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    • I have just received a non mol and the judge who signed it daughter works for the solicitors who applied for it and he also use to work for them I belive he was a partner in the practice  Is that not a conflict of interest? 
    • Hi, we had a council tax debt that was settled in full with our council back in July. However the bailiffs are continuing to pursue us for their fees.  We had an initial incident where the first bailiff had no ID and stated he was from the council and needed to inspect our house (council house). My partner let him in and he started listing items at which point my partner questioned who he was and he then told her he was from Rossendales reference outstanding council tax. After a discussion she set up a payment plan and he left. Things went on and we missed 1 payment, we rang them and explained and they said it was fine if we can pay double the following month to catch up. We agreed but before that date arrived we had a doorstep visit. It all became silly and stressful, i spoke with Rossendales who just were not interested and so rude its hard to not get agitated and stressed so I took out a loan and paid the council directly. I paid the entire debt with them. This did not include any bailiff fees. I logged an official complaint with Rossendales over the conduct.  It transpires that the bodycam from the initial visit was miraculously unavailable and also no complaint was logged by Rossendales, however there are notes on our account regarding the complaint!! With the virus etc I guess this has delayed their action but today I received a phone call saying I have to pay the council tax debt now or they will remove goods tomorrow. I tried to converse and explain what had happened and was shut down, the agent said he wasnt interested, either pay now or I'll visit tomorrow to remove goods, every time I tried to speak, he spoke over me so we got nowhere.    I'm at at a complete loss as to what to do, I cannot raise a complaint with them without evidence and they're not interested in anything other than causing stress and trying to obtain money or goods.   Please can anyone offer advice, do I just need to pay their fees, even with their conduct? Can they still charge fees for a settled debt? What if they do visit? What can they do and what can I do? 
    • Sar from PRA group arrived today, it includes an Account Financial history statement showing payment on 29/12/15. They also included a copy of the credit agreement with my signature.
    • To make next year's GCSE and A-level exams fairer after all the breaks in learning for students the DfE have announced a range of measures to support young people taking exams in 2021. View the full article
    • That looks good, you only need a short defence at this point.   You could stick a bit in about them inflating their claim to try to circumvent the small claims limit on legal fees and this is an abuse of process.   I've just read the thread from the start and am still not sure about your point (3).  Is it right that it was a hire car and only you were named as a possible driver?
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Can a pulled mortgage hard search be removed from report?

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Hi all,


Just doing my regular checks on Experian and something that has been getting on my nerves is standing out.

In Feb, we were going through a remortgage process ready for when the term ended in July via a broker.  This was with Barclays, everything went through as far as a AIP/DIP and then Covid/lockdown happened.  As a result, a number of mortgages were pulled by Barclays including the one we were going for.

Was not much of an issue in that we got another one via HSBC at a much lower rate so all in all, it worked out much better for us.


The Barclays hard search is still there and it's annoying me - can this be removed?  I would be fine with it had it been me who pulled out but I don't see why an otherwise perfect record should have the Barclays search on it if they decided to pull out.


Thanks all

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goes in 12mts and can't hurt 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... 

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@dx100ukis right and even so - A Search doesnt reflect anything whether you were approved or decline. If youve had 1 search in the last 6 months, Then you dont need to worry :)



We could do with some help from you.


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Receptaculum Ignis


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Thanks both - Just did not want them to have the satisfaction of tarnishing the record even if it was for 12 months :)

I'll wait it out - only 4 months or so to go


Thanks again

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