Jump to content


  • Tweets

  • Posts

    • Good morning CAG team,   Firstly, want to start by saying what a fantastic resource and collection of knowledgeable people you guys have created here. You guys helped me around 2008 to reclaim my bank charges and since then I have been on top of my finances.   I had debt issues as a youngster (now 40) due to lenders pretty much throwing money at people back then without any concern as to whether it could be repaid, I managed to get myself out of that debt by repaying it and have since maintained a fantastic (900+) credit score.   As much as having the great credit score is a good thing, it comes with it's own risks (ability to borrow ludicrous amounts of money) and I've fallen foul these last 24 months to a point where I am now desperately concerned about my situation, made worse by being served my notice in my current employment.   During 2018 I started to run up my debt as I borrowed to help friends and also my Mum having health issues that were not being cured but simply managed by the NHS, I forked out for multiple private sessions hoping to get her some relief, all with a view of repaying as I had always done, I've always paid my debts since leaving school. This borrowing continued into 2019 with house repairs, car issues and on and on, wife gaps in employment etc. The debt has been affordable for me upto now as I've a reasonably well paid job, however that has now come to an end and I leave that employment in 3 months time. With only 3 paychecks remaining and no jobs that will match the salary available I find myself in a very stressful situation of needing to plan ahead and I need your guys' assistance for this.   None of my accounts are in default nor had any missed payments on my credit file, all debts were taken after the start of 2018.   I have 3 loans: Tesco Bank £8600 remaining MBNA £4350 remaining Halifax (my current bank account provider) £13,000 remaining   I have 5 credit cards with remaining balances: Tesco Bank £8750 M&S Bank £9100 MBNA £11000 Virgin £4000 Halifax £2800   This is a ludicrous amount of debt and I'm disappointed I didn't see this earlier, as although it was affordable on the salary I have been earning, it is not affordable on a market rate salary for my trade and given recent organisational changes at work, I will no longer be gainfully employed.   I have seen some quotes for secured loans and additional mortgage with my current lender (a dual mortgage that runs in parallel over 25 years) to cover the debts, all of which are extremely expensive and leave me potentially vulnerable to losing our family home in the future if for any reason we are unable to pay, which given our mental health and children's age, is not an option we wish to pursue.   I need help on how best to approach these debts and welcome your advice. Part of me wants to default all of them due to the amounts however I'm not sure where this would lead long term, we live in our own home with a mortgage and equity in the home would just about clear these debts if we were forced to sell however that is a last resort for us.   I feel unclean and disappointed I am at this point given my age and wish for this to go away as q    
    • Hello, welcome to CAG.   I think we may need more information in order to help you.    Are you saying that Aviva shouldn't make you pay because of the deception?   It's not clear how your brother set up a policy and kept you out of things. I have to say that I would be more annoyed with my brother from what you've said so far. Did you involve the police? Best, HB
    • Note: Language hinted at which was tasteless and unreasonable even in a bygone era   Overheard - A right bozo with untidy hair discussing woke: Of course I know what it is. Its where the BBC make a drama about Henry VIII and his court, where the star player in the court is a 6 foot plus, athletically built pican.. afro-American Count with dazzling pearly whites, looks of a movie star and  'build of Lynford the lunchbox. He also speaks wisdom in a tastfully mixed blend of Afro American accent overlaid with 1990s oxford English and manipulates and confounds the small, snaggle toothed feeble minded and feeble bodied pasty white folk in the court with ease ... and of course has all the women swooning at his feet at the slightest glimpse of his broad chest with its well trimmed hair let alone any of the other weapons he packs ... and they say I rewrite history   Mind you, it proves my point that slavery is a myth - we never enslaved them, quite the opposite - us white folk have only recently started to gain our freedom after hundreds of years of their manipulation and rule across the courts of Europe and we need to work hard to ensure that liberation of us poor etonians isnt quashed. Lets us them to justify our report. We better renew the Telly Tax err licence fee to make sure theres more. Should we make them compulsory history viewing in schools? What do you think Dom ... err Dom, where are you? He must be watching the footsieball - whos innings is it?  
    • We sent this to the ombudsman citing their own guidance for business -   I can state that following discussion with Miss X we do not agree with the outcome.   The FoS guide for business contains the below and we would like this considered in relation to our complaint, specifically the sections 'we've been told by some trade guides that generally cars are selling at or close to advertised prices' and 'Adverts may be helpful... if they strongly indicate that the guides could be wrong'.     We are informed by persons within the motor trade that the impact of the pandemic on the industry has resulted in an increase in demand in the second-hand car market and has meant cars are indeed selling for close to advertised prices. I would therefore argue the trade guides are not aligned with the current and fast changing economic situation and are not a reliable source to gauge fair market value. Further, E-sure failed to consider evidence from advertisements despite our request and your clear advice to do so.
    • The new Credit 500, an index of the most influential people in consumer and commercial credit in 2021, has now been published in full View the full article
  • Recommended Topics

  • Our picks

    • 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
      • 32 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
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
  • Recommended Topics

  • Recommended Topics

Defaulted credit on file from British Gas, BT and Lowells - HELP :0(


Recommended Posts

Hi guys 

 

First post so apologies if I've made any mistakes on posting location or if this information if held in a general file location.

 

I have been declined a Mortgage recently based on defaults on my credit file that I genuinely didn't know anything about (details below) 

 

  • British Gas - Defaulted in July 2019 owing £1,871 and £992 (settled Oct 2019) 
  • Cabot – Defaulted Sept 2017 owing £330 (settled July 2017)
  • Lowell – Defaulted May 2018 owing £79 - 
  • Bt Consumer – Defaulted Feb 2016 owing £34 - This one isn't even in my name! 

 

I was looking to see if anyone has a process or maybe letter templates for challenging Defaults and ultimately getting them removed from credit file?

 

I have spoken to a credit repair company who are looking to charge me £250 per Default to have them removed, however I would prefer to try and challenge these myself however have no idea where to start. 

 

Any help appreciated. Happy to make a donation to the running of the site too if anyone can assist.

 

Many Thanks 

 

Link to post
Share on other sites

You cant get defaults removed

dont get scammed.

 

they would have been registered by the original companies before or upon sale.

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
Quote

I have spoken to a credit repair company who are looking to charge me £250 per Default to have them removed

 

:behindsofa: They cant be removed......but they can only be on your file for 6 years.

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 The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites
19 minutes ago, dx100uk said:

You cant get defaults removed

dont get scammed.

 

they would have been registered by the original companies before or upon sale.


Thanks for your feedback.

 

Is there a recognised process that you’re aware of to challenge these Defaults? 

21 minutes ago, Andyorch said:

 

:behindsofa: They cant be removed......but they can only be on your file for 6 years.


Thanks for your feedback.

 

Is there a recognised process that you’re aware of to challenge these Defaults? 

Link to post
Share on other sites

probably one of the freeman of the land 3 letter syndrome twaddle companies that have been popping up on facebook of recent.

 

there was a rather large d-live conversation resulting from one of them if you followed the rabbit hole links on facebbok whereby the two main protagonists behind most of the adverts in various fake company names  claimed they had got the rankines case over thrown and you could now win by following the old twaddle. it got removed over xmas.

 

as for dealing with the defaults...1st i hope you've not settled these to DCA's have you?

 

if the defaults were a true reflection of the way you operated the accounts (bar the one you claim in not yours...more later) there is little you can do sadly, though appealing to the better nature of the original companies whom registered the default sometimes works esp if you settled the debt with them not a DCA.but why would they have sold it if you'd settled the debt. sadly i think you've been had blind if you've paid any DCA anything .

 

as for defaults preventing a mortgage

got to a proper broker that knows his onions, 

2 are settled so shouldn't be of an issues

1 you say isnt your ...tell us about 

one is with lowells now and unpaid...whats was the debt and with whom.

 

we have known people to get a mortgage with 5 defaults here all from 2018/9 period without having to get done over by a high rate of interest.

in this current climate it should be easy now to get a mortgage...

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 for the info...


I’ve not had any dealings with any DCA’s and I’m a little perplexed with some of these. British Gas for example I’m still a customer, never had a default notice, never signed a credit agreement but did change from Direct Debit to pay as you go smart meter in 2019. 
 

Cabot - never had any dealings with this company and never heard of them before yesterday! 
 

Lowell - I’ve found out today this was sold on by O2 (old Mobile phone) but I have asked Lowell that if I pay the outstanding balance will they remove default. Awaiting a written response. 
 

BT - No idea what this one is! 


Any help appreciated 👍🏼

Link to post
Share on other sites

Gas is not credit so no requirement for an agreement nor DN

Cabot -' settled debts dont get sold on...

 

 

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
Posted (edited)

And even if you handed over your hard earned to losers Lowell they CANNOT remove the default, ALL they can do is simply mark it as satisfied.

 

In essence, DO NOT pay them a single penny, of course they will tell you the complete opposite, just to mug you off and use your money to buy some chocolate biccies.

 

Have you got a copy of, or looked at your credit file?

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

Lowell have removed the default and it is no longer showing on my credit file
 

I found some useful info on another forum to raise a complaint with Lowell , request default removal to resolve the complaint and they did it. Removed it completely and I never paid them a penny - result! 
 

When raising the complaint I told them that I would be requested a copy of the original credit agreement and a copy of the original default notice from O2. 
 

Lowell advised;

 

I write further to our telephone conversation earlier today.

 

Thank you for your recent contact and for letting us know about your concerns.

As we discussed, the above account is now closed with a zero balance. I have also removed all information pertaining to this account from your credit file. Please allow up to 10 working days for these changes to update.

I am sorry that you were unhappy with the service we have provided and I hope that we have now resolved the matter to your satisfaction.    

The Dispute Resolution Ombudsman also provides a dispute resolution service to assist customers who feel their complaint remains unresolved. 

 

You have the right to refer your complaint to the Dispute Resolution Ombudsman, free of charge – but you must do so within 12 months of the date of this letter. 

 

If you do not refer your complaint in time, the Ombudsman will only be able to review your complaint in very limited circumstances. for example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

                                                                                                                                                            

For more information on their services, you can visit their website at ...removed.

 

Please let us know if you would like a copy of the Dispute Resolution Ombudsman leaflet sending out by post. 

 

Yours sincerely

 

Keith Jeffery

Customer Relations Officer

 

Link to post
Share on other sites
On 04/03/2021 at 18:45, jinky022002 said:

Cabot – Defaulted Sept 2017 owing £330 (settled July 2017)

 

On 04/03/2021 at 19:52, jinky022002 said:

Cabot - never had any dealings with this company and never heard of them before yesterday! 

 

so onto the next one...

 

 

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 can get a mortgage, and with far far worse problems than you on your Credit file. You need to find a good broker!

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

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...