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paulessex

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Everything posted by paulessex

  1. Thanks for the reply. the so called HP was taken out in 2001, the default was put on my file in 2006. (i'd had no letters or anything) and as pointed out i never even knew there was a default notice on my credit file until a few days ago. and my car was paid up in full. what i don't understand is, why is it affecting me now as, two years ago i had two loans (£2000, and £1,500) from my bank, one is all paid off the other is almost finished i've never defaulted on either, i wanted another small loan and got turned down this is why i checked my credit file, why didn't they turn me down last time? after all i had two loans? I have one credit card that is upto date and in good order payment wise
  2. I know this is an old thread but i need to ask a question or two it seems Hillesden Securities have put a default entry on my credit file, the entry says its HP? and dates back to 2001, I had a car on HP back then but it was paid in full I had PPI and had to get a solicitor involved. and it was fully paid up. how can i get them to remove the default notice on my credit record until yesterday i had no idea this was on my file, until i checked my credit file for the first time ever. Do i send them a letter requesting proof. as this thread says? and do i say if they can not provide proof thay are to remove the default notice????
  3. I changed From Eon to Npower (first time i have changed suppliers ever) as Npower assured me they were cheaper then Eon? LIES they cost more I waited the 3 months and moved just to put you in the picture i have for as long as i can remember paid for my energy by meters when i left Npower I got a refund for gas £34.00, so thought oh maybe i will get one for electric too. instead i got a bill for £134.00 i phoned and emailed Npower asking how this was possible as i was pay as you go. All thats happend so far is I have and still am being ignored by them and NOW to make matters worse I am geting phone calls sometimes twice or more times a day from a debt agency called mackenzie hall after the money that had now go up to over £200 I tried to explain to mackenzie hall that how can i owe Npower any money when i have been on Key meter for over 20years all they said was not our problem you owe you pay Npower have said that I did not pay for any of the electric i had, i said then where has the money gone that i put on every week sometims twice a week ( always £15 sometims £20 a week) i told Npower to ask paypoint as the money must be somewhere. they have ignored every phone call ( know one from Npower has got back to me despite saying they would call me back) they have ignored all my emails and seems they have left it to mackenzie hall and evertime they call it goes up. mackenzie hall have called twice already today again and the last time i said if they didn't stop i would report them a bluff on my part as i've no idea who to report them to does anyone have any advice what i can do about this. its geting a bit much now mackenzie hall even call from differant numbers evertime they call
  4. found this site and find it very interesting what i have been reading. today had a phone call from MH, ( would love to know how they got my number as i'm ex dir) anyway the caller said all calls are recorded and he wanted to confirm some details with me, I asked what was it about and he said I NEED TO CONFIRM DETAILS WITH YOU BEFORE I CAN SAY? he wanted my address to start with? i asked again what was it about and he said the same thing again about confirming MY details (they have my phone number so they must know my address too Right?) i just said if your not going to tell me what its about i'm not talking, he then started to say Yet again ( and you could hear he was getting a bit mad) I NEED TO CONFIRM DETAILS FIRST, i then said ok if your not going to say what its about i'm going and hung up on him i have taken a copy of the letters giving on this forum and if i get one from them then they will get one from me. what i need to ask is i have been Advised if i send the letter to them I am to Add my name in in Caps before printing it out I was told NOT to Sign it?
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