getting these removed

so I can disassociate myself from such companies now I am in a much more stable position financially

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go see what noddle says too



see below




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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