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fitnesspt

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About fitnesspt

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  1. Looking for anyone with dealings or knowledge of woolwhich lending criteria. Situation is we currently have an off set lifetime tracker (0.03 above base) mortgage with woolwich at the moment soley in my husbands name. We are looking to move but porting the mortgage to keep the deal we have and will need to borrow additional to buy the new property, I now need to be added to the mortgage so my salary can be taken into account for the additional borrowing, but I checked my experian report and it shows 2 settled defaults one egg credit card £1800 which comes off June this year (defaulted Jun
  2. I'm not sure where I should post this if I need to move it to another part let me know please Looking for anyone with dealings or knowledge of woolwhich lending criteria. Situation is we currently have an off set lifetime tracker (0.03 above base) mortgage with woolwich at the moment soley in my husbands name. We are looking to move but porting the mortgage to keep the deal we have and will need to borrow additional to buy the new property, I now need to be added to the mortgage so my salary can be taken into account for the additional borrowing, but I checked my experian report an
  3. Hi there I have been having dealings with Lowell Portfolio 1 group regarding an unenforceable debt with shop direct, I had previously requested the CCA with littlewood-very-ndr-shop direct (the many a channel they have!) to which they replied with a NON signed copy of said agreement. Just my name and address as filled out by myself, the signature on behalf of littlewoods and NO signature by me, I then replied to the letter they sent me advising that what they sent to me does not fulfil the requirements set by the consumer credit act to be supplied with a true copy of any properly execute
  4. Hello, I had a letter from this lowell group back in Dec in reply to the letter I sent from the above link to advise they were waiting to hear from ndr/very with regard my letter. I have today recieved another letter stating ndr/very had returned their contact stating very have no record of my disputing them yet ndr/very confirming that I requested a copy of a signed credit agreement which they were unable to provide. Lowell group comment on hoping I was satisfied with that outcome and proceed to ask how I wanted to settle the "outstanding" payment with them. Obviously if ndr/very a
  5. Hey, I have an update, I have now received a letter from a Lowell Portfolio I ltd . The letter states 'We herby give notice of the assignment of the debt due to us from you in respect of the balance of xxxx outstanding on your shop direct finance company (previously known as Littlewoods finance company) retail brand account. On 18/10/10 your account was legally assigned to Lowell Portfolio I Ltd and as such any further communications and payments regarding the above account must now be addresses to...Lowell Portfolios I ltd's address. I noticed they had done a search on my
  6. How long should I give it before I send another letter out to them? I can't find the receipt with the tracker number to double check they did get it, especially after they sent out the statement the other week. I want to get the dispute off my credit file sooner rather than later, if it wasn't for them I'd have a beautiful credit file MoFo's.
  7. hey cerberusalert, I sent that letter above to NDR almost 4 weeks age by registered signed for which they received, yesterday I had another statement off NDR, like the regular monthly statements they send. as yet, I've had no contact by them in relation to the second letter I sent as posted further up requesting my CCA with them? what would you suggest I do now as my next step? thanks again in advance fitnesspt
  8. Thanks for the letter, I’ve printed it off and am sending it today/tomorrow. I'm a bit worried as you said about not signing it which makes complete sense but I didn’t know to do that with my previous letter requesting the CCA. Are they or would they likely forge my signature onto the agreement or now that they have already sent one to me without my signature is it too late for them to amend that? I've attached the letter and the agreement which they sent removing the data about myself. Your feedback will be greatly received. One other thing, they have put a notch on my cre
  9. Hi Hope someone can give me advise. I have an account with Very who used to be littlewoods. I fell behind with payments when I changed jobs and the bank stopped my DD to them when I failed to have sufficient funds at the time of collection, along with the collection date changing every month. It was passed on to NDR. I sent a letter to NDR requesting my CCA from them after reading threads on here knowing my account had been with them for some years, the letter was sent on the 23rd August registered post and believe they needed to reply to me by the 9th Sept as being 12+2 w
  10. Hi JSA12 I have recently sent an initial letter requesting my CCA to NDR, Thursday (9th Sep) is the 12th day in which they've needed to get their response to me by, as yet I've heard nothing. Just wanted to find out what was the outcome with your request, Ive heard that laws have changed and it is no longer possible to get 'unenforceable' agreements removed? Thanks fitnesspt
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