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    • I am sorry, but without seeing the contract, and knowing what is on it or what effect it has, it is impossible to say.     
    • A16 BYN is the plates that the car was advertised with, and obviously the plate which I checked the mot history with, I also thought the same that the website maybe hadn't been updated with the most recent mot that the dealer had got done, I asked for the original plate number whilst doing the logging in to my bank account, to pay both the dealer and the shiply transporter. Bearing in mind I had told the dealer around 6pm that I would get the deposit sorted out when I put my son to bed, that gave him every opportunity to send me any pre contract details etc. Just over an hour later (son still wasn't in bed) asked for the address of where the vehicle was to be picked up from as I couldn't accept the quote for the transporter without that information. Less than an hour after that he whatsapped me asking if I still want to buy the car because he's getting enquiries from other interested parties and is telling them that he's sold the car to me (no deposit  paid as yet). I then replied a few min later having finally got my son to sleep.    Anyway between me sorting out the details and where to pick the car up from, log into my banking to pay deposits etc he'd  messaged me the original plate no... which I didn't see until after I'd done all the aformentioned.    I decided to check the history on that plate as like yourself I had been confused about the mileage, low and behold there was the most recent mot containing 5 advisories which were never mentioned to me. Another thing I can't really understand is the expiry date of the mot before that either and I did query all of this with the dealer, only to be told that cars in Scotland are renowned for corrosion issues...and that if I had checked the mot history I would have seen them, I explained I had checked the history on the plate in the advert as I had no knowledge of what the original plate numbers were and he told me that the most recent mot was under the plate in the advert. Most certainly the mot certificate he then sent me on whatsapp had the advertised plate on the certificate,  however, it wasn't showing up on the dvla page.    By this stage I was irate with him for several reasons, for not notifying me of the advisories and telling me that he had checked the dvla and the most recent mot was showing up on the advertised plates, I then screenshot the page with the expiry and this car is not mot'd information, and 2 for telling me that cars in Scotland are renowned for corrosion issues!    Had he simply said, the car is 18 years old you're going to expect to have some corrosion at some point, I'd have been a bit more tolerant at that stage. Apon checking the history on the original plates, it transpired it passed the last MOT previous to the most recent one on the same day the advertised plates ran out, I still haven't quite fathomed out what is going on regards to this. However the previous mot showed no corrosion issues and as it hadn't failed on that basis, I would get the panel beater sprayer mentioned in an earlier post to have a look at it, and sort the issues out re that, also the main reason I had the car delivered to my dad's address as that's also the area where the panel beaters business is.  
    • I had a similar thought, TJ. The Guardian has done an explainer of the rules as of yesterday.   Someone said that if the government, had retained public trust, they might not have needed stringent measures like this.   https://www.theguardian.com/world/2020/sep/28/england-new-coronavirus-restrictions-explained
    • Retailers and Hermes.   I have a parcel that’s saying delivered but not arrived. This dates back two weeks. The retailer won’t contact Hermes but Hermes are saying I need to let the retailer know my package hasn’t arrived - as the contract is between them and Hermes, not me. I am going around in circles. Retailer just says here is the tracking and won’t acknowledge the parcel hasn’t arrived! 🤬   Paid for by credit card. £89. Any advice, please help
    • Retailers and Hermes. I have a parcel that’s saying delivered but not arrived. This dates back two weeks. The retailer won’t contact Hermes but Hermes are saying I need to let the retailer know my package hasn’t arrived - as the contract is between them and Hermes, not me. I am going around in circles. Retailer just says here is the tracking and won’t acknowledge the parcel hasn’t arrived! 🤬 Paid for by credit card. Any advice, please help
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    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
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      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

My Credit File no longer shows my big debts


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I just arrived here to try and work out what is happening to me, could be the Pandemic is the reason.

 

I have access to Clear Score and MSE Credit Club which I think use the same data, I have been on previous 'free' systems until they closed down.

I used to use them to see how much I still owe, that was useful.  I had a mountain of debt but over last 4-5 years I been getting them down to two left.

 

My biggest one is with Natwest who them let it go to another and then Caboot.

It's no longer on my file as of last month, why? I don't get it.

 

The only other change is I got a PPI agent to send letters out and that's all I can think of as I had a payment for Barclays but Natwest I never heard anything.

 

1: Has Caboot Gone?

2: Has Credit Files been somewhat 'paused' while we going thru a pendemic?

3: Do I stop the automatic low weekly payment?

 

 

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once a defaulted date reaches its 6th birthday the whole account disappears.

 

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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who are you blindly paying every week

have you ever sent them a CCA request ?

 

 

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 suspect I will study the latest info as I not been on a site like this for a long while... way I look at it is if I owe something I should pay it back to get my credit in shape.  

Yes 6th birthday is likely, but when you used to look at the reports, you would see it marked as 'default' for each month regardless if paid or not, maybe I am miss-reading as I have been paying and is up to date.  I always presumed that the last month was registered as a default and the six years would be from there.

 

 

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Disappears off your credit file for ever, invisible to anyone, without any evidence that it ever existed on the 6 th anniversary of its default.

 

it stopped affecting your credit score years ago. If you are still paying anything you are a mug!

 

Sorry to sound harsh but it’s true.

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

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forget the calender section no-one bar you and the owner of a debt can see that

its the defaulted date in the debt summary it runs from...

 

so you've been blindly paying DCA's money because you thought paying your debts off improved your score and/or that they have some magical powers and were BAILIFFS, which a DCA is NOT

they have zero legal powers on ANY debt.

 

list your debts, showing or not

 

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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But to be fair DCA’s love to sound and act like bailiffs, and there is zero information out there to say otherwise . Which is why you have been very fortunate to stumble across this site, where we can tell you that it’s an utter and complete waste of your hard earned cash paying those charlatans!

 

As for your credit score , that’s about as useful as a chocolate fire guard. 

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

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No MSE and Clearscore dont use the same Data

 

Credit Karma - Transunion 

Clearscore - Equifax

MSE CC - Experian. 

 

Your milage will vary with each. Go check with all 3 :) 

Also try to get your report direct from Equifax - Its been known for Clearscore to be inaccurate sometimes

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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And don’t sign up for their paid for service . You are entitled to see your online credit report free under GDPR.

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

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interesting.

 

I have stop the weekly payment, will review CCA.

 

I had a look on Karma and similar pattern to the other records I seen.

 

Thank you

 

 

 

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who are you blindly paying weekly and for what?

 

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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