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Taz11

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About Taz11

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  1. Thanks for that, short and sweet is the best way to go.............made mine look like an essay. Really appreciate your input. Copied and pasted and will be winging its way to creation. Will let you know Thanks again, Taz
  2. Any better ?, thanks Dear Sir/Madam I demand with immediate effect, that you remove the above account from all Credit Reference Agencies. You will note from your own correspondence, that the default was issued on the 6th January 2009. ( Copy Enclosed )This, in effect would remain on the credit reference agency files for 6 years until 6th January 2015, and then be removed. The default has been logged again on the 8th June 2016 at an address I have not been living at for the past 4 years. I believe this action is frowned upon by the Information Commissioners Office and if you choose to ignore my demand to remove the account, I will seek compensation,forward the original default notice, and file a report with the Information Commissioners Office. Comply within 14 days of receipt of this letter with my demand and advise me accordingly in writing that the account has been removed from all Credit Reference Agencies. Sincerely, Mr *******
  3. Ok, sorry people, this had taken a back seat as it was the last one on my list, and I had to try and find ( amongst numerous boxes ) the original default. I've now found it and it was definitely dated the 6th January 2009 with the same account number that is on the CRA'S which had been renewed on the 8th June 2016 at my old address.!!!!! This is my letter to Creation, would/could you please advise if this is ok, and I'll send it recorded delivery. Creation Finance Limited Chadwick House Blenheim Court Solihull West Midlands B91 2AA. October 10, 2016 Mr ******* ******* ******* ******* ******* Account Number : **************** Dear Sir/Madam I formely request with immediate effect, that you remove the above account from all Credit Reference Agencies. You will note from your own correspondence, that the default was issued on the 6th January 2009. ( Copy Enclosed )This, in effect would remain on the credit reference agency files for 6 years until 6th January 2015, and then be removed. The default has been logged again on the 8th June 2016 at an address I have not been living at for the past 4 years. I believe this action is frowned upon by the Information Commissioners Office and if you choose to ignore my request to remove the account, I will initiate action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, and The Financial Ombudsman, and providing said authorities with the original Default Notice provided by yourselves. Please comply within 14 days with my request and advise me accordingly in writing that the account has been removed from all Credit Reference Agencies. Sincerely, Mr ******* Any advice appreciated, Thanks Taz
  4. Thanks dx100uk, I'm getting on to it. Will keep thread updated. G'night ppl, much appreciated.
  5. no, I didn't get a reply, no CCJ or further correspondence. How do I now put this in writing to Creation or do I go straight to the ICO as I have proof of the original default notice ? Thank you
  6. thanks dx100uk, I obviously have the original of that default ( as I scanned it for that post ) as I filed everything, and it will show all the original details How do I go about putting this in a letter now to Creation, stating that the default has been moved from the original date on the default notice !!!!. I can't wait to send this letter @gwebstech, I heard nothing, and the letter from creation proves they have no cca
  7. Thank you. I'm using the free Credit Reference Agency, Noddle, so just SAR to them ? and Creation
  8. Thanks Silverfox, I'll take a look for the file they sent, and if its not available I'll SAR. Much appreciated. I'll let you know and feedback. Regards Sorry, by CRA, do you mean a credit referance agency, equifax, experian etc... or the original debtor ? thnx
  9. Hi, I didn't take a printout of the orginal default date from the credit file as I assumed it would drop off................as all the others have, so no proof . I wrote them all down and checked them regularly. They have all now gone except for this one, which has "re-appeared". Thank you When I asked for the original request for the cca would they have enclosed a copy of the original default notice ?, If so, I may be able to hook it out
  10. Firstly, a big thank you to all the caggers over the years who have helped me with my debt issues. Its been nearly 6 years since I started sending requests for my cca's. Over these years my debtors have gradually fell of my credit file (without having proof of the agreements). ............and there was one I was waiting for, which would have completed the set, so to speak. This debt was with Creation Financial Services Ltd. The default was the 10/05/2010 so should have fallen off my file last month. This was registered in my old address. My credit report was gradually getting better, which I was pleased to see. I've now checked my report and Creation have renewed the default date to 08/05/2013 !! and its registered in my old address, which we moved from in 2012, hence the original default being in the name of the old address... ..and this has lowered my credit score again !!! What are my options with this ?. If I question it, how would I do so and does that make me liable for admitting to the debt. Are the debtors allowed to do this ?, since the original default was 6 years ago. If I leave it, I obviously have another 3 years to wait for it to fall off, and can they subsequently do it again ???. The amount is only £870 and its the last CC debt on my file. Any advice please, Thank you. ......and subsequently all the previous default payments are no longer appearing, only from May 2013.
  11. Hi ppl, I hope you can help or give advice in some way. I'll input some history and hope I can get it sorted. I was out of work for two years at my previous address and was able to get ctax benefit, visited CAB and they told me to offer a payment of £50 a month as I had no other income other than JSA, which was accepted by the council. Unfortunately over the months our house got repossessed, but I fought till the end thanks to help from you good folk on here and the site team. We lost the house, but I managed to get off the JSA and start my own small business (still with relatively low income), but I had made a positive break from the benefits. I informed the council that I could carry on making the payments, but they issued a liability order but still accepted the payments. This payment has continued for some time.............but unawares to me, I didn't realise a CTAX debt accrued over and above the £50.00 per month. They have now issued another liability order and told me they can no longer accept £50 as there is now an account of £7000 up to and including March 2015. I have rang them and asked where do I go from here.......and they have told me to visit CAB as I have a mortgage shortfall of £137000 ( another story) which I obviously can't pay. They said I should go down the Bankruptcy route as their amount would be included ??. Firstly, I don't want to enter the bankruptcy procedure as I now run a small business (which I've started from nothing) with a Lloyds Business Account and bankruptcy would obviously affect this....... ....and I don't want to cough up £700 to go bankrupt. I told the council if I had £700 I'd put it towards the tax to which I was told....... .." there are charities that can help you pay for bankruptcy". " Contact CAB and get back to us and we will put a hold on the liability order". In the event of having to go Bankrupt, I would rather the mortgage Company force ME to go bankrupt.... ..which brings me to my situation; I've read other threads on here that pretty much state, nothing can be done to obtain the shortfall out of me.. .perhaps you would be so kind as to advise what could/would happen in my situation. 1) We were repossessed in October 2012. 2) I am not employed, but self employed so court cannot go for attachment of earnings. (read this on forum, so don't know if true or not) 3)There is no CCJ at present against the shortfall. 4) We have no assets or savings and in rented accommodation. 5) There is no physical way of obtaining the shortfall or even offering payment plan........as I can't even afford council tax at moment. 6)I have not admitted to or acknowledged any shortfall or made any payment. I've read on here there can be various actions the lender/DCA can take.. ...either writing it off if there are no assets or monies to pay back (If I write a letter explaining this, am I admitting liability?) or they can go the CCJ route... .but again, if there is no money they simply can't have it ??. I've read a few threads that say just sit tight. THEY JUST CAN'T GET MONEY YOU HAVEN'T GOT, whether it be a shortfall or otherwise. The council obviously want me to go to CItizens Advice, but I don't want to open a can of worms with the Lender/DCA if I can sit tight. Would really appreciate any advice you could give me on this situation. I'm no longer a worrier, just want to go about it in the correct way. The dca/lender is something I can handle...but the council want me to find out about bankruptcy and get a debt officer involved. I now have all my cc's on hold and not paid a bean since 2008, so a few months and they will be statue barred. At the moment I am simply not earning enough (between my wife and myself) and cannot afford the CTAX...........but worried that they will go down the bailiff route. I had enough stress with the repossession and now have it again. Any advice as to what route I should take or what answer I should give the council would be greatly appreciated. I rang them a couple of days ago, so I'm sure they are awaiting an answer. ( I have continued to pay the £50.00 ) Thanks, Taz11
  12. Hi again, Checked a few of the links (some good info) and some are dead. At the moment I'm unsure as to what route the lender/dca will take, given my position of no assets (renting)/no money and no attachment of earnings available. What do you think their course would be ?. I'd be only too happy to write requesting it be written off due to all of the above.....but would I get very far with that. ?? ....or sit tight and let them make the move ?? Thanks again Taz11 (I'm going to post the CTAX problem on the appropriate forum )
  13. Hi dx, No, have never asked for a full list of liability orders. With regards to being " had over " , do you mean by the failure of necessary info from the lender/dca ?..or charges etc... I'll take a look at the link for the SAR, thanks Also will read your links...thanks. Time for some shut eye now, otherwise this is all going to be spinning in my head tonight...lol Thanks again, nite mate . Will re-post tomoz
  14. Well thats exactly what she told me on the phone..........bankruptcy would also wipe their debt. They can't force house sale, as our home is already repo'ed and we are in rented ? I can't tell you anything more than what she has told me.............and asked me to do ? thanks Taz11
  15. Hi, Thanks for the reply. The reason council are asking about BK ( i think ), is because they have told me, their debt would be wiped aswell if this route was taken. I think thats why they want me to ask CAB. When we were struggling to pay the mortgage I went CAB and they advised a payment to Council of £50......which I paid for quite some time. What I didn't realise, was that, you still owe over and above the £50 and becomes a debt. They have added previous years and up to and including until March 2015 and it amounts to 7,000 and they are saying (obviously) that £50 is getting nowhere. All other utilities are under control as we now have payment meters. All other creditors I have kept at bay thanks to the people on here and not paid a penny to credits cards/loans etc... since 2008, so this year will be 6 years and I am hoping I can go down the statue barred route. Thanks Taz11
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