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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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Admiral Car Insurance and CRAs

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Posted (edited)

I don't think I have a leg to stand on but must ask:


My Direct Debit bounced for my car insurance premium and Admiral have marked a Late Payment on my CRFs and will charge me £7.20 penalty.


Is there anything I can do about it (short of paying them off and not renewing later in the year)?


Also, are there any insurers who do not grass you up to the CRAs for late premiums?

Edited by HSBCandMe

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if you don't pay the cost of the insurance in one lump but opt for monthly payments, then you enter into a regulated credited agreement which quite rightly is reported to the agencies

if you then miss a payment and are late, they are quite entitled to mark your file.

but it shouldnt hurt you very much in terms of scoring or the availability of credit.


as for the penalty charge, that's unlawful under fca/oft rules and can be questioned to if you need to pay it.


though you might find its the finance company you need to complain too if its not financed by admiral themselves.

but eitherway its an unlawful penalty.




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they can only charge you what it costs them to administer the bouncing DD so about 60p

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I received this letter (attached) today, from Admiral.


I have a few questions about it.

  1. Is it true that that no one there is responsible for sending data to the CRAs?  Admiral state that they cannot give me a name and contact details for any sort of data manager or someone there who controls data sent to the CRAs? is that right? I thought all credit businesses had to have a data control manager who has discretion? 

  2. They also state "You will be in Default under the Agreement: If any Direct Debits are refused by the Bank/Building Society within any policy term. “ The point I made is that I set the direct debit payment dates myself and, while some bounced, Admiral were paid within seven days of that under the same direct debit instruction (re-presented). Surely that is the “policy term”?  They also reported some missed DDs and not others, which is odd if, as they state, ALL DDs are reported electronically without human involvement.  I would also add that I have been with them about 10 years, without complaint, and they only started filing with the CRAs about 4 months ago.

  3. Whether they will or not, surely there is a data controller at Admiral with the power to remove adverse data?


This seems to be a classic case of an unhelpful case worker at Admiral with “the computer says no” mind set.  


Admiral response 17.4.19.pdf

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Admirals' refusal to provide me with the contact details of their data controller must be in breach of the DPA, surely?  Are they not required to have a data controller to exercise control over – and take responsibility for - the processing of customers’ data.? 

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