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imogen_hun

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About imogen_hun

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  1. Thanks for that information Windsock. It's so disappointing to know that I settled the account in 2012 yet bad data can be shown until 2018 and all the way back to 2006, I would have been better off defaulting in 2010 (which is when I cleared off all balances and never used the card again) at least then it would come off in 2016. I really thought that as the months go by each marker drops off, it's shocking to know that they can keep showing 6 years before the settlement date. As barclaycard have reported the dates wrong to equifax, is their any statute that says I can ask for the
  2. Dear friends, I have checked my Equifax and Callcredit report’s in the last few days as I know I have some pretty bad looking marks relating to a Barclaycard I had a good number of years ago, I have learnt from the error of my past and have had a clean credit file for the past 5 or so years. The Barclaycard was not managed well by me (I moved address in 2008 after graduating, got a new job and got married all simultaneously and did not inform Barclaycard during this busy period until 2010), although I never defaulted just had a large number of late payments,
  3. Thankyou BRIGADIER2JCS, your efforts are greatly appreciated. Will get on with the account in dispute letter now
  4. Update: I sent them this CCA / Prove it letter on 28/12/11 via recorded delivery. Dear Sir/Madam, This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. After recently obtaining a copy of my credit file from Equifax I was concerned to note that your company has placed a "Default" notice against an alleged account I held with yourselves. I have no recollection of ever holding an account with yourselves, or any party from whom you purchased this alleged debt from. Further to this neither I have no recollection of ever receiving a ‘default’ notice, a
  5. I see, I did not know that the default title could be updated, so I understand now, the OC would have had their name against the default, and when lowfile bought it they put their name against it. I will follow the advice given and CCA lowlife. Really appreciate your help DX and Silverfox
  6. Hi Silverfox & Brigadier, I accept that if it is my debt I would have to leave it and not bother pursuing it, or even offer to pay off the defaulted amount of £200 in full with lowell agreeing to remove the default (if they would!). However it makes me angry that lowell have never sent me any letter stating they are going to default me, neither do I have anything that tells me where the original debt has arisen from. Its only for this reason im pursuing lowell to get some answers as to who the original creditor is. If they can tell me that and it is indeed someone I recognise I will
  7. Thanks Dx, problem is I dont even have the 16 digits, as all the XXXXX are actually shown as XXXXX then just the last 4 digits. As I dont know who the OC is, would I be ok to SAR lowells ? Or maybe write to Lowells first without SAR and ask them who the OC is. Paying it off might be easier with the conditions of removal of all negative data as you say, but I just want them to tell me what the debt relates to so I have the satisfaction of paying something that I actually believe I owe. Best sleeping on it.
  8. The full line is: Credit Card from Lowell Portfolio 1 Ltd (I) / XXXXXXXXXXXX1234 I assume it relates to the account number of the supposed debt (the 1234 is some other digits) Their are no references to the OC anywhere else in the report.
  9. USC are a high street clothing store. Problem is they may not even be the original creditor, its just the only purchase on credit that I can think of which I may not have paid. appreciate your help Dx
  10. This seem ok as a request for CCA and default notice ? Dear Sir/Madam Re: Account/Reference Number xxxxxxxxxxxxxxxx This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. After recently obtaining a copy of my credit file from Equifax I was concerned to note that your company has placed a "Default" notice against an alleged account I held with yourselves. I have no recollection of ever holding an account with yourselves, or any party from whom you purchased this alleged debt from. Further to this neither I have no recollection of ever rece
  11. Hi Silverfox, I would be happy to keep quiet and let it lie, but I desperately need to clean up my credit file within the next 6 months therefore want them to explain why this default is on my file in the first place. I guess I will have to contact lowell/ Experian to ask them both what its about and then dispute it. I know its a risky strategy, but if I find I did actually owe lowlife or their masters I will just have to cough up the £201, however on the other hand if I find out the debt has nothing to do with me I will fight them to get it removed. I guess I will probably send th
  12. Thanks Dx. Would asking Lowell to provide a CCA be useful? As this would show me where the debt has arisen from, and if I actually did take it out. Will carry on researching and post back here with any ways I can find of getting this removed from my credit card file.
  13. Hi Dx, Aah, I see. I think the original debt may be for a store card I took out at USC, but not sure as I only spent around £40 on that card. Can Lowlife show themselves as a creditor I owe money to on my experian report? Thats quite shocking as I have never signed anything with them
  14. Merrrrry Xmas, especially to all the very insightful and helpful members on here x
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