Howdy!

Entering a Token Payment Plan with StepChange as been avoiding creditors for long years now.

Could someone tell me how to find old bank account numbers, old ref numbers to finish off my paperwork for TPP?

I haven't kept any old letters etc, and I'd like to avoid ringing creditors at all costs.

My credit report doesn't exactly show ref numbers.

Is it actually crucial to find them anyway?

StepChange said it would greatly help.

Sending a Subject Access Request should get you account numbers ect.

One for each creditor, but list all accounts held with each individual creditor it's one fee for all accounts with one creditor.

But most of my debts have been passed onto DCAs, some debts several times. I have more than 10 creditors and each SAR is £10, if I'm correct?

Just about to enter token plan with StepChange however I've got a feeling that I may have had some PPI and not overall sure about some debts.

And from what I've read StepChange will not check for things like that, just settle with DBAs on the amounts they give.

Maybe asking the DCA'S to prove you owe these debts would enable you to work out whats what, you say you've been avoiding these debts for "long years now" how long, are any of them statute barred ect ?

I honestly got lost like hell

Thought I gave StepChange all my creditors (I only got access to noddle credit file)

but then double checked and some entries were doubled on my crf and the more I look into it the more lost I get

I just want to be sure that before I commit to paying my debts I will be paying right amounts to right people.

All of my debts are after 2007 so I don't think they're statute barred.

I am willing to do the right thing and tackle my debts

but I don't want to play cash cow game with creditors/DCAs.

Would it help if I listed my debts here and maybe someone could advise me how to approach and who to approach for ref numbers and amounts?

Many thanks

Would it help if I listed my debts here and maybe someone could advise me how to approach and who to approach for ref numbers and amounts?

 

Yes that would help people see whether there are any charges ect that could be reclaimed.

Right!

This will be a long post as I completely do not understand my credit reports. I obtained two of them - checkmyfile from 05.09.2013 and noddle from 29.09.2013.

Therefore I will list all creditors as they are in those two reports. Some entries may be doubled but I'm just putting stuff as it goes (btw are doubled entries normal or should I try and get them sorted out somehow??)

I apologise in advance if any of the information is irrelevant - I just need some help if I may.

Here we go

A. CHECKMYFILE 05.09.2013

1. Motormile Finance UK Limited

Account type - mail order
[color="red"]Current balance - £551[/color]
Acc opened - 6 June 2011
Opening balance - £551
Last updated - 1 July 2013
Payments started - ?
Acc status - DEFAULTED 1 December 2012 

2. PCO Holco Sarl c/o DWF LLP

Account type - credit card
[color="red"]Current balance - £441 [/color]
Acc opened - ?
Opening balance - £0
Last updated - 1 August 2013 
Payments started - ?
Acc status - DEFAULTED 13 Oct 2009 

3. T-Mobile

Account type - telecommunications supplier
[color="red"]Current balance - £31[/color]
Acc opened - 4 September 2012
Opening balance - £0
Last updated - 1 August 2013
Payments started - ?
Acc status - DEFAULTED 10 August 2013 

This debt went to DCA and I settled it in full with DCA end of August

4. PCO Holdco Sarl c/o The Insolvency Exchange

Account type - Airtime agreement monthly contract
[color="red"]Current balance - £0 (closed 17 April 2013) [/color]
Acc opened - ?
Opening balance - £440
Last updated - 17 April 2013 (Debt Assigned)
Payments started - ?
Acc status - DEFAULTED 13 October 2009 Default Satisfied 17 April 2013  

5. Micro Credit

Account type - advance against income
[color="red"]Current balance - £573 [/color]
Acc opened - 3 June 2011
Opening balance - £150
Lifetime Change - £423
Last updated - 1 August 2013
Payments started - ?
Acc status - DEFAULTED 29 October 2011 

6. Micro Credit

Account type - advance against income
[color="red"]Current balance - Closed 6 May 2011 [/color]
Acc opened - 17 April 2011
Opening balance - £100
Last updated - 1 June 2011
Payments started - 17 April 2011
Acc status - Settled/Closed 

7. Orange

Account type - telecommunications supplier
[color="red"]Current balance - £330 [/color]
Acc opened - 8 April 2011
Opening balance - £0
Last updated - 2 August 2013
Payments started - ?
Acc status - DEFAULTED 10 December 2011 

8. MEM Consumer Finance

Account type - advance against income
[color="red"]Current balance - £282 [/color]
Acc opened - 1 October 2009
Opening balance - £437
Lifetime change - ( -£155)
Last updated - 1 August 2013
Payments started - ?
Acc status - DEFAULTED 1 March 2010 

9. Bank (Judging from balance it is Natwest)

Account type - current account
[color="red"]Current balance - £1779 Closed 22 December 2011 [/color]
Acc opened - 25 February 2008
Opening balance - £0
Last updated - 19 January 2012
Payments started - ?
Acc status - DEFAULTED December 2011 

10.Finance House

Account type - credit card
[color="red"]Current balance - £409 Closed on 9 December 2009 [/color]
Acc opened - 31 August 2007
Opening balance - £0
Last updated - 9 December 2009
Payments started - ?
Acc status - DEFAULTED December 2009

11. Debt Collector ???

Account type - credit card
[color="red"]Current balance - £324 Closed on 26 July 2009 [/color]
Acc opened - 20 December 2007
Opening balance - £0
Last updated - 15 March 2011
Payments started - ?
Acc status - DEFAULTED July 2011 

12.Bank That will be Lloyds

Account type - current account
[color="red"]Current balance - £2992[/color]
Acc opened - 30 October 2006
Opening balance - £0
Last updated - 25 May 2010
Payments started - ?
Acc status - DEFAULTED May 2010 

13. Communications supplier ???

Account type - communications supplier
[color="red"]Current balance - £30 Closed 21 March 2011 [/color]
Acc opened - 3 March 2009
Opening balance - £0
Last updated - 7 April 2011
Payments started - ?
Acc status - DEFAULTED March 2011 

14. Debt Collector ???

Account type - credit card
[color="red"]Current balance - £471 Closed 27 November 2009 [/color]
Acc opened - 31 August 2007
Opening balance - £0
Last updated - 3 August 2011
Payments started - ?
Acc status - DEFAULTED November 2009 

+ one Insolvency on file - discharged 12 Oct 2012 (My IVA collapsed when I lost my job)

+ few more entries on credit file that have been defaulted and my question here is :

when debt was being passed from one DCA to another did they all make seperate default entries?

because by the look of it they did, is that their right?

Okay, next is noddle:

B. noddle 29.09.2013

Lowell

Account type - credit card
[color="red"]Current balance - £471 [/color]
Last updated - 16/09/2013
Acc opened - 31/08/2007
Opening balance - £416
Acc status - DEFAULTED £416 on 27/11/2009 

Arrow Global LTD

Account type - credit card
[color="red"]Current balance - £324 [/color]
Last updated - 13/09/2013
Acc opened - 20/12/2007
Opening balance - £324
Acc status - DEFAULTED £324 on 26/07/2009 

Pco Holdco Sarl c/o Dwf Llp

Account type - credit card
[color="red"]Current balance - £441 [/color]
Last updated - 01/08/2013
Acc opened - ?
Opening balance - £441
Acc status - DEFAULTED £441 on 13/10/2009 

Mem Consumer Finance

Account type - advance against income
[color="red"]Current balance - £282 [/color]
Last updated - 01/09/2013
Acc opened - 01/10/2009
Opening balance - £437
Acc status - DEFAULTED £437 on 01/03/2010 

Micro Credit

Account type - advance against income
[color="red"]Current balance - £573 [/color]
Last updated - 01/08/2013
Acc opened - 03/06/2011
Opening balance - £150
Acc status - DEFAULTED £573 on 29/10/2011 

Mr Lender

Account type - advance against income
[color="red"]Current balance - £200 [/color]
Last updated - 01/07/2013
Acc opened - 08/07/2013
Opening balance - £200
Acc status - UP TO DATE (not for long ) 

Lowell

Account type - telecommunications supplier
[color="red"]Current balance - £282 [/color]
Last updated - 16/09/2013
Acc opened - 29/11/2007
Opening balance - £114
Acc status - DEFAULTED £114 on 25/05/2009 

NWB Current Accounts

Account type - current account
[color="red"]Current balance - £1779 [/color]
Last updated - 06/09/2013
Acc opened - 25/02/2008
Opening balance - £?
Acc status - DEFAULTED £1779 on 22/12/2011 

EE LTD - Trading as ORANGE

Account type - telecommunications supplier
[color="red"]Current balance - £330 [/color]
Last updated - 03/09/2013
Acc opened - 08/04/2011
Opening balance - £?
Acc status - DEFAULTED £330 on 10/12/2011 

EE LTD - Trading as T-MOBILE

Account type - telecommunications supplier
[color="red"]Current balance - £31 [/color]
Last updated - 01/09/2013
Acc opened - 04/09/2012
Opening balance - £?
Acc status - DEFAULTED £31 on 10/08/2013

this one has been settled, will they remoe that default?

Provident

Account type - Home Credit
[color="red"]Current balance - £467 [/color]
Last updated - 05/08/2013
Acc opened - 16/11/2010
Opening balance - £514
Acc status - DEFAULTED £467 on 04/02/2013

Just this week got a nice letter from Wescot demanding payment for this

Lloyds TSB

Account type - current account
[color="red"]Current balance - £2992 [/color]
Last updated - 31/07/2013
Acc opened - 30/10/2006
Opening balance - £0
Acc status - DEFAULTED £2992 on 05/05/2010 

Motormile Finance UK Ltd

Account type - mail order (huh?)
[color="red"]Current balance - £551 [/color]
Last updated - 01/07/2013
Acc opened - 06/06/2011
Opening balance - £551
Acc status - DEFAULTED £551 on 01/12/2012

Motormile Finance UK Ltd

Account type - mail order (again...huh?)
[color="red"]Current balance - £260 [/color]
Last updated - 01/07/2013
Acc opened - 30/09/2009
Opening balance - £324
Acc status - DEFAULTED £324 on 30/10/2009

Now the question time

What to do?

Who to SAR?

Who to CCA?

Sure that I had credit and a store card with PPI, how to get round reclaiming it?

Natwest and Lloyds were both destroying me for years with their bank charges, snowball effect, borrowing more and more, now in hardship and on ESA due to depression, anxieties, insomnia, suicidal... Would it still be possible to reclaim bank charges?

Considering to enter StepChange token payment plan but from what I've heard they would not check properly legality of debts nor proper amounts

Not sure what to do, any help would be greatly appreciated!

Kind regards

natek

Hello natek, now that is one hell of a credit file!!

I agree SAR to NatWest and Lloyds to start with Lloyds is a large amount.

Motor Mile is most certainly a PDL as this company reports PDLs as mail order for some reason, could be challenged on this if have not had a mail order accounts.

SAR costs £10 statutory fee, there is a template in the CAG library for this they have 40 days to comply, so do these first.

I will help with draft letters to MMF on the ''mail order' accounts if you wish.

Thank you BRIGADIER2JCS, your help will be greatly appreciated

I would like to SAR Natwest and Lloyds on Wednesday. Problem is I don't have ref/account numbers.

Should I just send them SAR with the date the accounts were open (from my credit file), address of the branch I opened the accounts with, together with my address at the time of opening + all later linked addresses?

Will that do?

+ I would like to tackle Capital One and Topman 7 Store Card for PPI which I am sure I had.

And which of the others should I greet with warm CCA request?

May I suggest taking the accounts just a couple at a time otherwise this could get very confusing.

Make up file for each debt with all the letters etc., that you have and names of DCAs if they are involved.

File as in folder at home I assume?

Okay, following your advice - natwest and lloyds SAR will be the first thing on the agenda on Wed morning

I just thought that since SARs take up to 40 days I could do something productive in that time.

How should I send SAR if I haven't got sort code and acc number?

How should I send SAR if I haven't got sort code and acc number?

As you mentioned in a previous post, give them the date the accounts were opened together with your address at the time and any more info you think will enable them to find any accounts.

I would hold with entering the DMP.

you need to get those CCA's off

esp to the DCA's on all the credit cards.

as for all the mobile debts.

you have one hell of a lot of mobile accounts?

did you enter into all the contracts?

dx

Mobile phones... Yeah all mine. Was behind with bills so they cut me off. So I stupidly went and got another contract. And so on...

Okay, will send cca to all dcas above. Also will sar lloyds and natwest. Going to write them now and off I go to the post office.

Problem is when I cca all dcas they Will have my current address not keen on that but hey, needs must I suppose...

Should I add to cca

As I cannot provide you with reference/account number I listed my previous addresses to allow you to identity me.

?

Or should I attach a scan of my drivers licence so they can identify me? I mean I went through maaaaany threads on CAG and I don't want them to reject any SAR/CCA due to change of the address.

Hmmm hmmm

Anyone?

not yet no.

dx

Thanks dx

Call me a blonde but one last question for tonight:

I've read that CCA and SAR should not be signed.

So should I just:

a) type my name in word editor and print it all together or

b) use CAG anti-tampering thingy?

Sorry guys to be relying so heavily on you. I'm doing my best to read relevant threads and learn as much as I possibly can!

It's just my first time standing up to those companies and I just don't want to cock it up

CCA does not need to be signed

the SAR MUST be signed

dx

Okay, fired off CCA's to MEM Finance, Motormile and Wescot. Also sent N245 and EX160 to Northampton County Court.

Haven't got moneys for now to send off SARs to natwest and lloyds.

Also requested statutory credit report from experian and equifax.

That's me done for today, I'll keep you posted.

And once again big thanks for the advice you guys are giving here

- nat

Just had a CCA request (dated 09.10.2013) returned from Wescot together with the postal order :/

They are saying that I need to confirm my DOB and last known address, in order for them to prevent the breach of the Data Protection Act.

Weird, as they were previously sending me letters to my current address. And all of the sudden they are not sure that I am Me? I mean...really?

What do I do now?

Dear Wescot.

Ref: Your letter dated xx.xx.xx in regard to my request made under sections 77/78 of the Consumer Credit Act 1974 (as amended).

Your request for further data has been noted, but as Wescot have been corresponding with me regarding this alleged debt and in doing so has disclosed data relating to this matter, it would now appear that Wescot have been contacting me when it was not sure that it had contacted the right person, a clear breach of the OFT Guidance on Debt Collection.

Therefore I am returning the £1 postal order and require Wescot to comply with my lawful request within the remaining time of the 12 + 2 working days allowed by the act.

Failure to do so will place this alleged debt formally in dispute.

Send by recorded/signed for post, address to the data controller.

Well they said I have 10 days to reply so thank you Brigadier2jcs

I'll send my letter on Monday.

Hello CAGgers

Checked my credit report today. I have a few questions regarding some of my debts.

1. Most of my default dates will reach 6 year period at the end of this year/beginning of next.

Does that mean that after 6 years from the original default date those debts will be out of my credit file?

Does that mean that my credit rating will start improving?

2. I sat tight and made no payments for a very long period of time,

not have made payments since default dates anyway so will that mean that my debts get statute barred?

They are credit card and loan debts etc.

3. I very briefly entered IVA in 2011 and made 2 payments there

- but none of my creditors recorded those payments on my credit file!

I remember something about that IVA that I had to pay some money up front for setting it up,

could it be the case that those two payments went just for that

and my creditors didn't get any of it?

How will my IVA affect the debts and SB clock?

4. I have a CCJ,

judgement date Jan 2010,

but can't recall if I've made any payments towards that.

I read somewhere that CCJs never get statute barred.

I don't even know who obtained it against me tbh.

How do I go on about the CCJ?

Read somewhere that not paying it will be foolish as it can end in bailiffs knocking on my door.

But then again I don't even know who to pay it to...

Any advice will be much appreciated. Many thanks in advance guys

1. yes

yes

2. probably

3. think you've guessed right

4. leave it be

they'd have a very hard job in enforcing a CCJ after 6yrs.