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About quiettester

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  1. With certainty it's 6 years plus, wonder how I can determine this?
  2. Defaulted dates are: For the bank OD which has had no correspondence for over 6 years at the least, it says it is 10.05.2010. A total fiction this, I feel the DCA has made this up For the other one, they have said 29.06.2009 some 2 years after the account went into default in 2007. Looks like the DCA are making dates up?
  3. Thanks dx. There is a field in noddle which says "account created date" and this pertains to 2005. Having said this there has been no activity on said account for > 6 years so as per your advice it appears SB. should I send a SB letter to the DCA informing them of this? Their default date has a big red D for the month of sep 2013 so I present they are making things up here.
  4. It doesn't explicitly say that- the debt is from 2005 and no letters etc have been acknowledged. BUT the DCA has put a default on from sep 2013! Appears totally made up. What should I do?
  5. I'm totally confused! Debt claim 1: no actual transactions took place: no letters of acknowledgment were made. I believe the first payment should have been made a month after the purchase: ie November 2007. Debt claim 2: pertains to an old overdraft from account used by ex partner set up in my name. There has been no letters or acknowledgment of the debt for at least 6 years since when the bank seemed to put it in default in 1995. But the DCA says its default from 10.05.2010??? Debt claim 3:
  6. Thank you Eric'sbrother. Why do the DCA use dates set way after the actual date? What do you think I should do, write to them in jab 2015 of these are still showing on the report?
  7. Yep, the first example shows a default date almost 2 years after the date of when the account started (small credit with a little woods type catalogue).
  8. Hi, the last updated date for all three things is recent, September 2013. The actual default dates for each of the things appears to have been a date added by the DCA, so the dates given in my original sequence appear sound. I could upload a screen shot perhaps?
  9. I would hugely appreciate some advice relating to historic debt on my credit file now shown as in default: Looking on Noddle I have 3 things in default: The first of which is a small sum with an 'account start date' of 29.10.2007 - this date pertains to the date at which a purchase was made. This is being shown on Noddle as in in Default (D) every month of this year. The debt collection agency has written to me but I have not acknowledged their letters nor calls. They have apparently applied a default date of 29.06.2009 - some 2 years after the credit was obtained. Th
  10. Dear all, I was made redundant from my job in July. I was also quite seriously injured four days after being made redundant. As such, it has prevented me from returing to work swiftly. I have been served a s21 notice to vacate at the end of September. It has been correctly served. My question is: if I do not move out on the stipulated date what is the likely course of action (e.g. court action, eviction & financial costs to me) that will follow and over what timeframe? If I was to stay beyond my tenancy I would of course continue to pay rent as normal for any additional time that I
  11. Thanks for all this. I have filed an acknowledgement of service to prepare for my defence. I'm going to get all my photographs and my written attempts to contact the landlord together as a report and send this to the court. I just hope that the landlord will take stock when he sees this and hold off on the court appearance and sort things out directly (though I doubt this). I think that fact that he was ignored my grievance for over three months will not do him any favours in the eyes of the court! In terms of the damage and cleaning. I had a broken bedside lamp and some clothes and bed
  12. Cheers for your response slick 132. Please see my answers to your questions above.
  13. Thanks for your response. Please see my resposne to your questions above.
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