you hope sb date = it must be removed....
holding off for a few weeks to see if they have compliant CCA's could save you £1000's.
if they haven't - then that will be the same very much cheaper hoped for result.
I know but I could pay all my debts that are AP markers in the next 2 months then they are defiantly gone 6 years from then instead of fighting to default
-and can PRA default me as a DCA?
Hmm in a quandary.
I am not going to pay them This month and instead wipe my virgin card
I am then only left with the 2xPRA group debts at £1300 each with AP markers and the rest AP marked are gone.
I’ve just reopened my complaints to MBNA, Virgin and Sainsbury’s for not defaulting my accounts.
If I don’t get the correct decision this time I am complaining to the ICO
paying anything off does not remove markers or defaults. nor improve your score.
as said numerous times before
poss your best idea might be to totally stop paying all debts with AP markers being registered
then when it is defaulted resume if they've complied to a cca request and we've checked it.
that way atleast you're are guaranteed in 6yrs the debt will vanish from your file
Well yes because from true SARS info I got from Halifax (where my Link loan debt come from) I’m pretty sure Halifax have the CCA so don’t understand why Link haven’t sent it me, maybe it will come.
Im in a quandary with my two PRA group ones as these aren’t defaulted and putting AP markers on my account so wrecking my credit file if I don’t pay off, I wonder if they have become wise not to default now that’s why some companies aren’t
Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
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.
I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
I did and they took me upstairs.
I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
I offered to pay for the goods but the manager said it was too late.
He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
The cost of the items was about £40.
I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
I feel terrible. I have to declare this to my employer and NMC.
They kept me in a room on my own with 4 staff and have banned me from all stores.
The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
I’m so stressed,
can u appeal this or should I just accept it?