Thanks for this.

The default date is showing as 1/06/2009,

but the record on my credit file only starts from August 2014

and the letter says that the debt was sold to Lowell on 24/07/2014.

Is it ok to send and SAR and CCA Request??

Does SAR cover everything on its own or is CCA needed as well??

Thanks

please BE CLEAR.

a CCA request goes to WHOM EVER IS AFTER MONEY/YOU MIGHT BE PAYING.

[i'e a DCA]

an SAR ALWAYS goes to the original creditor.

dx

This has been done now. Thanks.

I also have a CCJ on my file that I am paying 85 a month to.

Is it worth doing an SAR etc now for this debt, or is it too late.

I never went to court or anything with this,

I just phoned the DCA when I received a court letter and agreed a payment plan and that was it,

never checked it was legit or anything, assumed it was otherwise they wouldn't have pursued me through courts.

CCJ is on credit report though.

Can a CCJ last more than 6 years?

Also, If I have not paid all the debt off after 6 years from the default date, will it stop appearing on my credit file?

What will happen then?

sorry for all the questions, but now I have looked into this one issue,

I want to try and sort the whole thing and get an understanding of my position as have been ignoring the issue for a number of years.

AMny thanksScott

phoned a DCA..oh dear...

bet they loved you ..

hey its that cash cow on the phoned again doug...

no seriously.

the CCJ will drop off after 6yrs paid or not

the debt will drop off on its default dates 6th birthday paid or not.

regardless to these two happening,

the debt is still payable

and esp so as its got a CCJ against it.

who got the CCJ [the claimant]

and who are you paying now

and when was this?

there is no harm in sending an SAR to the OC

sadly the time for a CCA to the DCA is long passed

the CCJ trumps that

dx

CCJ is with Capquests investments Ltd.

Think it was a Halifax CC originally.

31/10/2013 is the judgement date.

Will probably just get on and pay it.

Hoping to get rid of it within 3 years.

What I would like to ascertain is,

if I pay off CCJ's in 3 years and by that time all the defaulted debt is off my credit file

(all of it goes over 6 years from default in 2015/2016 (wont have paid it all off by then though)

does this mean I will have a clean credit file?

Or will they re-apply to put all the debt back on with a new default date??

once debt falls off - it can never return

as said before

regardless to if/what you pay on a defaulted debt or a listed CCJ in the public section listing

they will still vanish on their respective 6th birthdays.

are you still paying the claimant [capquest]

dx

I am still paying Capquest.

I am a bit confused as to why a couple of DCA's pushed for CCJ very quickly,

when there are a couple of others where the debt has not been serviced for over 12 months and no contact.

I assumed this was because they had all the correct paperwork and the others didn't.

That's why I didn't really bother to fight it and just agreed something affordable.

can I just check these payments were detailed on the judgement of the CCJ

and you have a copy?

seems like everything is ok with it.

theres no harm mind in you sending and sar to cap1 mind

to see if theres any PPI or PENALTY charges around to get back?

dx

I think what happened was that I did not reply to the original court docs,

(living elsewhere and ignoring or not picking up my mail)

the judgement got made without me doing anything and in my absence I think.

I then just contacted Capquest and agreed a monthly instalment.

Don't have any paperwork connected with this really.

Sounds silly in retrospect, but at the time, I couldn't deal with any of this stuff

so just ignored everything and dealt with it in the moment if I was forced to.

urm so you don't even know the judgement total?

you could findout from

www.trustonline.org.uk

you might want to sar HFC on the otherone too

the one with the CO?

though a sep thread is p'haps best

dx

Thanks.

I have a had a look, they are both showing as unsatisfied judgement,

but with no record of what I am paying back monthly (is this right??).

The Capquest one is for the balance on that credit card at the time,

but the other one is for more than the balance at the time.

What is strange though is the outstanding balance on my credit file for this one is less than the CCJ amount minus what I have paid back to date (by about 3k).

Thanks. I have a had a look, they are both showing as unsatisfied judgement, but with no record of what I am paying back monthly (is this right??). The Capquest one is for the balance on that credit card at the time, but the other one is for more than the balance at the time. What is strange though is the outstanding balance on my credit file for this one is less than the CCJ amount minus what I have paid back to date (by about 3k).

Public Record data on CRA files does not show payments.

if you have the CCJ numbers now

phone northants and either ask them to read out the judgement box for each

word for word and CAREFULLY write it down.

or ask for copies of the CCJ's to be sent to you.

might be a small fee mind.

dx

As an update to the posts above.

I have received a letter from Lowell portfolio (the DCA) saying that they have not received the Credit Agreement from Capital one

and will not contact me again until they do,

but will want full payment when they do get it.

I have received another letter from Capital one in response to the SAR saying I did not sign it (I signed using the CAG anti-copying template).

Do I resubmit with a normal signature, or try again with the pasted in image of one??

Many thanksscott

fleecers batted off nicely..little darings aren't they..

as for the SAr you should always sign an sar

dx

Thanks for this, I guess this will at least delay things for a while. I did sign SAR but used a picture of signature taken from the CAG anti fraud app. You think its safe to just sign the normally? I don't want them using it to make up a credit agreement!

as the sar is going to the original creditor

they are no longer interested in you.

its the dca that owns the debt now you have to watch.

dx

Firstly, I'd like to thank you for all your help with this.

I received a letter yesterday from Lowell Portfolio saying that the CCA is no longer available due to the length of time since the account was opened.

They are closing the account and will not make any further contact unless the CCA is produced by Capital One.

I guess this is the end of the matter then?

Should this then be removed from my credit file, or do I have to do anything else?

This has now motivated me to try the same thing with everyone else I am paying.

little fleecers huh..

another one bits the dust.

well done

now go check the others you are blindly paying

sadly nowt you can do about theCRA file

there till the default gets to 6yrs

dx

Can't the OP do a Section 10 request asking Cap1 to stop processing his data?

I dunno if this is pure FMOL stuff - guess where I heard of it - but it seems logical.

If they can't establish there was ever a properly executed agreement,

how can they advise the credit reference agencies that said agreement's been defaulted on?

They have to process data to do that, and if there wasn't ever a properly executed agreement,

if I have this right, then what's Cap1 doing with his data at all, let alone telling third parties he's a bad credit risk?

I personally got Crap1 to give up chasing after me for a little over four grand and my next step,

to be taken when I feel better versed with the subject, will be to section 10 their data controller and telling him to cease and desist.

I'm not saying to go blindly ahead and do this but I'd advise the OP to check this idea out at least.

Hi,

As a further update to the above.

I received a letter from Lowell over Xmas, enclosing a signed CCA and a monthly balance of account (not original just reproduced on a spreadsheet).

I have had no response to the SAR request, but Capital One say it should be with me in the next 7 days.

The statement from Lowell shows that I made one significant payment 3rd Jan 2009 (which seems likely),

and one small payment on 3rd June 2009 (although I don't think I did, but cant remember for sure).

Please could you advise,

Lowell have now written to me twice since xmas chasing for payment.

I would like to wait to see the SAR from Capital One and try and establish if I made the payment in June 2009

before I start any payments to Lowell.

Thanks

scan up the CCA return please

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

.

- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

...................

you need to start two new threads for each debt with the CCJ's

dx

Everything they sent is attached. I have not included the monthly balance. I have blanked out one of my signatures, the other one has been scribbled out as can be seen, this is how it looks on the paperwork they sent me, I have not done this on MS paint.Many thanks

is the attachment ok? I couldn't get it below 1 mb in size...........