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chattanooga last won the day on December 11 2011

chattanooga had the most liked content!

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About chattanooga

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  1. The account was probably in default before Cabot got their grubby paws on it. All they have done is update the account owner info, they aren't allowed to change the original default date.
  2. Natwest send me one of those "review" letters every six months, I have 5 now. I haven't sent them a thing and they have finally adjusted the "minimum payment" section of their statements to reflect what I am paying them. I genuinely think it's just a ruse to get you to phone them. You really shouldn't pay them a penny more than you can afford. Good luck.
  3. You are aware this thread is over a year old right?
  4. Not for me Brig, I (and the better half) ran up a chunk of personal debt but I haven't had a holiday in 7 years, there is no Jaguar sitting on the drive and there is a distinct lack of caviar, foie gras and truffles on the dinner table. I genuinely feel that most of the debt that is run up is to fund the essentials when the pay packet don't quite stretch far enough.
  5. If EOS say they are acting on behalf of someone else, I'd just ignore them. I did for nearly two years as I'm dealing with the original creditor and frankly EOS aren't worth the time and effort.
  6. To obfuscate and confuse the issue, precious little else.
  7. I just don't get this lot at all. I've just checked my credit file and the balance is recorded as owned by 'look again' but the account status is 'up to date' and the balance is £1 in credit. I still get occasional mail/call from EOS but I have it on record that the account is still owned by Look Again and I have heard nothing to suggest otherwise. I guess my question is, should I keep paying into an account which is now going into credit or just stop? I dunno, this situation is just weird and all for a balance of just over 100 quid.
  8. It means they'll go looking (if they can be bothered) for statements, credit agreements etc. Chances are they wont find much, if anything. Personally, I'd do absolutely nowt till they get back to you.
  9. While most of what our DCA friend Eduin says is offensive tripe... He is right about OC's offering discounts (presumably to get them off the books). I have two debts with different banks which both have the correct paperwork, no ppi, charges already reclaimed, interest is frozen, show on CRA and are continued to be reported on...yet they offered a reduced settlement (albeit a fairly small one). I didn't take them up on it on the basis that a) I could probably negotiate a better deal myself and b) I couldn't afford it (after all I've got all that alcohol to buy before I think about pa
  10. I've been thinking recently, conventional wisdom and advice on this forum seems to be to reclaim PPI and penalty charges on accounts (assuming of course they are legit) as soon as possible. This is indeed what I did and reduced the total balance by over £1500...sounds great, but... Here's my thoughts, if an creditor decided at a whim to go down the court route to retrieve owed monies it's one less thing to have in your defence if there are no longer penalty charges or badly sold ppi left on the accounts. My idea is we should perhaps leave the reclaiming until after the meat of the ac
  11. Don't mate, keep everything in writing, that way you have a record. It may be tempting to vent your spleen at them but anything said in a phone conversation is almost useless.
  12. Cheers Brig, is it appropriate to drop the payments down to £1 or even withhold payments altogether?
  13. Well, Brittania/Moorgate have failed miserably to send me anything resembling a statement of account. One balance (which is not quite correct) then...silence. As I have not had any meaningful statement since October 2010, is this a valid reason for putting the account into dispute? Thanks
  14. Can I just clarify something DX, if an account is defaulted, then six years pass, but payments are still being made. Do the payments beyond the six years simply not get recorded at all on the CRA?
  15. Sorry, but much of that is misleading. Creditors can and will get a default judgement on their say so...if, and only if, the claim is not defended. Now, the fact that you were not aware that a judgment was being processed (and therefore had no opportunity to defend) means that you may have decent grounds to have the judgement 'set aside'. More knowledgable caggers than me can help/verify. Only if they only hear one side of the story.
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