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    • Ah, my wretched opinion would that be the same opinion that won the referendum? confirmed in the Euro election and gave Boris an 80 seat majority to “get Brexit done”? and who will lead you forward to your rejoin utopia? Labour’s left? ohno ,they are quite happy we left The Lib Dims, lets have another referendum? that went well at the last General Election Twobit political chancers, e.g.  Sir Kier, or Genghis perhaps? or are you going to wait until wee Nicky takes over the UK (minus Margaret Ferrier MP, of course, who’s name I don’t see gets a dishonourable mention anywhere  on your other thread) sorry for the delay, plenty to do, horses and hounds to look after, pheasants to shoot etc etc ,we are very busy at the moment here in the countryside
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    • Hi, I am a private seller and I sold a CD player on eBay. The item sold for £266.77 + £9.38 postage. I would usually send high value items by Royal mail Special delivery and incur the extra cost myself, just to make sure the buyer receives their parcel.   Unfortunately the CD player I sold came with it's original box so it was slightly too large to send by Special delivery. Therefore, I thought I would try what I believed to be eBays own shipping service, Packlink. I sent the item the same day by Packlink Hermes Nextday with insurance to the full value and also paid extra from the requirement of a signature. I have the receipt from Packlink but it doesn't mention the amount insured. I'm concerned that may be deliberate. To ship by Next day with full insurance and signature requirement doubled the shipping cost but I didn't mind incurring the extra cost as long as I was covered.   The parcel arrived at the Hermes national hub but then didn't move. I tried many times but Hermes wouldn't deal with me because I booked through Packlink. Ebay wouldn't help me in anyway so my only way to communicate was via live chat on Packlink.   I informed the advisor what had happened and explained that the parcel hadn't moved since the 15th October at 1.58am. The Packlink advisor told me they would submit a request to Hermes and get back to me. When Packlink did get back to me , all they did was confirm that my package was at the hub, as per what I told them. I told them that I wished to make a formal complaint but they just ignored me. They told me they would submit an inquiry with Hermes and get back to me when they had more info.   Several days later, after numerous unsuccessful attempts to contact Hermes directly. The tracking updated on eBay, stating "There's an issue with the delivery." and "Enquiry Resolved". I contacted Packlink again to let them know and they told me they would submit a formal investigation.   The following day I received an email from packlink apologising for the delay in their response and that they had received the following response from Hermes..   Please find the carrier's latest update as follows: "I’ve tracked the journey of your parcel and unfortunately parcel is still currently at our Hub. I am truly sorry for the inconvenienced this has caused and please allow extra time for the parcel to arrive to our depot from the Hub. We will immediately process the parcel for delivery once this has been received."   I felt a little more relieved as it seemed like Hermes still had my parcel so I replied thanking Packlink for updating me.   A little later I decided to have a look at the tracking. It still said there was a problem with my delivery but this time it said "Claim code issued". I emailed Packlink to let them know that information conflicted with what they had told me but I have so far received no reply.   I am very concerned after reading all the reviews and horrors stories about these companies online. I have kept the money on Paypal but I haven't heard anything from the buyer yet. I thought it best to let the buyer get in touch wit me first, just in case the parcel had been delivered but not updated on the tracking. I know that if I was the buyer, I would of been in touch straight away, but a week later, I have still heard nothing.   I have read on other posts that I can't take Packlink to the county court with them being based in Spain, and Hermes are just ignoring me. I don't know what to do next and I don't know where to find a document that shows my full insurance for the item. I only have the receipt from Packlink which shows I paid for insurance and I have the eBay sales receipt.   Please can anyone help?   Many Thanks.
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2 LLoyds defaults - can i get them removed from credit file?


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I have 2 defaults on my account (by from Lloyds). I've paid off the debt on both completely about 6 months ago.

 

I know that paying the debt doesn't remove the default notice on credit file.

 

Obviously,

I'd like to get rid of the default notices on my credit file ASAP,

as they're causing me issues in a joint mortgage application with my partner.

 

We're having to just do it in her name now, which is frustrating as means we can't count my income towards it.

 

I've read lots of accounts of people removing defaults.

 

Can you give me some idea about removing the defaults and my best course of action to get this sorted ASAP.

 

Some details:

 

- I'm sure they've listed the default dates wrong.

 

Bringing them forwards, which is obviously detrimental to me as well.

 

At the very least, they should be back-dated to the date when the default actually took place.

 

But ideally, I'd like them expunged.

- the debts are both paid off.

- debts were sold on to other organisations (other than Lloyds).

 

So to summarise:

can you give advice on default notice removal, please?

 

Any links to resources would be much appreciated.

 

Kind regards,

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Hi

Any defaults legitimately placed are unlikely to be removed until they drop off. If a date on your credit file is different from the original default date then you can complain and have the original date put in its place.

With any debt paid off in full, the account should show 'settled' however if it was a short settlement, your file would show 'partially settled'

 

It doesn't matter who the debt was with. As he debt was sold to a DCA, the rights and responsibilities were also transferred across so they have the right to mark your credit file.

 

Some debt collectors would remove defaults but only as part of any negotiations and certainly not after a debt has been paid off as they would have no reason to do so.

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

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not much chance of negotiating the removal of any negative markers once already paid. unless, as said, they are factually incorrect.

as said, a new owner cannot bring forward/extend a default date. they can only put their name on it.

IMO

:-):rant:

 

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why do you think they might have been wrong?

 

 

they should be placed around the tHIRD missed payment?

 

 

what type of accounts are these against?

 

 

were any default charges included in the figure quoted on the DN 's when they were issued?

 

 

dx

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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Type of accounts: one is a loan, the other a credit card. I was stuck in the cycle of using a loan to pay off a credit card after being made unemployed years ago!

 

I know it'll be tough, but I'll keep on fighting it to get them removed. I'm annoyed that 6 years is such an arbitrary figure. Why not 2 years, 3 years or 4 years!? I'd be fine then.

 

I know we all have to pay for our mistakes in some form, but I do find it infuriating that they put a 6 year sentence on this kind of thing. You're punished for years after living through a really tough time (being made redundant, struggling financially, etc).

 

2 years seems like a fair punishment for this kind of thing, but to stop me being on a JOINT mortgage application when I'm now running a very successful business and financially very well off, I think that's really wrong.

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so when were the defaults placed?

and when would have been your 3rd missed or short payment on each?

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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  • 4 weeks later...

As a follow up to this,

I'm posting the letters I received from Lloyds after doing the Section 78 request I was advised to do.

 

What do you make of the wording of these?

It seems really dodgy to me - like they know they don't have a leg to stand on and they're just trying to brush it under the carpet.

 

Any advice? Next steps?

bank2.jpg

bank3.jpg

bank1.jpg

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cant see where you were advised to do a CCA request?

and anyway that's irrelevant to your 'cause'

 

 

so back to what we needed you to do

which is in post 6.

 

 

incidentally what they are saying is correct

but as you've paid the accounts off a CCA request was pretty pointless which is why we didn't advise doing 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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I looked through other threads with the same situation and all were advised to do the Section 78 request.

I followed that.

 

It was a template that I got from CAG which tells the lender that I didn't receive a notification of a default being put on the account.

 

I don't see anything that I 'needed to do' in post 6.

 

I'm unaware of when the default occurred

 

. The dates on my credit file are certainly not when it would have occurred (they're much later).

 

For clarities sake, here's the template I mentioned (obviously, I amended for my details):

[Template removed - what does it say about NOT posting our templates in the open forum??? So something else you didn't read properly - DX]

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I doubt there is a thread here that's says to get a default removed you need to send a CCA request as that's pointless

 

Have you all the statements to prove when the defaults should have been placed then?

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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Urm.. So as post 6 then,........

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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Share on other sites

you were indicating that your had missed payments before that date so thus the defaults were recorded late?

 

 

so have you any evidenced in the statements that you had missed several payments earlier than the defaulted date...that's what you came here querying..so can you prove 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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you were indicating that your had missed payments before that date so thus the defaults were recorded late?

 

 

so have you any evidenced in the statements that you had missed several payments earlier than the defaulted date...that's what you came here querying..so can you prove it....

 

Yes, I can prove it.

 

But what I came here to query was how can I get the defaults removed.

 

Do the answers to those questions actually get me any closer to having the defaults removed from my account?

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removed no that's almost impossible as they'll be a true reflection of how the accounts were operated

however you could get them moved to an earlier date with proof of earlier missed payments

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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I think what people are saying is that if you did default then it is all but impossible to get them removed before the 6 years are up. Having said that if the dates have been entered unduly late then they should be willing to correct them - the ICO Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies say 6 months worth of missed payments - or at least they did last time I checked.

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Any default should be placed on file at the earliest, after 3 missed monthly payments and at the latest by 6 months missed payments.

 

You are looking for at least 3 months missed oayments to attempt having the dates corrected.

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