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Miahnick

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About Miahnick

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  1. Thanks for your quick reply BeauBrummie. I have been making payments ever since I made an arrangement with GE Capital (Now Santander) back in 2001 after they served me with default notice. I thought this one would dropped off automatically after 6 years from my credit report. But its only started appearing from early this year, 8 years after that notice.
  2. I have a problem. Default notice was served in 2001. 2 entries appeared this year. One from Santander/Debenham , showing as settled, and the other one is from (the famous) CL Finance. I wrote to Experian and after few emails they removed Santanders record. But CL Finances report still there. This one is showing as code 6 ( payment missed). Can they do this after 8 years? Any advice would be highly appreciated.
  3. I have a similer problem. Default notice was served in 2001. 2 entries appeared this year. One from Santander/Debenham , showing as settled, and the other one is from (the famous) CL Finance. I wrote to Experian and after few emails they removed Santanders record. But CL Finances report still there. This one is showing as code 6 ( payment missed). Now my query is: Can they do this after 8 years?? Please help
  4. I have now received reply from DCA for my CCA. They have sent me a copy of something. here it is Would someone please advise me on this. i cant read anything but name and address Thanks :confused: Scan0001.pdf
  5. :confused:Do I have CL Finances correct address? Companies House gives: Kingston House Centre 27 Business Park Woodhead Road Batley, WF17 9TD Experian gives : C/O LEWIS GROUP LAWRENCE HOUSE RIVERSIDE DRIVE CLECKHEATON BD19 3XT Their letters give a P O Box number. I used c/o
  6. 12+2 days now gone. Yet no reply from CL Finance. Would someone please give me the link for the next letter I need to send now. Thanks
  7. I just checked my Experian report and realised that C L Finance has reported the same debt that was reported by someone else before. Earlier one now showing as settled (saying special instruction end date 01/12/2006. The file was last update in January/08. CL Finance Ltd reported it again recently. Two entries now showing for the same debt. Should Experian accept two entries for the same debt?
  8. I just checked my Experian report and realised that C L Finance has reported the same debt that was reported by someone else before. Earlier one now showing as settled (saying special instruction end date 01/12/2006. The file was last update in January/08. CL Finance Ltd reported it again recently. Two entries now showing for the same debt. Can they report the same debt twice? Should Experian accept two entries for the same debt?
  9. Sent a CCA to DCA on 21st. Still waiting for a reply. But my credit report has been updated again this month with the same. I am still paying, but at a reduced rate. Can a DCA report it to a CRA?
  10. Sent a CCA to DCA on 21st. Still waiting for a reply. But my credit report has been updated again this month with the same. I am still paying, but at a reduced rate. Can a DCA report it to a CRA?
  11. Thanks 42man. Yes I am now trying to educate myself now. What a great site it is. But being an old man, it may take some time and also I am not very computer literate (trying thou)
  12. Send me too please. I have been trying to remortgage, since feb/09 without success.
  13. Thanks again dx. found that letter template
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