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dannyfleetwood

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  1. Nah mate just looked for them and can't find any correspondence. My loans were defaulted in 2011 (I can sort of deal with that) but my Current Account with overdraft (which I guess would have been mainly charges) - this defaulted in 2012.
  2. To cut a long story short - I got into financial difficulty in 2009. Most of my creditors defaulted me by 2010. Ok, I accept the defaults, I deserve it. However, Lloyds kept accepting my DMP payments until 2012 before defaulting me. In my opinion they have punished me for trying to pay my debts off when in reality, I would have been better ignoring them for 6 months and defaulting. Are they allowed to do this as the defaults would now be nearly 4 years old as opposed to 2 years old. I thought banks were only supposed to accept DMP payments for a short period before defaulting you? 2 years seems a bit of a **** take in my eyes? Thoughts?
  3. I have had Lloyds TSB default me in 2012 despite going on a DMP in 2009. Does this mean I could get a default removed? If the default was removed, does that mean the late payments will be visible for longer on my credit file?
  4. Same as the other creditors - AP. Surely I still broke the original agreement as soon as I started making reduced payments? Don't you think 2012 seems harsh when I started DMP in 2009? I would have been better not acting on the debt and took the default in 2010 anyway. This is my argument.
  5. Fast reply. Thank you!! After these f***ers defaulted me 2 years after I started my DMP where-as every other creditor defaulted me 6 months after I started, I am going all out against them! Hope I succeed.
  6. What is the best address to send a SAR to Lloyds TSB?
  7. I have decided to write to them. Is this letter ok would you say? Towhom it may concern, Iam writing to you as I was recently checking my Experian credit fileand I noticed something on the 3 accounts I hold with yourselves. Ibelieve the default dates are either a) wrong or b) unfair. In 2009,I started a Debt Management Plan as suggested by one of yourcolleagues when my employer had to reduce my hours at work from 45 to30 per week which was completely out of my control. I have detailedbelow the accounts, default amount and default dates. CreditCard - account number- £971 - Default Date29/03/2012. Loan- account number - £3544 - Default Date 10/02/2011. CurrentAccount – account number - £231 – Default Date 17/02/2013. Istarted the Debt Management Plan on 01/12/2009. I was making reducedpayments on all of my accounts with yourselves. I believe I actuallybroke the credit agreement by making these reduced payments andshould have defaulted mid 2010 and I would now be in a position wherethey would have been off my credit file in roughly 3 years. Iam now in a worse position than if I had just ignored the debt (whichwould have been more beneficial to my credit report). I feel I havebeen punished for actually trying to pay off my debts as if I hadignored them I would have defaulted long before the dates that youhave defaulted me. Thesedefaults being added in 2011/2012 will now mean it will be 2018before I am even able to begin to rebuild a credit report and meansthat my life with my partner will be virtually impossible in gettinga mortgage etc. Iwould appreciate if the default dates could be changed to 2010 asevery other creditor defaulted me during that year so I don'tunderstand why Lloyds TSB is any different? I aim to get these debtspaid off by 2014 as I am increasing my monthly payments to StepChange. If you feel these default dates are valid then maybe as agesture of goodwill they could be changed to reflect when I wouldhave defaulted if I had ignored the debt. Thankyou for taking the time to read this letter. I would appreciate it ifyou could investigate this for me and I shall await a response. YoursSincerely, DanielFleetwood.
  8. Is there a contact number for the LLoyds TSB CDR Data Quality Team?? Got an issue with defaults they have placed on my credit file, would rather speak to them than right a letter which will probably get ignored anyway.
  9. I am after some advice. Really stressing me out now!! Basically I entered a DMP on 09/2009. I have currently paid £5,527 to date with a further £8,488 to pay but I am increasing payments to £510 per month so this will be clear by mid 2014. I have been looking at me credit file with experian and noticed the following default dates.... Lloyds TSB (17.02.2012) Also says Arrangement start date was 01/12/2009 and end date was 01/06/2012. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement. Lloyds TSB (10.02.2011) Also says Arrangement start date was 01/12/2009 and end date was 01/02/2011. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement. HFC Bank (28/06/2010) No arrangement to pay details on credit file however, this default looks fair enough to me as it was 6 months after my DMP started. HFC Bank (31/08/2010) Also says Arrangement start date was 01/03/2010 and end date was 01/08/2010. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement. HFC Bank (31/08/2010) Also says Partial Settlement was 01/07/2011. This was actually paid in full as I rang them and they advised me that the ammount I paid is the ammount I actually owed them. Halifax (07/05/2010) This default looks fair enough to me again as it was within 6 months of my DMP starting. No queries for this one. However, I would say that as this was an overdraft this would have been made up purely of late peymant charges? Anything I can do? Halifax (22/08/2011) Also says Arrangement start date was 01/12/2009 and end date was 01/02/2011. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement. Lloyds TSB (29/03/2012) Also says Arrangement start date was 01/10/2011 and end date was 01/01/2012. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement. This is the one thats peeing me off the most!! Any advice as to what I can do and do I have a case on any of the above? Also, Seeing as though a few of them will be dropping off in 2-4 years, is is actually worth paying these debts off by mid 2014? Wouldn't I be better dragging it out over the next 4 years or so? If I claimed back PPI would they come off my Lloyds TSB balances as they would be the company I would be claiming against? Thanks in advance for any help that is given to me, I am pulling my hair out!!
  10. So, in effect them being there aren't a major problem at the moment? I hear many mixed things about defaults.
  11. So it will take 3+ years AFTER the defaults have been removed? Or 3+ years from now so when they fall off I will already be in a good position?
  12. Apologies if this is in the wrong form. I am looking for some advice on how to repair my credit score. I have defaults on my account (experian and equifax) and some late payment markers. These are all around 2 years old from when my work reduced my hours meaning I had to go on a Debt Management Plan. I am now £7000 in debt which will be paid off in the next 12 months as I am now in a position to pay £700 per month through my DMP. I have got a Jacamo account with £2000 limit (this has been increased over the last year from £300). I also have a Capital One secured card with £200 limit which gets paid off every month and I have recently received my Vanquis card through the post with a £500 limit on. I simply have these 3 accounts to prove I can pay my bills on time every month and that the defaults on my account weren't due to me not being bothered to pay them. Credit score is 576 on experian and 242 on equifax. Any advice or best practice to get this score up? I have 63 credit searches on my experian however, I have set myself a challenge to not have any more searches on my file for 12 months. This should surely add some points to my score when they all drop off?
  13. Depends on how generous the creditors are. I have found DCA are more likely to play ball.
  14. I will let them explain to me why it has taken 7 months and still no action has been taken first, I can't wait to hear their excuses. Tin pot company who pray on the vulnerable to make a killing. FOS is a good idea. Just been doing some research and there are articles all over the net about mortgage lenders rejecting anyone with pay day loans on their files etc. Makes me wonder, why wonga report to experian but not any other CRA?
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