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wannabeedebtfree

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About wannabeedebtfree

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  1. I sent them a letter, from the template above. I signed the document as stated above. I received a reply from them acknowledging my request but saying I will need to resubmit my request with proof if ID (copy of driving licence or passport). Then they will comply within the time scale. They also sent back the postal order and a copy if the letter I had sent. I have already filed a complaint with the financial ombudsman but that can take at least three months they said. What should/can I do now? They are ignoring my requests and just sending letters back to me.
  2. Nope, It shows a '?' for 6 months. I believe this indicates that payment information could not be provided. Does this indicate anything else? Thanks for your input on all my threads dx, what a guy.
  3. CRA file also shows that "the lender could not provide account information(?)" for a 6 month period before the default was issued. Fishy?
  4. Of course, I just checked online. It was taken out on 05/10/07
  5. I dont have the exact date to hand but it was the end of 2007. Id say, October/November 2007.
  6. Is that unusual for LittleWoods? Plan is to clear the debts on my credit file at the lowest possible cost. I realise the default wont come off my file till the 6 years is up.
  7. Last one, the big one! Thanks in advance for reading. Type of Debt: Collecting: Moorcroft ('Acting on behalf of' Barclaycard) Status: Default (18/07/12) Balance: £7075.00 (as per credit report) Last Payment: Token payment on June 2012 06/01/13 Request for CCA & 25% F&F offer sent to Moorcroft. 09/01/13: Acknowledgement letter received from Moorcroft. 02/02/13: Counter F&F offer of 90% of balance due, valid for 10 days. - I did not respond to this letter. 12/02/13 Received a letter from Barclaycard showing: a) Statement of my accou
  8. This is debt 4/5. Really annoyed at myself for getting this additional default. At the time I thought "oh well, whats another default going to do..." Silly boy. Type of Debt: Credit Card Collecting: Moorcroft (Only 'Acting on bahalf of' Halifax) Status: Default (19/10/12) Balance: £705.00 (as per credit file). Last Payment: August 2012 Penalty and interest charges already reclaimed. 28/12/12: Letter received from Moorcroft offering a discounted offer of up to 20% depending on my personal circumstances. I did not respond to this letter. 06/01/13: Letter sent
  9. This is debt 3/5, then I will stop creating new threads for a while! My aim is to clear these debts at the lowest possible cost to myself. If someone can tell me if I am doing the right things here and what action I should take next, it will be very much appreciated. Type of Debt: Mail Order Collecting: Lowell (Now own the debt. OC is LittleWoods) Status: Default (04/01/2011) Balance: £1120.00 (as per credit file). Last Payment: Jan 2010 Penalty and interest charges already reclaimed. 06/01/13: Letter sent requesting CCA. 29/01/13: Sent another lette
  10. Again, my aim is to clear these debts at the lowest possible cost to myself. If someone can tell me if I am doing the right things here and what action I should take next, it will be very much appreciated. Type of Debt: Credit Card Collecting: MBNA (OC) Status: Default (31/07/12) Balance: £1153.00 (as per credit file). Last Payment: September 2012 Penalty and interest charges already reclaimed. 06/01/13: Letter sent requesting CCA. 17/01/13: Received a response with: a) Copy of my executed agreement b) Up to date t&c's c) Most recent statement (w
  11. 16 years... that is commitment! Good luck to you too. It is frustrating already but I want them to prove to me that I owe them any money. Also, I believe they are not allowed to default me if the account is formally in dispute. In which it will stay until they produce a valid CCA. Is this correct?
  12. I have copied images of the letters HFC are sending me but at this moment, I am not able to post images or links.
  13. My aim is to clear these debts at the lowest possible cost to myself. I have other defaults on my credit file and I dont want it to get any worse. If someone can tell me if I am doing the right things here and what action I should take next, it will be very much appreciated. Type of Debt: Personal Loan Collecting: HFC (OC) Status: 3 Late payments Balance: £273.00 (as per credit file). Penalty and interest charges already reclaimed. 06/01/13: Letter sent requesting CCA. 14/01/13: Received a reply asking for a signed request and photo ID before they can compl
  14. Thanks for the response. What can I do if they issue a default notice? Edit: Have now read "therefore this account is formally in dispute."
  15. Thank you for your response. I will start new threads for each account. This will keep things more organised. So if my accounts are already marked as defaulted on my credit report, you suggest I don't settle the accounts at all? Or offer £1 token payment for life or...? Many Thanks
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