Jump to content


  • Tweets

  • Posts

    • Great thanks! I have refined it -    ‘Dear Prosecutions Manager,   I would first of all like to start my response by saying how deeply sorry I am. I realise my actions were wrong and it is in no way representative of how much respect I have for Southeastern and their staff. I am remorseful about the poor decision I have made. I’d like to try and explain my circumstances at the time I evaded my fare.   I have recently returned to work but I have been on reduced pay for a while due to COVID-19 which led to me committing the incident mentioned. Additionally, I have been under stress as both my parents have been diagnosed with long term illnesses during the pandemic and I have been concerned about travelling and exposing them to COVID-19. Although I don’t live with them, they have been reliant on me during the pandemic to collect shopping, medication and support them throughout hospital and doctor’s appointments. The extra pressure has taken a toll on my mental health and I have consequently made a careless choice.   I was so ashamed of myself when I was stopped by the Revenue Protection Officer and since then, I have ensured I have paid full fare for every journey I have made. The consequences of my actions have weighed heavily on my mind since.   I am concerned that a possible prosecution would ruin any future employment opportunities and I would really like to settle this out of court with a contribution towards the administration costs as compensation for my actions. I am regretful of the extra pressure and inconvenience caused to all involved and would like to make amends.   I’d like to end this letter by saying that I understand the gravity of my actions and will never travel without a valid ticket in future. I thank you for taking the time to read my response and I appreciate any leniency you can show in this matter.’
    • Hopefully this has done it, thank you for your help   Evergreens.pdf
    • In 2016 my business was subject to a fraud regarding a Rolex watch which we had taken in as part exchange from a local and well known customer. We took his steel Rolex and he paid a few thousand £s extra and bought a pre owned gold one from us.  Having bought his watch, part of the deal was we would not sell it until he returned from over wintering  in Australia after a few months. Upon his return he was planning to either part exchange the pre owned gold one back and buy a brand new version of it,  or he might like to simply  buy his original one back.  The watch therefore sat in my safe for nearly a year. At which point we attempted to contact the customer only to find his obituary. He was ill before he travelled so we suspect he knew he might not return.   It was a few weeks before Christmas so we put his (which was now ours) watch in the window (as it was) to sell and sold it within a few days. Had it not sold before Christmas we  would have sent it to Rolex for service and refurbishment, and subsequently offer it for a higher price in the spring (Rolex would also have identified it as fake). Two years later the customer that bought the watch returned it quite upset after he had sent it to a national watch buyer to sell, but was told it was a high end counterfeit (ie not your $20 Chinese throwaway, but one purposely manufactured to deceive).   After some checking ourselves, we refunded the customer and spoke with our insurers.   Our business insurance provided all risks cover with a few exclusions (terrorism etc) and was a very well known policy that many/most UK retail jewellers take up. Indeed we had held the policy for many years.  Fraud is an insured risk.   It is my view that a customer selling us a fake watch is a fraud. The broker enquired with underwriters and they have said it is not covered. I am not satisfied and have asked the broker to send me the wording of the policy so I can read the exclusions. I am told they have searched their archive but cannot find the policy so cannot send it to me. They have asked me if I have my copy? I haven't found my policy document either and fear I threw it away upon renewal. But wonder, if I do keep looking, whether it would be a good tactic to let them have my copy. We have been renovating the house for a year and the attic is absolutely chock a block with stuff, a thorough search through the old books would take a week or more.  I have suggested if they cannot find the wording sold with my policy they should settle the claim. Clearly they cannot reject the claim without the wording? It sounds odd to me that they even need to retrieve the policy to find the wording.    I am quite certain a claim for fraud is an insured risk. I guess somebody has to judge whether the transaction was fraudulent first though. I am quite happy to issue a summons if the insurers reject my claim by trying to suggest the risk was not covered (unless it obviously isn't), which is why we need the wording.   Comments and a strategy would be very useful to understand whether or how to proceed. The claim is for £3500.
    • So let’s say you won’t get more than 1 hour for lunch, so 48Hr/wk is your paid hours. That gives you 2496Hrs/yr at £20k yours hourly rate is £8.01/Hr.    if you are 21 or 22 you should be on £8.36 23 or over takes you to £8.91   so unless you are younger than 21 you are below minimum wage and they are breaking the law if those are the hours you are contracted for. 
    • you read UPLOAD use jpg to redact then convert and merge to PDF.
  • Recommended Topics

  • Our picks

    • Mediator point - Hermes lost my parcel and it is offering just a partial refund of the total amount requested. What's next?. https://www.consumeractiongroup.co.uk/topic/434633-mediator-point-hermes-lost-my-parcel-and-it-is-offering-just-a-partial-refund-of-the-total-amount-requested-whats-next/&do=findComment&comment=5109422
      • 13 replies
    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 33 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
  • Recommended Topics

  • Recommended Topics

Southern Water 2nd Default - same account **RESOLVED**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 207 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

Hi

 

I need some advice please.

 

I have built up a good credit record over the time. In fact, I was in the "fair" zone for credit.

However, I recently applied for a Business Bank account and was turned down because of my credit record which surprised me as I was sure I had a fairly good record.

 

It turns out that I had a debt with my local water company which was passed onto DCA called UK Search Ltd.

 I had an agreement with the water company and I was on time with my payments and I had failed to keep up,  because I thought the payments were complete and I didn't check! - lesson learn there!

 

I approached my water company because the only default I have on my Experian is under their name, and they told me my account is up-to-date, and the debt shows up as satisfied but the lady said to talk to UK Search Ltd because there maybe an outstanding balance with them?

 

My question is:

If I approach UK Search Ltd about this debt to resolve the matter, can they chase me for any other debts that I may have?

I don't know if I have any other debts, I want to avoid opening a can of worm, based on the fact that I have spoken to them on this matter?

 

How should I approach them?

And what else can I do to get this default addressed - I know it will stay there for 6 years. - Thanks for reading!!

And Thanks for answers!

Link to post
Share on other sites
  • dx100uk changed the title to Water Company Default.

stuff and all to do with UK search.

 

since discovering the default you have now bought the AC upto date having missing a payment at some point which resulted in a default being registered?

 

your story is confusing .

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

It might be helpful to know which water company you're talking about as well

Link to post
Share on other sites

Please add this to the above which was not clear - Sorry about this

 

It turns out that I had accrued a debt with my local water company, Southern Water, as I failed a repayment with them, and they  passed  the debt onto DCA called UK Search Ltd.

I approached my water company  and they told me that I have two account with them. Why? Because the old account that had debt was closed  after the debt was passed on.

My new account is up-to-date, and there in an entry on the new account which shows "default satisfied" . The lady on the phone thinks that I may have had another default on the new account but that that got satisfied - due to them realising I was paying on time. For the old account which is closed, there maybe a debt but I had to talk to UK Search Ltd because there maybe an outstanding balance with them?

Link to post
Share on other sites
  • dx100uk changed the title to Southern Water Default - shows as satisfied, but told to contact UK Search to check..

the simple answer is you never ever contact a DCA.

theres nowt they can do to you anyway.

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

 

Then the default stays?

What if I can pay the default amount which is £700?

 

I feel why you say not to approach them.

They are not a nice bunch and I have read so many stories involving UK Search Ltd.

Link to post
Share on other sites

you can't remove a default by paying it off no

it's there for 6yrs as a true reflection of how you operated an A/C.

 

however, it is sometimes worthy to try and see if you can also negotiate it's removal by payment.

no DCA has any involvement ever, as they can't default you

only the original creditor can default you.

 

is this actually showing in the summary status of the debt, not simply a D in the calendar section which only you and the debt owner can see anyway.?

 

 

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

You are raising some interesting facts - let me check and get back to you.

I asked the Southern Water lady if I paid the amount can they remove the default or show it as satisfied and she said no? 

Link to post
Share on other sites

phone jockey's have nothing but scripts.

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

Good old Southern Water.

 

Yep as DX says, once they marked your credit file, there it sits for six years, even if you pay it and they mark it as satisfied it won't make a jot of difference to lenders as the computer will always say 'no'.

 

What date did they add it?

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

The date is November 2019

 

On the Experian site, it is showing under the "Understand you score" section with a score showing to the right.

 

On Adverse events, it is marked as "High risk"  and time since last default 10 months.

 

Though under moderate risk, I have Total rolling debt and accounts with a current balance : BOTH OF WHICH I CAN'T RECOGNISE?

 

Link to post
Share on other sites
  • 2 weeks later...

It looks like the original default was dated of November 2013, this is when I just had a stroke, and went behind with my bills.

 

Southern Water sold the debt to UK Search Ltd who went ahead put a default straightaway.

Then in 2019, last year, UK Search Ltd  renewed that default prior to expiring.

 

I am assuming they have bought the debt so they want some money.

I haven't approached them at all. I am up-to-date with Southern though,.

 

As UK Search Ltd expect to get something from the debt, they renewed the default and will probably keep doing this for the foreseeable future.

 

I am assuming they can do this -  renew the default endlessly so it is within the 6 years and stays on record?

 

If I approach UK Search Ltd and offer to pay off, can they remove the default? I am unsure here as I have read that whichever company that recorded the default can actually remove it?

 

This default didn't show up on Experian credit report, prior to Nov 2019 - but suspiciously was started at the same time as the old one from 2013 was about to expire?

 

This is affecting my ability to get a job.

 

This is stressing me out so much now. 

Hope for good folks here to help me find a way out. Thanks.

 

Can  i get Southern to show as satisfied as it is showing that on their system?

Link to post
Share on other sites

no UK search are a DCA, their letters say our client southern water.

SW have done the defaults and are thus your target.

 

the debt must be removed from your file on the defaults expiry (it's 6th birthday) they cannot redefault you to keep it again on your file another 6yrs,

the ICO rules are quite clear on this.

 

so the debt should NOT be showing now.

 

 

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

Thanks Dx.

 

Had a chat with Southern's resolution manager and he said that Southern did send in January notes to the credit companies to say that the default has been satisfied. He said the credit companies haven't updated their records? Why wouldn't they? I have asked him to send the notes again to all the credit agencies. 

 

My worry about this default is that I have applied with American Express,  and they do as per their email: candidates  will be required to complete a Background Verification Check before starting. This includes a UK criminal record check via DBS (Disclosure and Barring Service), and we are required to verify your identity as part of this process

 

Probably the default will show up and this could be the end of my application!

Link to post
Share on other sites

eh?

defaults are not criminal...

CRA file providers don' t place or remove defaults 

they allow creditors to direct access to be able to do so

sth water can remove them themselves, 

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

Doesn't the Background Verification Check include credit checking?  I have asked Southern since my account is right bang up-to-date would they consider removing the default, and they said they can't?

Link to post
Share on other sites

All references to a defaulted debt must be removed from your credit files after 6 years 
has passed from date of default, whether paid off, paying now or not. 
.
{the WHOLE ACCOUNT WILL VANISH, never to return}.
.
{however, this does not mean the debt itself is not still owed
consider a CCA request.}
.
This is so that someone who continues paying something 
- even after 6 years from default 
- should not be at a disadvantage to someone who pays nothing after default 
and ends up with a clean file after 6 years. 
.
NOTE: {the bracketed text is not Information Commisioners Office guideline but my advise]
 

4 hours ago, Munirs said:

It looks like the original default was dated of November 2013,

 

which means +6yrs is nov 2019, 

 

the ico clearly state:

 

All references to a defaulted debt must be removed from your credit files after 6 years 
has passed from date of default, whether paid off, paying now or not. 
.
This is so that someone who continues paying something 
- even after 6 years from default 
- should not be at a disadvantage to someone who pays nothing after default 
and ends up with a clean file after 6 years. 
.
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... 

Link to post
Share on other sites

So the law says after 6 years, a default must be removed. Yet Nov 2013 default is registered and from Nov 2019 default  under the name of Southern Water appears?  Did they register a new default then? On the anniversary of the removal of the old one, they register new one? Something isn't adding up...

Link to post
Share on other sites

no the governing authority over credit files ...the Information Commissioners Office 

and again it doesn't say the default must be removed after 6yrs, it states ALL REFERENCES to a defaulted debt , i'e the WHOLE account must be removed.

 

it should not be showing, so it matters not if they default it again...it's GONE.from your file

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

Is it possible that the credit company just failed to remove the default?

How can this be verified?

 

Southern say their records show default as satisfied and they have asked the credit company to show the default  as satisfied in January and they say they can't remove it?

Link to post
Share on other sites

jan when?

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
18 hours ago, dx100uk said:

no the governing authority over credit files ...the Information Commissioners Office 

and again it doesn't say the default must be removed after 6yrs, it states ALL REFERENCES to a defaulted debt , i'e the WHOLE account must be removed.

 

it should not be showing, so it matters not if they default it again...it's GONE.from your file

 

so as above.

they cant default a file when it should not even be showing.

 

WRITe to SW give them 14 days to removed the file else you will be complaining to the ICO and Ofgen and seeking Financial Compensation 

 

 

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

Spoke to the Southern customer service via twitter, and they said  they can't remove the default and it will stay there on the file for 6 years. There is nothing they can do. However they said it will show up as satisfied.  Problem is on the main page it shows a default and you need to drill down and go  a specific page before you see the words satisfied and also even though it is marked as satisfied, it had an impact on my credit as the rating has gone down.  There is this feeling of corporate wall in front of me!

Link to post
Share on other sites
  • dx100uk changed the title to Southern Water 2nd Default - same account **RESOLVED**
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...