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Miki123

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  1. I will do I have placed the letter will all the receipts and F&F letters etc from all the debts on our DMP when we cleared that off. I will keep an eye on the credit file as experian are already investigating that entry so just waiting for a reply from them and then see if Lowell or experian remove it.
  2. Ok I've typed up the stat barred template letter with intention of posting it today but postie brought a letter this morning from Lowell stating that they have looked into my account and noticed that it is indeed stat barred and they have close my account and that they will no longer contact me with regards to this account.
  3. Just checked my credit file and they have put a entry up under the name of gothia ltd. with a default date of 12/04/2011? I have called experian and stated this to them and they have opened up an investigation as the debt apparently was on my file from 2003-2009. It has now been opened up as a fresh debt under my old address that I moved from in dec 2012.
  4. Hi, I've constantly started receiving letters, calls and texts from these cowboys. The letters state that I owe £400.28p for a Capital One credit card that as far as I'm aware I have never had. They state that the debt is from 2003? (10 years ago) and was taken out at an address I have never lived at (address is my mums address and she moved into their after I moved out of home at 19. Address was used as a billing address for about 6 months about 8 years ago). They have just informed me after I refused to discuss the matter over the phone that they had a conversation with me in 2007 and I apparently said that the debt was paid off and I was forwarding them proof. I never speak to DCA's over the phone and definitely wouldn't agree that a debt was paid off that I have no recollection of ever owning. I informed them the debt is statute barred anyway and they've stated that "money is still owed so they will push for all monies to be paid back" (good luck with that) How do I deal with these? Obviously the debt is unenforceable anyway as it's statute barred do I just send them the statute barred template letter and tell them to leave me alone or is there another way to deal with these as the text's and phone calls are getting annoying now.
  5. Hey guys, I had a default on my credit file about 6 months ago. I called them and cleared the debt. They have marked my credit file as satisfied which is fine but now every month for the last five months they have been updating my credit file each month as default but with a £0 balance. Are they able to do this and why are they doing this? One other thing! When are defaults removed from the CRA? Is it the default date or the satisfied date?
  6. Then what? The letter states I only have 1 month to appeal to the overpayment request. It could take that just to get the sar information.
  7. Hey guys, I return seeking your expert advice. I received a letter today from DWP stating that I have to repay overpayments from march 2012. The letter states that I owe £780.76 from date period 28/03/2012-29/06/2012. It then says that it occurred because on 28/03/2012 my circumstances changed and the office that paid my benefit was "not told at the correct time" that I was in receipt of another benefit. The benefit in question is carers allowance and I am no longer receiving ESA. I made a claim for ESA on 14th May 2012 due to me currently being off sick at the time. During a call to ESA for a benefit period not being paid, one of the advisors informed me that I could be claiming CA. I made the claim for CA on 02/04/2012 and informed them that I was claiming ESA. I then informed ESA that I was claiming CA and my ESA was adjusted to take the CA into account and the payments dropped to £12 odd per week. I assumed that all was then ok and a few months later I stopped claiming ESA (long story). Now all of a sudden they are stating that there are overpayments and that because of social security law they want the money back. I called ESA today to ask about this and the woman I spoke to said that she couldn't answer any of my questions especially as the dates don't match up but she seem to think that it was due to a backdated amount and that I would have to speak with the "overpayments" team. She transferred me to them and the woman I spoke to there said that I'd have to speak with the esa team as she was only there to discuss how I'm willing to pay it back. Spoke to the esa team AGAIN and the very rude woman I spoke to then said (you guessed it) "I'm very sorry but I can't deal with your request, you need to speak to the overpayments team. Ok so guys, where do I go from here? None of their dates match up or make any sense! None of their advisors seem to be able to give me any confirmation on how they made their decision and came to the amount claimed! DWP's left hand doesn't seem to know what the right hand does! Where does it leave me? What questions should I be asking and how do I move forward. I was made redundant in Aug and still looking for work at the min so can't really afford to pay all this money back (unless they want £5 a week) Thanks in advance guys
  8. No she actually wrote a reply to the message saying thankyou for informing her and wishing us good luck in the new place. I don't have her home address to post anything to her.
  9. Just my damn luck. 3 weeks before we move out and one of the kitchen cabinets fall off of the wall
  10. We deal with landlord directly now so it was by email of which she replied to. So I'll take the reply as read and confirmed receipt.
  11. Ok great. Thank for your help. I put my notice in on the 16th of nov so I should be good to be out by Xmas.
  12. I'm staring at my AST contract now and the tenancy termination date was 22nd April 2010. Rent due date was originally 23rd of month but my payday changed with a new job so I paid difference to change rent date to the 11th. First 3 lines of AST contract states: Tenancy start date: 23rd June 2007 Current tenancy start date: 23rd October 2009 Tenancy terminates: 22nd April 2010
  13. Tenancy started 22nd July 2007 and has been on a SPT since 2010 and was an AST for 12 months. We renewed in 09 for another 12 months but have not renewed since. So basically even if I move out on 16th Dec I have to pay rent until 10th Jan even if I surrender property early and give back keys by 16th Dec?
  14. Hi all, I privately rent at the moment and have just been offered a place through a housing association. Need some advice on what to do with my final months rent. My rent here is paid on the 11th of each month. We've waited 7 months for the HA to deal with squatters and let us view the place. My LL has been made aware of this for months. The HA calls me on the 15th of this month with an hours notice and asks if I can go an view. I wasn't too happy with the short notice but went. When I viewed the place they inform me that they want my tenancy to start on the 26th Nov (11 days time). I rushed home and emailed my LL and gave my 1 months notice although she didn't reply until the 16th. No I explained that I would be gone from the property by the end of December but should be out by the 16th which she seemed fine with. My question is? On the 11th of Dec how much rent do I pay? Do I have to pay a full month even though ill be out 26 days before? Or Do I pay from the 11th to the 16th (also being 1 full calendar month from day of notice? Or My contracted rent date is the 22nd according to my contract but I paid the difference so I could pay on the 11th as that is pay day
  15. Ok great. I'll type up a letter in the morning and get it in the afternoon post.
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