Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Defaults on my credit report.


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1890 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello,

 

I have three defaults on my credit report. Do they ever expire? I keep paying £1.00 to my creditors every month but since my credit score is bad and defaults are shown to lenders I have no hope to get work or start a business.

 

Is there any hope to get those defaults moved from my credit report? All the debts are more than six years old.

Link to post
Share on other sites

What are the debts for. WHy are you paying them? Have you ever issued a CCA request for them?

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

My debts are credit cards debts.

I have a debt management company (a charity) who simply helped me to set a payment plan and the creditors to accept £1.00 payments/month since I could not pay the minimum the credit card companies required.

 

I have written to my creditors many times to understand whom I should pay since there are now more than one creditor asking me to pay the same debt.

I did not get many answers and the answers I got did not help me to understand my situation.

I have also sent them a SAR and I got no answers either.

Edited by dx100uk
spacing
Link to post
Share on other sites

list the debts here...with the original creditors names and the names now showing on your Credit Files reporting the defaults.

 

The debts sound like they have been assigned (Sold) to DCAs

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

calendar markers are not seen by anyone bar you and the owner/original lender.

what is written in the summary line ?

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... 

Link to post
Share on other sites

American Express

BarclayCard

Lloyds Bank (credit card)

 

These are the defaults which show on my credit file. Yes, I believe that my debts have been sold many times and now it is difficult to know whom to pay. But my biggest concern is the credit file. I really would like to ask the defaults to be removed since the debts are more than six years old.

Link to post
Share on other sites

so there is no defaulted date in each debts summary?

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... 

Link to post
Share on other sites

I checked Noddle and I found two defaults. Amex and Barclaycard.

Then the year: 2013.

And the following message: payment was up to six months late.

 

I checked TotallyMoney and I found two defaults: Amex and Barclaycard. Amex has the following message: 1st March 2013. Barclaycard: 2nd April 2013.

 

Amex has been contacted by the debt management charity and asked to set a up payment plan.

One pound has been offered.

They have never accepted anything and they have not even bothered to answer any letters.

 

I have kept paying to any debt collector who claims to be acting on behalf of Amex.

Now there are more than one and the situation is difficult to know who is who and who is actually acting on behalf of Amex.

It could be that none of them is acting on behalf of Amex and I have just paid to the wrong companies.

 

Lloyds Bank and their credit card was not found any more on my credit file.

I checked Noddle, TotallyMoney and Clearscore.

Edited by dx100uk
spacing
Link to post
Share on other sites

ok that makes sense

so you've 2 more defaults that will reach 6yrs, that will cause the whole account to vanish from your file , as has the LLoyds card already.

doesn't mean the debt is still not owed mind you.

 

pay amex DIRECTLY cut out any powerless DCA's they are NOT BAILIFFS and have ZERO legal powers on ANY DEBT.

 

who's the debt charity and when did you take these cards out?

it might be better to now drop the DMP and handle this yourself as all you are doing is running the statute barred dates to infinity.

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... 

Link to post
Share on other sites

I got Barclaycard on November 2005 and I got Amex card on April 2006.

 

I have tried to pay my one pound to everyone who has claimed to be acting on behalf of the original debt owner or who has told me that my debt has been sold to them.

I have sent anyone who has contacted me a letter asking them to validate the debt and provide me a proof that they are who they say they are.

I have been unsuccessful.

 

The debt collectors have not provided any evidence that they are who they say they are.

I have complained to them but I have got a standard letter back from them stating that they have not done anything wrong.

 

I am so glad to hear that my credit report will be different very soon.

The defaults will not show up any more.

I am very glad that Lloyds credit card debt is not showing up in my credit file anymore.

I have not stopped paying my one pound to the debt collector.

 

If no defaults are showing up in my credit file, what does it mean to me?

Will I get a better credit card?

Balance transfer offers?

 

Is there a reason to feel a little bit better and hopeful?

Link to post
Share on other sites

your last few lines says it all.

 

pers stop paying anyone UNLESS you KNOW the debt is still owned by the ORIGINAL CREDITOR.

ie like AMEX as you'll see the DCA letters say OUR CLIENT AMEX.when you know an OC still owns it

better to keep paying

but do it YOURSELF not thru any DMP Provider

 

as for those you stop paying

when you get the deforestation thru your letterbox

comeback here and show us the letter

we'll sort this out debt by debt.

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... 

Link to post
Share on other sites

If I understood you (dx100uk) I should stop paying anyone else except the original debt owners.

Since I know (and thank you all of you who have responded to my question) that my credit report will not show any defaults from April 2019 onward I should only concentrate on those original debtors.

 

When the debts have been sold by the original debt owner to debt collection companies, what is the worst that can happen to me if/when I stop paying them?

 

I am not sure I understand the word deforestation.

 

Should I apply for balance transfer credit cards?

 

Should I concentrate on improving my credit score?

Edited by dx100uk
spacing
Link to post
Share on other sites

there is nothing you can do to improve your score

urban myth sadly.

 

 

if the OC still owns a debt then pay THEM directly

NOT via a DCA.

 

if a debt has been SOLD. then pers i'd stop paying

await the defeorestation [100's of letters made from trees..sent by the dca that now owns the debt]

 

WHEN that happens pop back hear and we will deal with each debt SOLD to DCA's as that happens.

 

its better to force their arm rather than blindly paying a DCA and running the SB date to infinity for no real reason other than being cash cowed.

 

as for taking out 0% cards to pay old debt off NO!!

  • Confused 1

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... 

Link to post
Share on other sites

ive moved your thread to the debt self help forum

LOTS to read here

then you'll get the idea

 

- - - Updated - - -

 

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?173-Debt-management-and-Debt-self-help

 

click above

scroll down

read a few threads that take your eye

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... 

Link to post
Share on other sites

I just don't get the advice some of these 'charities' are giving. A friend of mine has been put on a DMP through one of these. The guy doesn't own a house and some of them would have been Statute Barred a long time ago, if he'd been advised to do the right thing and sent of CCA requests and stopped paying.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Most are not aware of the legislation or how the DCA industry actually works.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

or even care as long as they get their commission from who ever for signing the mug up to blindly paying

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... 

Link to post
Share on other sites

When the debts have been sold by the original debt owner to debt collection companies, what is the worst that can happen to me if/when I stop paying them?

 

At the moment you are making 'token offers' of £1 per month which your creditors have agreed to accept, and stop legal action against you for the time being. If you stop paying, your creditors might take action by applying for a county court judgment against you (CCJ) or commencing enforcement against you where a CCJ already exists. They may also do nothing, particularly if they cannot prove you owe the debt when challenged.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...