when I got the letter from the debt collection agency I told them straight "see you in court" as no court in the land would side with Farce4
3 months later haven't heard anything since
3 months later haven't heard anything since
I informed the company that I was in dispute with Farce4 and did also say I was willing to go to court, so from then on the ball was in there court, my credit rating cannot be touched as only court orders etc can put a mark on your credit ratingIf you intend to withhold payment of any fees a company claims you owe and have a legitimate reason for doing so, then you should write a formal letter of complaint to the company, clearly and concisely explaining your reasons for disputing the payment.
With an ISP you can ask for a deadlock letter to allow you to immediately take the dispute to their Ofcom approved arbitration service (farce4's is cisas) this is completely free - well I think if CISAS accept your complaint warrents investigation, their fee actually runs to several hundred pounds, but this is picked up entirely by the ISP and their descision is binding on the ISP, but not on you. If your ISP decides not to provide a deadlock letter then CISAS will probably require you to wait 3 months before they'll accept your complaint for investigation to give the ISP a fair chance to settle your complaint. http://www.cisas.org.uk/Guidance_Notes.asp
I'm no lawyer so you should check, but I believe while a payment is in dispute the company can't send in dept collectors or affect your credit rating. If you dispute is legitimate and you have evidence to back up your claims then hopefully CISAS should find in your favour.
That is illegal. The only way a member of your family can affect your rating is if you have a joint financial product with them - only then can a link be drawn between them and you.also family can as well... my uncle has been banned from having a bank account because he kept on spending (he didnt and still doesnt know the value of money, if its there he will spend it) in any case lve done nothing to mess mine up but lm refused credit anywhere even tho lm good for it, and it was commented on by the bank when l queried it that sometimes they take into account the history of other family members.
You're quite right. For example, with a credit card or loan, any missed or seriously lte payments are noted, and are visible to any company that reviews your file, and they will make a decision based on that file.tcib said:Hiya, I don't know if that is entirely true. I believe that late payments can also effect your credit score. I could be entirely wrong though.
heh not if you consider the fact that his debts are running in to 10,000 he also has the tax guys after him now because he was working while on jobseekers he has missed 5 car payments, the stupid thing is he was allowed to get into this state that and borrow to such extremes. the sad thing is my granny has lost half her furniture to debt collectors because he was registered as living at her address.. all l can say is pretty much most of my family has been refused credit, and none of us have done anything to the extremes he has.That is illegal. The only way a member of your family can affect your rating is if you have a joint financial product with them - only then can a link be drawn between them and you.
Try getting a copy of your reports from Experian, Equifax and CallCredit - it costs about £2 or £3 each, and that will list all the entries on your file. I guarantee that none of them will relate to anyone in your family unless you have a joint financial product with them.
I had trouble getting a credit card a while back, and I found out it was because netiher me or my partner had much debt or had missed any payments, so there wasn't any money to be made from us. Not because I was financially irresponsible in the past.
It is the unfortunate side effect that most credit scores take the whole of the address into account. Sorry to hear your story.the sad thing is my granny has lost half her furniture to debt collectors because he was registered as living at her address.. all l can say is pretty much most of my family has been refused credit, and none of us have done anything to the extremes he has.
late payments can affect but only if there have been loads however it is negligable to cause serious dents things like CCJ's etc, and that was the point i'm getting atHiya, I don't know if that is entirely true. I believe that late payments can also effect your credit score. I could be entirely wrong though.