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Markie1973

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About Markie1973

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  1. No, I have lived at my address for nearly 30 years and have been receiving begging/discount letters from them so they have my correct address, interestingly the account has been removed from my Equifax credit report over the past couple of days. Though I did take a screenshot which I have attached,shows the account marked as settled and no default date,interestingly since I took the screenshot a couple of days agoo this account has vanished from Equifax. This screenshot shows the discount and after checking my on-line account with BW they have wrote off half of the debt without informing me. Also showing as a closed account on Clearscore with zero balance, please delete both attachments if they are unacceptable etc?.
  2. I have checked my credit report and there is no court information registered, as for the entry it is showing as assigned to PRAC/BW Legal but showing as settled, loan taken out iin 2012 but to my knowledge I was not defaulted by PDUK.
  3. Yes it's through their online portal, what is the best course of action with this letter?, as I have not received a letter before action or a claim form, they also have my correct address as I have received letters asking for payments/discounts in the past.
  4. First of all I have just looked on my on-line account and set up a repayment plan(which maybe a mistake on my part) and received a auto generated letter confirming the plan, however I have noticed that there is a paragraph which states 'We note that you admit the amount claimed and as discussed we have contacted the court and informed them of this and requested that they enter Judgment on admission based on the amount you are able to afford to repay.' However, I have not received a Pre Action Protocol letter before action and neither have I received a Claim Form in the post from the courts, also BW Legal have never discussed anything with me as I have not telephoned them, this auto generated letter was dated today 02/03 and was received within minutes. I have checked my credit file and interestingly this account is showing as settled even though it is showing as PRAC/BW Legal being the owner of the debt which was assigned to them back on the 09/12/2016. The original loan with PDUK was taken out on the 16th December, 2012 for £149.00, never received a default notice or notice of assignment and no payments was made to PDUK, given the date will it be safe to say that the debt is Statute Barred or does setting up a repayment plan reset the Statute Barred clock if that is the case?. Many Thanks.
  5. I used to have a Administration Order but that was paid up and satisfied and no longer shows on my credit reports, in fact I had forgotten about that post from 2012.
  6. Hello Bazooka, the last correspondence I have from BT was from April 2016 asking me for payment, they never acknowledged the dispute on both accounts, though I have e-mails etc confirming my contact with them.
  7. Thanks Andy, do you think it will be worth sending them an e-mail requesting the name and address of the official receiver that they intend to contact and where they got the information that apparently I am insolvent/Bankrupt etc...etc as I have not received any official paperwork of any kind from any Insolvency Practioner or Official Receiver and I would love to see this.
  8. Hello Andy, yes I have two BT Mobile debts and both are disputed with BT
  9. Hello again, I have just received two letters out of the blue from Lowell informing me that two debts from BT Mobile which had been sold to them, both dates of the sale being 22/02/2018 and the letters dated 13th March. I am worried regarding a paragraph of both letters which states 'We are aware that this account forms part of your insolvency(?). This letter is not a request for payment. Please pass this letter and attached Notice to your Insolvency Practioner/Official Receiver. Lowell Financial will also contact your Insolvency Practioner/Official Receiver to inform them of the changes(?) If your circumstances have changed, and you are no longer insolvent, please call us on 0333 556 5990 to discuss payment of this account'. Now I have never been made insolvent or bankrupt and I have checked Experian,Equifax and Call Credit and also the Insolvency Service register and there is zero information about me supposedly being bankrupt or insolvent according to Lowells. Is this a tactic by Lowells to scare me and to get me to call them?, which is the best course of action I can take regarding the letters I have received from them?. Many Thanks
  10. Here is a copy of their e-mail minus all of the twaddle. 'OUR REFERENCE: Mxxxxx ORIGINAL CREDITOR: CURRENT OUTSTANDING BALANCE: £xxx Dear xxxx We would like to speak to you regarding the payment arrangement set up on your account(s). The last instalment(s) due on the xx/xx/2018 of xx.xx have not been received. If your circumstances have changed or you are unable to make this payment(s), please contact us on 0113 887 8587, or e-mail us at customercareteam@mmile.com Our dedicated team are able to revise your payment arrangement if necessary based on your current situation. Our opening hours are Monday to Friday 8am to 6pm and Saturday 10am to 1pm. Please contact us urgently within 5 days. Yours sincerely Motormile Finance UK Limited (MMF) Please Note: As of March 8th we will be changing our name to Lantern – click here to find out more.'
  11. Just a quick heads up, I have received a e-mail threat-o-gram which has been placed in my File 13 (the bin!), however I noticed at the bottom of the e-mail that MMF is changing their name to Lantern as of the 8th March....... Apologies if this has been posted but I thought that you all should know!.
  12. Hello again DX, well we are talking about the HMRC and the DWP here..........both as bad as each other!!!!
  13. Just a quick question I recently received a refund from the HMRC for a overpayment of Tax, the amount was for £207 and covered the period between 06/04/16 to 05/04/17, does anybody on the forum know if this is taken into account by the DWP when it comes to payment of Universal Credit?. I have had a look on the internet but I can't find any clear information on this, so I hope you can help?. Many Thanks in advance.
  14. I have been 'through the mill' with this lot as well, made the complaints which involved the CEO but was passed to pillar to post and ended up with a resolution which suited them. You was lucky to receive a notice of sums from Brighthouse, I never received the notice of sums or a default notice from them and it was only by accident when I checked my credit report that Brighthouse has registered a default notice,needless to say that I have now informed the FOS and the ICO of their games as I have a trail of the e-mails that I have sent them - also I sent Brighthouse further e-mails regarding the notice of sums and default notice that I never received but as expected they have not responded. Also I returned my item back to my local store months ago before the default was registered on my credit report, who then tried to pressure me in to a re-write, I politely declined and the store assistant advised me that my account is closed with nothing further to pay and I will receive a letter confirming this, guess what? like the notice of sums and default notice I did not receive nothing. Interestingly on checking my credit report again my account is marked as closed with Brighthouse, just waiting now for anything else further to happen and I will have a field day with them.
  15. The device has long since been returned to the store and despite the sales person telling me that I will receive confirmation that my account will be closed with nothing further to pay or owe, I have not heard a peep from Brighthouse regarding this and as per e-mails have been ignored. Should I still be on my guard for further action by them?.
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