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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • lolerz
      my Leasehold/Freehold property and it's issues.

      By lolerz · Posted

      You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though.     A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees.   https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
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      China green-lights mass production of autonomous flying taxis — with commercial flights set for 2025 | Live Science WWW.LIVESCIENCE.COM The EHang EH216-S autonomous flying taxi is the first eVTOL ready for mass production and could lead the way for flying cars around...  
    • HP Mum
      my Leasehold/Freehold property and it's issues.

      By HP Mum · Posted

      Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Stripeycat
      PRA Claimform - Old Barclaycard debt

      By Stripeycat · Posted

      Thanks for the other info will also take a look at that.
    • Stripeycat
      PRA Claimform - Old Barclaycard debt

      By Stripeycat · Posted

      It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

MyJar/Txtloans Default

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Ubiquitious

Ubiquitious

Posted
Posted

Hi,

 

 

I was checking my Noddle report and noticed a default by MyJar dated March 2015.

 

 

At first I was confused as I had never heard of this company. Anyway after a quick google search they were related to txt loans with who I did have a loan with back in August 2011.

 

 

I checked my old email account that I no longer use and noticed that they had sent me a default notice December 2014. The amount was for over £600. The original loan was for £300.

 

 

What really frustrates me is that I did have serious financial problems in 2010/2011 however they have since passed. I was kind of seeing the light at the end of the tunnel with the defaults now becoming 4/5 years old. This newly registered default will now be on my credit file until 2021 which is a bit upsetting.

 

 

Is there anything I can do about it?

 

 

I sent them an email threatening ICO, trading standards, financial ombudsman and all sorts but they just replied back with....

 

 

 

 

The reason that the default has not been registered before now is that we have only recently begun sharing data with a credit reference agency. It was not therefore possible for us to register defaults before that time. Now that we do share account information with CallCredit, we have become obliged to send them updates and, where an account is seriously in arrears, to register a default.

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Bazooka Boo

Bazooka Boo

Posted
Posted

So do you owe them anything?

 

Technically if you do, then as long as the info on your credit report is accurate, there isn't a great deal you can do.

 

Have you got the default notice they sent you?

What are the dates on it by which you had to rectify the account before they would terminate the agreement?

 

You can also place a 'notice of correction' alongside the default too.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ubiquitious

Ubiquitious

Posted
  • Author
Posted

Thanks for your post Bazooka Boo.

 

 

I do owe money (although £600 is much more than the loan agreement), and the date they gave to rectify was 14 days. They only sent the notice by email, not by post. Also they stopped claiming fees or interest back in 2011 - so it was in default back then. Why add a default dated March 2015 when the default happened in 2011.

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citizenB

citizenB

Posted
Posted

They MUST put the correct date of the default on your file. They cannot fudge that.

 

You could point out that as you had repaid the loan prior to the new rules for credit reporting, then this is grossly unfair.

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Ubiquitious

Ubiquitious

Posted
  • Author
Posted

Would this invalidate the default notice...

 

 

The date of the notice from MYJAR is December 2014. The date of the letter of assignment of the loan from txtloan to MYJAR is Feb 2015.

 

 

The default notice was issued by MYJAR prior to them owning the debt.

 

 

They have separate consumer credit licenses however they are under the same ownership.

 

 

Effectively however MyJAR sent me a default notice in December and I would have little idea who they are and it is prior to the notice of assignment that was issued by txtloan in Feb 2015..

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fkofilee

fkofilee

Posted
Posted

Well heres the deal, they need to put an actual date of default relevant to the actual Loan...

I had mine written off as it wasnt mine and I think they are still trying to get it removed of the credit profile .

 

I can put you in contact with their MD and their Compliance Guy if its any help?

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Ubiquitious

Ubiquitious

Posted
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Posted
Well heres the deal, they need to put an actual date of default relevant to the actual Loan...

I had mine written off as it wasnt mine and I think they are still trying to get it removed of the credit profile .

 

I can put you in contact with their MD and their Compliance Guy if its any help?

 

 

That would be great if you could, fkofilee.

 

 

I do not deny I owe them money, but a default dated 4 years after I was in breach of the agreement is annoying!

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fkofilee

fkofilee

Posted
Posted
That would be great if you could, fkofilee.

I do not deny I owe them money, but a default dated 4 years after I was in breach of the agreement is annoying!

 

[email protected] - Compliance Director

[email protected] - MD

 

One of the people managed to get their Loan written off by stating they were in a lot of debt. To be honest, what Myjar have done to you at the moment, its rather shocking that they have gotten away with it.

 

The default itself should NOT be allowed to be placed at its current state due to the age of the account. It should be representative of when the loan did default. Not 4 Years later!

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Ubiquitious

Ubiquitious

Posted
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Posted

Thanks. I'll contact them both right away.

 

 

Most defaults on my credit file will clear in 3 years time. I was hoping to buy a house - get on with my life - once they had disappeared. This 3/4 year late default from nowhere is very upsetting as it will stick around for 6 years. It just seems very unfair.

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fkofilee

fkofilee

Posted
Posted
Thanks. I'll contact them both right away.

 

 

Most defaults on my credit file will clear in 3 years time. I was hoping to buy a house - get on with my life - once they had disappeared. This 3/4 year late default from nowhere is very upsetting as it will stick around for 6 years. It just seems very unfair.

 

Let us know how you get on.

As for a Mortgage, just remember that not only do the defaults need to go... You need to have a good few years of non missed payments to buy the house.

 

Problem you have is they may have defaulted it in 2011... But havent updated it correctly so the Default will actually be with your 10 years... Thats unfair. But only registered for 6

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Ubiquitious

Ubiquitious

Posted
  • Author
Posted

Just a quick update.

 

 

I issued a dispute via Noddle. MyJar did not respond in time and the record was temporarily removed.

 

 

I got an email yesterday from MyJar stating that they are changing the date to August 2011.

 

 

Seems a fair outcome.

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