Jump to content

MY money!

Registered Users

Change your profile picture
  • Content Count

    30
  • Joined

  • Last visited

Community Reputation

1 Neutral

About MY money!

  • Rank
    Basic Account Holder
  1. I sent the one for Scotland, but it's like they've just ignored the distinction I made in the letter.
  2. In the past few months I've been receiving letters from a company called Past Due Credit Solutions, in relation to an old debt with British Gas. The default date was 21/02/2008 and there has been no contact till recently; during this time I have made no offer to pay and haven't even acknowledge the debt. I recently sent them a letter regarding the alleged debt now being statute barred, the content of which was suggested to me by a very helpful CAG forum member, and which has done the trick with other old debts. Past Due Credit Solutions have just written back and stat
  3. I've been steadily working on sorting on my credit file and have made quite good progress up till now. I have a three small defaults still on my account, two of which will be statue barred this month and December respectively. The third relates to a small utility bill (£300) for an old address which I shared with my then husband. I am making fortnightly payments to this account and hope to have it cleared within the next year or so (I'm on benefits so it's hard to pay more than a little amount each time). Over and above these, I have a whopper of a debt of £55K relating to the mortga
  4. Both credit agreements now acknowledge by The Lowell Group as being Statute Barred and will no longer be pursued. Both also now removed removed from my credit file Many thanks for all your help!
  5. Wow What a fantastic letter! That should do the trick Thanks for posting this so quickly, hopefully I'll get it sorted and in the post before Christmas. Best wishes and thanks again Jacqui
  6. OK...now I'm starting to panic a bit more... Lowell obviously discovered my new address when they did their recent Unrecorded Enquiry Search and Red Debt Collection Services have now sent me a letter advising that Lowell have now passed the debt onto them. They now want me to pay the debt in it's entirety (as if!) or to arrange a 'suitable payment plan'. As I mentioned in my first post, this debt (and another with Egg the Lowell) were removed from my credit file in the middle of November as 6 years had passed since the default date. Should I write to them and advise that
  7. Thanks for the reassurance. I was getting myself into a tizzy thinking they were going to come after me again. Naturally, if they do, I shall tell them firmly that there's nothing doing and they've missed the boat!
  8. I haven't acknowledged or paid anything to Egg and then Lowell Portfolio for the past six years. (I am in Scotland and did think of asking it to be written off a year ago, but I decided to leave well enough alone and sit it out till the full six years since the default date had elapsed.) Given that there's now no record of the two debts on my credit file with either Experian or Equifax, I found it rather strange that they would randomly do a search now? I thought once the six years had passed and there was no record of it on my file then it was completely gone?
  9. I very recently had two long-standing credit agreements removed from my credit file just after the six year anniversary of the original default date. These two debts were originally with Egg, who subsequently sold the debt onto Lowell Portfolio. I neither acknowledged or paid anything to Lowell and assumed that all was well in relation to this on my credit file, when both entries disappeared at the start of this month. Just today I got an alert from Experian (who actually had no record of these debts on my file, only Equifax seem to have had them recorded) that Lowell Portfolio ha
  10. Nothing else happened after that...I moved out some time later and have heard nothing since. This all despite having had at least one Bank of Scotland account, and subsequently two more. I realise that when June comes it'll drop off my credit file with Equifax (which is the only place I see any sign of it) but I suppose my biggest worry is that they could still somehow 'come after me' for the money after that date, because there was a legal aspect to it, even in the distant past?
  11. I'm in Scotland, I suppose I should get that part out of the way. I had a BOS credit card (opened the account in 2001), which had a balance of £ 8,246. I was no longer able to pay the monthly bill (due to loss of my job because of long-term ill-health) and, stupidly, stuck my head in the sand. (I should also point out that over and above this credit card I had been, and continue to be, a Bank Of Scotland customer, with both a saving account (that's a joke lol) and a current account. The default date was June 2007, and a decree was granted at the local Sheriff Court on 8
  12. I'm in Scotland, I suppose I should get that part out of the way. I had a BoS credit card (opened the account in 2001), which had a balance of £ 8,246. I was no longer able to pay the monthly bill (due to loss of my job because of long-term ill-health) and, stupidly, stuck my head in the sand. (I should also point out that over and above this credit card I had been, and continue to be, a Bank Of Scotland customer, with both a saving account (that's a joke lol) and a current account. The default date was June 2007, and a decree was granted at the local Sheriff Court on 8th January
  13. I receive letters from them on a weekly basis, none of which I have ever responded to but I'd really like to get this sorted out properly and not have these debts hanging over me, even if they aren't being overly proactive in their pursuit of them. Another complicating factor is, due to a marriage break-up, I lived with my parents for a few months until I sorted myself out. A lot of this correspondence now goes to my mum and dad's address and, as they're elderly, they're very anxious to know what's going to happen and whether someone's going to turn up at THEIR door. The letters range f
×
×
  • Create New...