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    • Well stuff and all they can do with only a restriction k  £13k thats one hell of a card debt..   wonder why rbs decided to sell it on ....should they have allowed you to have such a large balance? Were you well solvent at the time? Looks like you were not if you had to pay your mortgage with it for god knows how long to run up £13k..   smacks of possible irresponsible lending to me esp if your credit file was shot with all manner of default s and lots other debt/ lending .
    • 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   
    • Priti Patel reaches £340,000 settlement with ex-Home Office chief Philip Rutnam "Priti Patel has reached a six-figure settlement with a senior civil servant following claims that he was forced out of his job for intervening in her alleged bullying of fellow staff, it has emerged."   https://www.theguardian.com/politics/2021/mar/04/priti-patel-reaches-six-figure-settlement-with-ex-home-office-chief-philip-rutnam   Now Johnson needs to explain how and why he over turned the assessment on her breach of ministerial code https://news.sky.com/story/boris-johnson-rules-priti-patel-did-not-breach-ministerial-code-over-bullying-allegations-12136986
    • So the CCJ is coming up to its sixth anniversary...hence the flurry of activity. Debt assignment even ones with a CCJ attached when sold or assigned....the transaction does not become complete until you have acknowledged or paid the new owner making them the legal owner.   Therefore they are desperate to get you on board with some kind of payment arrangement before it hits that  6 years period since the CCJ was given.   An action cannot be brought on any judgment after the expiry of 6 years from the date it became enforceable. The term “action” only applies to the commencement of fresh proceedings on a judgment, it does not include enforcement proceedings so, strictly speaking, for enforcement purposes and enforcement proceedings, no limitation period applies. However, any delay in enforcement on the part of the judgment creditor will affect any award of interest as recoverable interest is limited to 6 years on a judgment that is executed after the expiry of the 6 year period. Court permission is required to enforce a judgment debt that is more than 6 years old. In a particular case of Warrants of Execution, these must be renewed after 12 months if they have not been enforced. Further, the court is entitled to take account of delay and enforcement when exercising its discretion to grant any Order sought.       .
    • Already covered whether they should in my post #5 link...and no its not a telephone issue...its a service company exploiting its customers with a premium rate phone support contact number.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • 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
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

I won! Oh and there's an article in the paper about it!

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congratulations :)

LTSB -claiming back WON!!!


Mint credit card - WON!!!


Morgan Stanley credit card - WON!!!


LTSB credit card - MCOL issued WON!!


Barclaycard - MCOL issued for balance of partial refund 200.00


Gorvins Solicitors - WON!!!

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Well done Nena and excellent publicity.

Have a Happy Christmas:D





Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL


What poor education I have received has been gained in the University of Life

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