Looking for anyone with dealings or knowledge of woolwhich lending criteria. Situation is we currently have an off set lifetime tracker (0.03 above base) mortgage with woolwich at the moment soley in my husbands name. We are looking to move but porting the mortgage to keep the deal we have and will need to borrow additional to buy the new property, I now need to be added to the mortgage so my salary can be taken into account for the additional borrowing, but I checked my experian report and it shows 2 settled defaults one egg credit card £1800 which comes off June this year (defaulted June 2008) and one for o2 £280 which comes off next year (defaulted Sept 2009) with a score of 770-fair section My report shows other satisfied credit paid off and closed with no missed/late payments on them, I have a dfs 12 month 0% sofa loan £316 left finishes june this year, no missed/late payments and a Halifax credit card balance £1860 which is close to its limit but make the minimum payment every month with no missed or late payments so my total owed is shy of £2200 but I'm at 97% of my available credit based on my credit card balance, pay more off I know didn't realise how it effected credit scores until now . I earn £22k take home with minimal outgoings, £600 give or take monthly, our LTV will be 68% Now, woolwhich lending criteria says Adverse credit as detailed below must be declined: Any unsatisfied CCJ and/or More than 1 satisfied CCJ and the latest is registered within the past 3 years and/or Satisfied CCJs totalling more than £200 and the latest is registered within the past 3 years and/or More than 3 satisfied defaults* and the latest is registered within the past 3 years and/or Satisfied defaults* totalling more than £200 and the latest is registered within the past 3 years and/or Any outstanding default, irrespective of amount. *Includes partially settled defaults Does that mean because my defaults are over £200 I will be declined, or the fact they are over 3 years ago am I likely to be ok? Thanks

I'm not sure where I should post this if I need to move it to another part let me know please Looking for anyone with dealings or knowledge of woolwhich lending criteria. Situation is we currently have an off set lifetime tracker (0.03 above base) mortgage with woolwich at the moment soley in my husbands name. We are looking to move but porting the mortgage to keep the deal we have and will need to borrow additional to buy the new property, I now need to be added to the mortgage so my salary can be taken into account for the additional borrowing, but I checked my experian report and it shows 2 settled defaults one egg credit card £1800 which comes off June this year (defaulted June 2008) and one for o2 £280 which comes off next year (defaulted Sept 2009) with a score of 770-fair section My report shows other satisfied credit paid off and closed with no missed/late payments on them, I have a dfs 12 month 0% sofa loan £316 left finishes june this year, no missed/late payments and a Halifax credit card balance £1860 which is close to its limit but make the minimum payment every month with no missed or late payments so my total owed is shy of £2200 but I'm at 97% of my available credit based on my credit card balance, pay more off I know didn't realise how it effected credit scores until now . I earn £22k take home with minimal outgoings, £600 give or take monthly. Our LTV will be 68% Now, woolwhich lending criteria says Adverse credit as detailed below must be declined: Any unsatisfied CCJ and/or More than 1 satisfied CCJ and the latest is registered within the past 3 years and/or Satisfied CCJs totalling more than £200 and the latest is registered within the past 3 years and/or More than 3 satisfied defaults* and the latest is registered within the past 3 years and/or Satisfied defaults* totalling more than £200 and the latest is registered within the past 3 years and/or Any outstanding default, irrespective of amount. *Includes partially settled defaults Does that mean because my defaults are over £200 I will be declined, or the fact they are over 3 years ago am I likely to be ok? Thanks Also posted on mse so if anyone uses both

hi maroondevo52, umm bump??

Hi there I have been having dealings with Lowell Portfolio 1 group regarding an unenforceable debt with shop direct, I had previously requested the CCA with littlewood-very-ndr-shop direct (the many a channel they have!) to which they replied with a NON signed copy of said agreement. Just my name and address as filled out by myself, the signature on behalf of littlewoods and NO signature by me, I then replied to the letter they sent me advising that what they sent to me does not fulfil the requirements set by the consumer credit act to be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account therefore putting the account in legal dispute (letter I sent privided by another CAG). I then received a letter from the Lowell. Portfolio 1 stating they had bought the debt off shop group, much to the likes of the letter above. I then sent this letter to Lowell ACCOUNT IN DISPUTE Date:2nd November 2010 Dear Sir or Madam, Account number: Your reference number: I am in receipt of your letter dated 22nd October 2010 This account is in dispute with Shop Direct Finance Company Limited and has been since the 9th September 2010. Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 My previous dispute from 9th September 2010 has NOT been answered. As Shop Direct Finance Company Limited are now in default of my Consumer Credit Act agreement request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Now I would respectfully suggest that this account is returned to the Shop Direct Finance Company Limited for resolution of these defaults and breaches, as Lowell Portfolio I ltd cannot lawfully pursue any enforcement activities. If Lowell Portfolio I Ltd chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings Collection Guidelines. I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully They sent a letter acknowledging my letter and advising they will be in contact once they hear from Shop Group (which I received Christmas Eve, letter dated 23rd Nov, post mark dated 23rd Dec!) I have now received a letter from Lowell dated 13th April '11, post mark 19th April'11 stating. Thank you for your recent enquiry regarding the Shop Direct account. Your comments have been noted and after corresponding with the original creditor, Shop Direct, we can confirm we have reached an outcome regarding this matter. Shop Direct have checked their records and have confirmed that they have no record of any previous disputes being raised with them.(which they did receive as my letter was sent recorded delivery) However they are aware they received a request from you on the 9th September 2010 for a copy of the credit agreement and they were unable to provide this. We trust this now resolves your query and look forward to hearing from you to discuss repayment. If we have not had contact over the next 14 days your account will be transferred to our debt collection agent Lowell Financial who will contact you regarding this account. your sincerely Samantha Barnard. .......First off I know that Shop Direct received my letter placing the account into legal dispute, they’ll know that hence why the alleged debt was then bought by them. What should I now send to the "charming" Lowell Portfolio1 advising them to P**S off? Your response is greatly received

Hello, I had a letter from this lowell group back in Dec in reply to the letter I sent from the above link to advise they were waiting to hear from ndr/very with regard my letter. I have today recieved another letter stating ndr/very had returned their contact stating very have no record of my disputing them yet ndr/very confirming that I requested a copy of a signed credit agreement which they were unable to provide. Lowell group comment on hoping I was satisfied with that outcome and proceed to ask how I wanted to settle the "outstanding" payment with them. Obviously if ndr/very are unable to provide the credit agreement to which they confirmed they were unable to provide to lowell, lowell have no right to ask me for any payment as I owe nothing to them? Ill post what lowell actually wrote tomorrow, but to give an idea, what would I need to be looking to send back to lowell group? Thanks in advance for a reply fitnesspt

Hey, I have an update, I have now received a letter from a Lowell Portfolio I ltd . The letter states 'We herby give notice of the assignment of the debt due to us from you in respect of the balance of xxxx outstanding on your shop direct finance company (previously known as Littlewoods finance company) retail brand account. On 18/10/10 your account was legally assigned to Lowell Portfolio I Ltd and as such any further communications and payments regarding the above account must now be addresses to...Lowell Portfolios I ltd's address. I noticed they had done a search on my credit file under my old address, so them suggesting the 'debt' was legally assigned to them seems untrue as surely they would have been provided with my current address which very/littlewoods/ndr or whoever they want to be called have. I presume NDR/Very/Littlewoods know the debt was unenforceable due to the lack of a signed credit agreement between myself and them, hence why they have 'sold' it to this company. A second letter was included stating how they are a specialist debt purchaser who buys accounts from companies such as shop direct/very - littlewoods/addidtions direct where there is an outstanding debt. The account was 'sold' to them on the 18th Oct. It then proceeds to go on about settling up and what happens next etc. To finish on the last paragraph which a non directed threat of sending in debt collectors to my house, commenting on once paid or a payment plan set up they will update the credit reference agency to update my file etc What would you suggest I send in reply to this letter from Lowell Portfolio I ltd? Thanks fitnesspt

How long should I give it before I send another letter out to them? I can't find the receipt with the tracker number to double check they did get it, especially after they sent out the statement the other week. I want to get the dispute off my credit file sooner rather than later, if it wasn't for them I'd have a beautiful credit file MoFo's.

hey cerberusalert, I sent that letter above to NDR almost 4 weeks age by registered signed for which they received, yesterday I had another statement off NDR, like the regular monthly statements they send. as yet, I've had no contact by them in relation to the second letter I sent as posted further up requesting my CCA with them? what would you suggest I do now as my next step? thanks again in advance fitnesspt

Thanks for the letter, I’ve printed it off and am sending it today/tomorrow. I'm a bit worried as you said about not signing it which makes complete sense but I didn’t know to do that with my previous letter requesting the CCA. Are they or would they likely forge my signature onto the agreement or now that they have already sent one to me without my signature is it too late for them to amend that? I've attached the letter and the agreement which they sent removing the data about myself. Your feedback will be greatly received. One other thing, they have put a notch on my credit file, what would be the steps to get that removed or should I wait until i get the reply to the letter you've advised me to send? Thanks again fitnesspt

Hi Hope someone can give me advise. I have an account with Very who used to be littlewoods. I fell behind with payments when I changed jobs and the bank stopped my DD to them when I failed to have sufficient funds at the time of collection, along with the collection date changing every month. It was passed on to NDR. I sent a letter to NDR requesting my CCA from them after reading threads on here knowing my account had been with them for some years, the letter was sent on the 23rd August registered post and believe they needed to reply to me by the 9th Sept as being 12+2 working days from the 23rd, this morning I received a reply from them dated the 9th Sept but only arriving today the 13th Sept. In the reply it says we enclose a signed copy of your credit agreements with shop direct finance trading as very. records show the account was opened on the 31/03/2003. bla bla bla how much I owe and what I've paid in the last 12 months The scan they have sent me shows my name, address, date of birth etc written by myself in the boxes, but my signature is not on the form, the only signature is in the box next to signed on behalf of littlewood flexible account (which has not been dated either) Does the fact that I have written my address details date of birth etc mean it is an enforceable debt or because the vital bit of missing info being my signature isn't there is it no longer enforceable? What would be my next step from here? Thanks in advance for your help fitnesspt

Hi JSA12 I have recently sent an initial letter requesting my CCA to NDR, Thursday (9th Sep) is the 12th day in which they've needed to get their response to me by, as yet I've heard nothing. Just wanted to find out what was the outcome with your request, Ive heard that laws have changed and it is no longer possible to get 'unenforceable' agreements removed? Thanks fitnesspt