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    • I only just signed up to vote, I have never voted before, but I've never had a problem accsessing my credit file in previous years, it's like it's just been deleted?    Here's a message from another credit check place I found.   I have just moved in the last month but my bank account, new address etc are all up to date and I literally called everyone when I moved, internet, electric, gas, mobile contract, bank, everyone on the day I moved here,   When trying to get my credit report I use my new and previous addresses.   Here's a message I got ...... Why have I been unable to access my Credit Report? When completing the authentication process for access to your credit report, you will have received one of the following in-product messages to indicate why you have not received access: Thin File This means there is currently not enough credit history information held in your TransUnion file for us to produce a credit report. You can find out more about how to build your credit history in our guides. Not Found If you have not been found by TransUnion, this does not necessarily mean you do not have enough credit history or that you have poor credit history. This simply means that with the details you have provided, TransUnion have been unable to accurately match you to a credit file. Check over the details you have entered and make sure all financial accounts are up to date. If you notice that your Date of Birth, Name or Address have been filled in incorrectly, you can update this information on your account and this will initiate a new search with TransUnion to locate your credit data. Please note, a new search will only be initiated if you change your Date of Birth, Name or Address. Therefore, if you have since updated your information with public bodies or your financial accounts to match your current account information, we will be unable to initiate a new search and you may need to close your account and re-register. Failed If you have failed the authentication process then unfortunately we have been unable to provide you with your credit report. As per TransUnion policy, we are only able to provide customers with two attempts to access their credit file data, after which they will be unable to access their data through our service or receive a TotallyMoney credit report.  
    • I was going to suggest cooperating with her over the letter copies so as to look good in court, but on further consideration BazzaS & SuperVillain are right.   However, to make it easy for the judge and to show her up in court I would tweak the letter and add that this is the third time you've asked so that the expert can be "jointly instructed" and you are anxious to move things on as the two of you are already beyond the court's deadline.    You are writing to her but in a certain sense you're writing "to" the judge and what you are writing needs to be concise and follow the court's instructions - unlike her gibberish.  
    • Is there still chance to submit my defence as it is the 20th final date for submission?
    • you should have entered nothing.   this is why its so important to read instructions and other like threads carefully.    
    • As per 'post 20' you mention you do not file a defence so I entered defence to follow, should I have left blank??
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i raised a complaint to peachy for IRL (due to my gambling addiction at the time) they left no credit footprint at the time of applying on the 19th April (however they did on the 9th April when i didnt apply there) i admit i lied about my expenditure to fuel my habit


not sure how to respond to them here.


Dear OP


We are writing to you in response to your complaint we received on 13/05/2018.

We have investigated your complaint competently, diligently and impartially. We have assessed the subject matter of the complaint and would like to provide you with our views on it.


We can assure you that it was never our intention to harm you in any way. As creditors, we abide by our statutory obligation under the Consumer Credit Act 1974 to undertake a sound, proper and appropriate assessment of creditworthiness to assess the borrower's ability to afford the proposed credit commitment. In addition to assessing creditworthiness, we do our best to always undertake an adequate assessment of affordability.


Firstly, to ensure you have a clear overview of your lending history with us, we would first like to provide you with a breakdown of your borrowing with us.


You took out 1 short-term loan, of £100, from Peachy on 19/04/2018 and it was scheduled to be repaid in 5 instalments on a monthly basis, however, before the first repayment was due you opted to top the loan up by £200 making the total principal borrowed £300. Currently you are still repaying the loan as per the instalment schedule.


The affordability assessment is based on the borrower’s financial position as a whole and takes account of information that we are aware of at the time the credit is granted. As creditors, we employ the use of a variety of types and sources of information to assess affordability.


You provided us with the following information that you confirmed to be correct. You stated that you were in full-time employment with XXXX, earning £1300 net per month, against which you listed the following expenditure:


● Monthly rent: £200.00

● Monthly utility bills: £0.00

● Monthly expenses on food: £120.00

● Monthly expenses on transport: £120.00

● Monthly expenses on insurance: £0.00

● Monthly short-term loan commitments: £100.00

● Monthly credit commitments: £50.00

● Other monthly commitments: £0.00

● Total monthly expenses: £590.00


This left you with a disposable income of £710, which was more than enough to cover the small monthly instalments.


As you had also told us that you were single and living with your parents at the time, we had no reason to question the relatively low expenditure in regard to financial commitments due in respect of mortgage contracts, payments for rent, council tax, etc.


When you provided this information, you also confirmed that you have provided accurate information and considered potential future income and outgoings in determining your ability to repay.


We note that we are not obliged to ask for copies of your bank statements, however, the information we obtained from you, the customer, was compared against data received from the Credit Reference Agency and the information received from Callcredit did not suggest that you may be experiencing financial difficulties or unable to afford the loan repayments.


Although our use of credit reference data exceeds industry standards, we recognise that the process of assessing affordability is assisted by all of your creditors registering accurate data with Credit Reference Agencies, in a timely manner, about the performance of an account and/or settlement of outstanding debts/arrears.


As our credit searches did not unveil any indicators of financial difficulties we would advise you to contact Callcredit UK to check if all of your creditors have reported accurate information on your Credit File to make sure that when you make a loan application, the information received from the Credit Reference Agency is correct and complete.


In case you claim to have been unable to afford the loan due to commitments to other lenders then it is quite possible that the other creditors did not report accurate information which caused other lenders to be unaware of all of your credit commitments.


Our application form is designed to provide customers with all the information they need to make a well-informed decision about whether the loan is affordable for them.


In compliance with the relevant provisions in the Consumer Credit Act 1974 (as amended) and regulations made under it, we provided you with sufficient pre-contractual information before the agreements were concluded and enabled you to have the time to reflect on that information before making a final decision. You were provided with the following documents (attached)you’re your consideration:


- The Standard European Consumer Credit Information (SECCI)

- Adequate Explanation

- Terms and Conditions

- Credit Agreement


You were also advised to study these documents thoroughly to ensure you understood your obligations and rights when using our service. In the Credit Agreement, it is explained that our loans are not suitable for long term borrowing as the costs are likely to be significantly higher than other forms of lending which are designed for borrowing over sustained periods. The terms and conditions also included a separate 'Responsible Lending' section in which it is explained that it is important that you do not take on more borrowing than you can afford and you were reminded that if you run into difficulties, it is important to contact us immediately.


In addition, by signing the Credit Agreement, you also confirmed that you are not:


“a) in a Debt Management Plan (or similar scheme) or considering entering a Debt Management Plan (or similar scheme);

b) in an I.V.A or are considering entering into an I.V.A.;

c) bankrupt or considering filing for bankruptcy;

d) under notice of termination of employment, redundancy or any other notice which could affect my employment status;

e) in receipt of Statutory Sick Pay or suffering from any medical condition which would cause me to apply for Statutory Sick Pay during the period of the loan;

f) in receipt of any benefits instead of my usual wages, salary or other income declared in my application."


If you knowingly or recklessly provided us with information which was false or misleading about your financial situation then this made it impossible for us to adequately assess the affordability of your loan and we cannot be held culpable for not knowing about your actual circumstances at the time.


In addition to all of the above, borrowers should always also undertake their own assessment of affordability concurrent with that undertaken by the creditor. The onus is on the customer to provide correct information and in addition to responsible lending, responsible borrowing is also very important.


We are certain the extent and scope of the affordability assessments undertaken were sufficient because we considered a variety of factors before approving your loan application. There were no indicators that you may be experiencing financial difficulties.


We have also considered that you have only had 1 loan from Peachy, which does not indicate a pattern of frequent borrowing or dependency on our loans.


Furthermore, we have considered that you have not even repaid the principal sum borrowed.


Based on all of the above, we unfortunately are not able to uphold your complaint.


We recognise that this may come as a disappointment but hope our explanations have helped clarify why we are not able to uphold your complaint and we would kindly ask for your confirmation whether you consider your complaint resolved to your satisfaction.


This has been our final response. Should you remain dissatisfied with our explanation and the outcome of your complaint then you have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of this letter.


If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.


You can find information about how to do this on the Financial Ombudsman Service website: http://www.financial-ombudsman.org.uk. There is helpful information about how to complain in the leaflet Your complaint and the Ombudsman which you can find at: http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm. We have also attached the leaflet to this email for your convenience.



Kind regards,


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Removed Personal Info from this :)

Need to stop putting your name in here...


If you read our guide properly


1 - You would know not to respond to them

2 - You go to the FOS.


Looks like a template response to me... Just with some added extras?


Receptaculum Ignis


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simply trying to bamboozle you

off to the FOS time



please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.



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Removed Personal Info from this :)

Need to stop putting your name in here...


If you read our guide properly


1 - You would know not to respond to them

2 - You go to the FOS.


Looks like a template response to me... Just with some added extras?


god i keep forgetting about the personal info, thank you.

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