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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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I only found out about these admin charges by accident. In the terms and conditions, they state they will add reasonable admin fees to the outstanding amount but didn't state what they were. I was told this by someone at VF.

In any letter, it would be good to state that you are now aware that the admin fees they have charged are unlawful and as such, they should refund them forthwith.


You mentioned on the default that the amount of the default was £500+.

On the original default date, was this the sum quoted or was it the amount outstanding less admin fees and later it shows the balance a the amount outstanding and the admin fees.

A screenshot of the relevent credit file would be nice ( names and addresses removed) or a verbatim of the file.

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@ silverfox1961


When I looked on noodle it showed that as of March the outstanding balance was just a bit more than £300,

but then magically one month later the price went up to £505.


Since you have mentioned that you found out about this on your agreement, I had a look myself.

That is true they have mentioned something along these line, but there seems to be a problem.



I had 2 months where I couldn't make any payment with a month after where I did pay money into my account.

During the time when I didn't pay nothing was charged.

So throughout the agreement VF did not follow with their own rules.


In addition,

I have called 3+ times asking them to reduce my bill as I was struggling to pay it.

They kept telling me that they need to hear the previous recording and never got back to me at the end.



I have reached out during my financial difficulty and asked to reduce my bill payments as I just wasn't able to comply,

but they ignored it completely.

Unfortunately, I do not have the exact dates now.

Wish I could've foreseen this.


I will be calling on Monday again and trying to ask them politely to get rid of the default

and refund the charges of £154, but if they just bluntly say no I'll follow with the letter.



every time I have asked where I can write the letter they said that there's not a place that I can send it to.

Should I send it to the Head Office or should I find out a specific address of whatever team I need?



These people on the phone are always so unhelpful and some are just extremely rude.

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Please record this call in whatever way you can. If you cannot record, do an online chat then save it otherwise by mail only.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I will send a letter asking for my personal data and along the way I will send a letter asking them politely to remove the default.


I am also going to contact Nationwide as that is the company that stopped my job offer at checks and ask for my file there and a letter explaining what was the catalyst of the outcome.


Based on my limited knowledge it must've been the default because every loan I had up until now has been repaid on time and I only have one credit that is paid every month by the due date.

I have no other adverse history besides this default.


I am going to ask for a letter that states that it was the default, because if this escalates all the way to court I will claim this offer withdrawal.


I have just spoke to Vodafone and turns out they said that I sent in a request to terminate my account early and thus they charged me £171.11 for it.

Problem is that I didn't send anything in.


I have requested a copy of this request.

Now I am more than ever determined to get my money back and get rid of this default.

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send them an sar



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I have, now just patiently waiting for their response. 40 days is way too long.


in the meantime I am sending out a polite letter for removal of default.

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I have sent in my Statutory Notice and Vodafone is failing to respond and when I tried to talk to credit file team she wouldn't even listen and just hung up.


[removed] ..what kind of people work there.



She wouldn't even let me explain why what they are doing is wrong.



I tried to explain myself to her and she just continued to repeat

"we have done everything with accordance to law"



and tried saying that what they are doing is done in agreement of my contract which has ended :/


What do I do?



Do I send them to Court?



I have contacted ICO and was advised to wait a bit longer, until Statutory notice expires, and then send in all the info to them.



Really don't want to take this to Court, but will go all the way if they do not cooperate as they have failed to do so.

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