Hi!

Happy new year.

right i need to sort my debts out...noddle credit report is sorted.

equifax and experian need to do more checks

Just a few basic questions to be honest, With regards to sorting out old debts and not having the paperwork/

Would i need to? Or can i send a subject access request without credit card numbers,account numbers etc?

realistic payment plan? Or another option to offer the lender a setttlement?

Im aware its best to deal with lender direct which is what ill try to do. Noddle is not the best though as it doesnt give you that much detail so ill need to wait till the others verify.

The debt being realistic isnt much id say at maximum £3500. its a lot to me but others i know it may not be.

That being said life is not that easy sitting with a score of 438. Do not get me wrong im not repairing my score to then get numerous credit cards and max myself out. Its simple things like renting or just simply applying for broadband!

Appreciated

Post up a list of the debt(s) you owe (amount and type) and to whom and last date you paid/acknowledged them with the OC and/or a DCA

I will do,ill wait until the other agencies have confirmed my identity,that way its a better overview of the situation. As im sure there will some on one then not the other.

Much appreciated for the response

Also note, that just because debts don't show with the CRA (as 6 years have passed) - its does not automatically mean the debt is done and dusted

Also note, that just because debts don't show with the CRA (as 6 years have passed) - its does not automatically mean the debt is done and dusted

Unless in the wonderfully-heritage filled country known as Scotland ^_^

5 years and it gets extinguished I believe...

Currently Lowell have three debts they have ownership.

1 is from a very long time, sadly being a plonker that i am, i aknowedged the debt back in 2015 not thinking.

It was a shop direct debt.

They have reduced the amount dramatically since.

Can i ask a generic question, if they fail to produce a CCA agreement and being the debt is not listed on my credit file at all.

Does that mean that the debt is pretty much in the past and the most they could do is keep asking me for the payment?

The other is o2 but not really relevant to my question

The third is a very old orange which im paying next week as its £18 and on my credit file.

question WHY are you paying a DCA anything?

They are NOT bailiffs!!

you've been talking on the phone to them have you?

what do you mean you ack'd the debt with them.

No no no, i dont talk to them on the phone. I am trying to get my debt sorted. Its under £1000 now and to be honest at the age i am if i ever hope for a reasonable life it needs sorting if only for my minds sake.

No back in 2015 i sent them an email requesting all information on debts they held, granted we are on 2018 now but i had others to clear.

I agree they are not baliffs obviously dx, thats why i have asked for the cca information from them to see what they hold and what they do not. What do you think i should try getting the debts sent back to the original creditors?

asking for info doesn't reset anything.

so what are your last payment date

and what are the defaulted dates?

well..

the shop direct is from 2007 or something crazy i cant even give you a figure or date when a payment was made.

Orange, pretty much the same,the £18 just looks like something that wasnt cleared up from a finished contract, however seeing its coming up as orange god knows when, maybe 2012,13? they switched everything to EE i thought eventually.

Now the o2, this is an interesting or rather not so, i am aware i did have an o2 contract but i disputed the cancellation charge. The odd thing is on equifax and noddle it doesnt show. Experian i cannot gain access to because "Apparently they cannot identify me" where as all the others can

silly question why do you think you must pay these?

it wont improve your CRF file one bit.

are they defaulted?

No the shop direct is nowhere to be seen on my file, that one wont help anything

the orange one however is defaulting monthly.

O2, i dont know as i cant access experian to find out if its showing

forget the calendar markers they mean nothing

what is the defaulted date from the debt summary for the orange one

the other 2 forget them too.

According to noddle as thats all its on,

Account start date 15/03/2013

The last actual default date was the 17/04/2014 then been red blobbed ever since.

should say across the top

lender - balance - updated - status

under status does it say default

click the little orange down arrow to the right of there

2nd from bottom

date of default

need that please

Apologies,

Lowell £18 06/03/2018 default

Date of Default- 17/04/14

hey we got there....

so that will be on your file regardless to whatever you do till 17/4/20

you cant remove a default

paying wont help either

the default kills most credit for 6yrs.

so i'd not bother about ANY of them unless you get a letter of claim.

Okay,

Wont paying that specific one off help at all with regards to the credit score etc, as in paying debts back? the other two i get as they arent even on there etc

nope urban myth paying a defaulted debt improves your score.

same as paying a DCA

better to burn the money.

nope urban myth paying a defaulted debt improves your score.

same as paying a DCA

better to burn the money.

Like KLF did with a million quid, best not pay the DCA.

ahh ok,

So just so i clarify in my own mind.

Is this correct?

Any old debt that has defaulted over a certain amount of time that its fairly certain they will not go to court. Leave it?

Any Debt that you are in contract with and defaults, sort that debt out as a priority?

yes

what do you mean by in contract with [who] and defaults

a DCA cannot default a debt only the original creditor can

ignore the calendar markers they mean nothing

oh ok now im with you! original creditor only

Right,thanks for your help dx

your best bet is read some threads

the more you read

the stronger we become

your best bet is read some threads

the more you read

the stronger we become

Lol no wonder people who work for Lowell get a headache.