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    • Hi there I was hoping for some advice.   Last year I hired a kitchen fitter to fit my kitchen. I paid him £100 deposit and he began the work. I left the country on holiday and my dad was unhappy with the quality. He’d rushed and some screws had left marks on the other side of the wood, he’d put some draw runners in upside down and in the wrong place. My dad asked him to assemble a drawer as proof of skill. The fitter did this and then declined to continue the job, citing humiliation / embarrassment and not wanting to continue. At this point they had assembled half of the carcasses (kitchen units) in half a day and left.   He said he wanted a further £150 to match his day rate for the work he did and as per his T&C’s (see below). I’ve refused on the grounds of insufficient care and skill.   This is now going to mediation with the possibility of it going further. He claims if it goes further he will go for the full amount of the job as per T&C’s of a further £850. I feel £100 is a fair amount for the work he did and don’t want to pay anymore.   Furthermore, our initial conversation over Facebook he stated the job would be “£950. £850 if the carcasses don’t need doing” this would suggest, to me anyway, that he values the carcasses being made is worth £100, which he has been paid, even though he and his employee did half.   Where would this likely go if it couldn’t be solved with mediation?   What is the likelihood this would be ruled in my favour?   And how much chance does he have of getting a further £850 for one days work after initially asking for £150?!   His T&C’s do state that “if work is then fully stopped due to a disagreement no deposit will be refunded and seek £250 for the stop of work” is that even legal? As well as his suggestion the work done was worth £100   Thanks in advance.
    • Credit Strategy is launching a new, regular survey to gauge signs and activity of the car finance market’s recovery, and the levels of optimism, as the market recovers from a historic low in April View the full article
    • Yes, to CEL, using snail mail again, again getting a free Certificate of Posting.  How about something like:   "Dear Ashley,   Re: PCN no. XXXXX   cheers for your LBA.   If you'd bothered to look at the photos of the vehicle in question you'd have seen the registration number is XXXXX.  I have never owned or driven such a vehicle.   The £9.99 ANPR cameras you buy second hand on eBay have confused this registration number with my vehicle XXXXX and as you're too bone idle to do any checking my time has been wasted sorting out your incompetence.   If you want to take me to court regarding a vehicle you know full well isn't even mine then fine, go for it, I'll enjoy thrashing you and claiming unreasonable behaviour costs under CPR27.14(2)(g)".   However, hang on for 24 hours to see what others think, there are Caggers who have years & years of experience with CEL.
    • Yes, I cancelled it in my mobile banking App.   Thanks
    • Thank you, I agree there should have been an application sent out.  It might be in the post but this is too late, technically court should be communicating by email now.   I will have to email the court as phone line is not an option.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
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Three defaulted account

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I recently have been trying to apply for a loan and have discovered I have a defaulted account with Three from 2016.

After some confusion, it turns out that it is from when I was a guarantor on a phonebill for my ex-girlfriend 4 years ago.


As far as I was aware, all payments were made and on time.

I have contacted Three about this and they have stated that there aren't any payments to be made. 


My issue is that I haven't received any emails, phonecalls or letters about the payments, ever.

Yet it is still a defaulted account which is having a big impact on my credit score. 


Am I still at fault, as I haven't had any contact about the payments being late or owed?

 Is there any way to get this removed? 


Any help or advice would be much appreciated. 

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so at some point she must of had payment issues and they came after you as guarantor, and because they didn't have your correct details, they went to whatever address was correct when you guaranteed payments.


not much you can do sadly.


a single default should not harm anything really.

me thinks the loan co don't want you imho.


who and what for?




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, DCA;s would collapse overnight.



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Yes I later found out she has had payment issues, but the address they have is my parents address so I still would receive anything they sent to me. They 100% have never sent anything to my address, and I've had the same mobile number for about 11years and ive never received a phone call either, same email address too. I have never received any form of contact. 


Well the single default has dropped my credit score by around 220 on Experien. 


I wanted a loan of around £7000 for a car. Confused and the like have only suggested like 50% APR loans. I tried to go through RBS who ive been with for 11years, and they declined me for poor credit. 
I have had loans and rent/bills, that have all always been paid on time. I have never missed a single payment, yet this defaulted account has hammered my credit rating :(  

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you'll only ever be poked to people like moneybarn etc that are all +40% via most online site.


have you had any running credit in the last few years?

i've had none and that killed my score just as bad as a default would.

they cant see you can have money management skills bar the default.



the other thing to remember is covid is killing credit approval too and ofcourse they can use the poor rating excuse.


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, DCA;s would collapse overnight.



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