Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #41

    Default Re: Problem with Lowell and old Oakam loan

    We have just done credit score check.

    Lots of checks was done recently on his account mostly by Capital One.

    He has two loans under settled accounts:
    Lowell Portfolio (balance on 07/02/18)
    Start date: 27/12/2012
    Default balance: £5311
    Last delinquent date:Sept 2013
    End date: 28/09/2013
    Start balance: 0
    If you go to account history:
    Date: January 2018
    Status: default
    Balance: £10,785

    Second loan - Oakam Ltd
    Balance on 15/09/2017 - £0
    Start date: 27/12/2012
    Default balance: £7474
    Last delinquent date: September 2013
    End date: 28/09/2013
    Start balance - £0
    Fixed payment- £333
    Account history
    Date: August 2017
    Status:settled
    Balance: £0
    Date: July 2017
    Status: default
    Balance: £6903

    i can see four different amount.
    Why?

    So from credit report I understand that his last payment was in September 2013.
    Is that right?
    So 6 yearsicon will pass in Sept 2019?

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  2. #42

    Default Re: Problem with Lowell and old Oakam loan

    looks that way
    but if you read that thread at the end of post 21
    you'll see what they do.

    as for each debt showing twice.
    some do report that like that

    one is the old listing under the original creditor
    one is for the present owner.
    the OC will zero the balance and if not already defaulted will then default and sell it on.
    hence now you see the reason why the fleecing debt buyers leave it till the last minute extra interest on top.
    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  3. #43

    Default Re: Problem with Lowell and old Oakam loan

    An interesting point here is if oakam def dont hold data
    Then it must be 6yrs since last payment

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  4. #44

    Default Re: Problem with Lowell and old Oakam loan

    Quote Originally Posted by dx100uk View Post
    An interesting point here is if oakam def dont hold data
    Then it must be 6yrs since last payment
    So if they don't have any data about my partner what is the point to send them SARicon?

    I am going away tomorrow for one week so I have only time to send the letter to Oakam in the morning.
    Letter to Lowell will send when I am back.


  5. #45

    Default Re: Problem with Lowell and old Oakam loan

    best thing you could have ever done.

    enjoy your break.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  6. #46

    Default Re: Problem with Lowell and old Oakam loan

    Quote Originally Posted by dx100uk View Post
    best thing you could have ever done.

    enjoy your break.
    Thank you. I will try but won’t be easy. Stress will eat me!!!


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