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    • I was looking for advice. I have no money. This has been dormant for several years as you can see on Page 1. Am I better to go to mediation, or to carry on and fight the case ? They still have not provided the documentation I requested ? With coronavirus can I email a scanned N180 ?
    • See the document in the following link. Parts 2048 and 2049   https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/864939/admh2.pdf   By declaring the capital asset correctly, you are then enabling the disregard action to take place.n
    • Hi DX,   Thanks for your time and advice.    I really cant remember if / when it was defaulted etc because 20yrs ago my finances were a bit of a mess. I thought I finally cleared everything just with deals with collectors and one debt did go to court and I had a CCJ which I paid in full and is about 9 years ago and no longer on my file.   I started to live in another country for about 10 years and have been back in the UK now for 6 years so I was surprised to see this suddenly crop up on my file a couple fo days ago.   I've attached a pdf with 2 screenshots of Credit Karma screens, the left screenshot is my front page showing the alert for the Halifax and the screenshot shown on the right is how they listed it, almost as if its a live credit card except the Credit Limit shows as £0   Do you know if when I write to them, are the obliged to remove it from the credit ref agencies or will it be on there now for 6 years?   Thanks again for your help Pip credit report.pdf
    • Just a question details below is the filing history  A claim was issued against you on 02/12/2019 Your acknowledgment of service was submitted on 04/12/2019 at 20:28:57 Your acknowledgment of service was received on 05/12/2019 at 08:05:28 Your defence was submitted on 14/12/2019 at 11:45:17 Your defence was received on 16/12/2019 at 01:21:14 DQ sent to you on 15/01/2020 DQ filed by claimant on 04/02/2020 You filed a DQ on 13/02/2020 Your claim was transferred to XXXXXX on 13/02/22020   It states the claimant must pay £55.00 by 19th May and if not the claim will be struck outwith effect from 19th May if the pay the fee the case will be held on 16th June 2020 its states in the letter under section 6, each party must deliver to the other party and to the court copies of all documents on which that party intends to reply at the hearing no later than fourteen days before the hearing.   We think they will pay the £55.00 thinking we may not attend and they get the claim on default not the case we will be fighting all the way     It states in the court papers    The following directions apply   Each party must deliver to the other party and to the court office copies of all documents on which that party intends to reply at the hearing no later than 14 days before the hearings    The original documents must be brought to the hearing   The judge may refuse to consider the documents or take it into account if a copy of it has not been sent to the other party as required by this order   The documents must be sent to the other party and the court must include the statements of all witinesses   So our questions    Copy of all paperwork must be sent to all parties 14 days before the court date ( 2nd June 2020 ) if the claimant fails to pay the fee on 19th May will the case be cancelled as of the 19th May ?      
    • I understand this has dragged on the years, we have tried every thing to resolve this matter, the other party has said they are not interested in talking they confirmed yes we have repaid over the years £13k but they want the full claim amount, the last words were in fact see you in court once we have the CCJ we will have bailiff collect everything you own plain and simple.   My question is we are fighting this and submitted the follows:     A claim was issued against you on 13/03/2020 Your acknowledgment of service was submitted on 24/03/2020 at 19:25:51 Your acknowledgment of service was received on 25/03/2020 at 08:05:23 What is the latest date the defence can be submitted online, is it 14 days from the 25/03/20 = 8/04/20 or 28/04/20    Our defence is based on 2 counts    1, Statue Barred  2, Promissory Note not Executed as Deed and no Consideration taken into account
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Hi,

can anyone tell me if alleged"defaults" from creditors can remain on my equifax file or for that matter any credit reference agency?

 

in my own case..

i have won 2 cases against me alleged to default in 2012

whilst i understand they are going to fall off the file this year...

its later in summer..

 

my query is ..

having won my cases,

does that not say the dispute was won on an alleged debt..

therefore should not be there?

Edited by dx100uk
Spacing

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But what did you 'win'?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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i documented cases against me... here on this site...my point being.. i disputed them and won..is it not the case that the court has said to the creditors, prove your case... they could not .. and therefore... what case is there to answer? why then should it be on my file ..?

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But the. claimants didnt register the defaults...

 

Just because a claim was not successful that does not mean that the relevent defaults were not properly attributed at the time to show the way you conducted the accounts .


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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granted , but there were disputes between me and the original company prior to any debt agency intervening.. however, point taken.. i am then thinking.. i must wait until the exact date for these to fall off as they say...for example if my alleged default is 3 march 2000 i would wait until 3 march 2006? just to get an idea...

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Have to wait its 6th birthday for what?

What do you think you have to do??

Its automatic in the act already


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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i thought after 6 years the record on file would be removed... this is not the case?

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as I said yes


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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so can i ask for these to be taken off my credit file? i mean now.

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no its not the defaults 6th birthday

and you don't need to ask

as I said its auromatic


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Simply put - If you have a claim discontinued - Then you cant demand the Default be removed.

6 years from Date of Default it plays a magic trick and disappears for good :)

 

If the default is there after 6 years then yes you can ask for it to be removed... As it should disappear automatically.


 

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i trying to educate by self realisation


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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ok, thanks..this all stems from me checking an equfax record on me..

so i hope i can include this query as part of the same thread...?

 

i have seen another entry relating to a credit card account.

..it does not show a default date.

.. only a "start date" of 2011..

ok i know thats not default ..

.but i dont understand why no default.

 

.i called equfax just now, over a bad line , couldn't get much.

.. but he was saying it did not go into default..

only 2 missed payments.

 

.it does say settled... but i can not remember what i did then.

 

.apparently settled a year later, i would have thought it would have had a default date in that time..

am i missing something here?

this too can impact my credit worthiness...

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late payment do little harm

only the original creditor can default you [by sending a default notice giving a date outside of 14 days from the date on the letter]

the markings/defaults placed on your credit file are nowt to do with the CRF providers they just record the info a debt owner sends them.

no good complaining to any CRF unless you've written proof the owner did not record that info and its their mistake


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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hello,

this subject has probably been covered before, so apologies in advance if this is the case..

 

. due to my illness i can not take in too much information

 

..i recently checked my credit scores with equifax and experian.

 

.with experian my score remains the same "fair" but with equifax it reads very poor..

. anyone enlighten me about this?

can they do this ..by which i mean.. give conflicting reports..?

 

obviously a report of fair is more desirable... and i feel i am being messed about with the equifax score.. any help appreciated..

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doesn't really make any odds what 'label' they use

if you've got defaults still showing and or CCJ etc.

that's what kills credit


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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thanks...

further to this i find on my file on equifax that there are 2 halifax accounts mentioned... but not in the red,,

 

,i did once have a halifax account years ago and disputed charges with them.

.now i only have rbs.

 

.one says date satisfied 30/11/14..would that mean it was paid?

 

the other shows..only a start date. 16/11/2011 and up to date..

 

. can anyone help with this..?

it also states date updated 1/5/18 so thats very recent..

.whats going on here?

 

without defaults dates don't know how long these should be in my file.

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are they defaulted?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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no mention of defaults, so i am baffled

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one halifax account defaulted in 2012... so due to fall away soon with others.. so this is only one i'm in the dark about... i only had one halifax account... this one says up to date... its a current account. no default or start date.. i dont see number 8... except in part of account number. where should the 8 be?

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