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About yesilgozlerim

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  1. Hi, have you got an update about Hitachi, Im in the same posiiton were they wont default my account but they havent sold it on yet. 

  2. i found my old post but it didn't let me comment there for some reason
  3. August not december. Not contact since CCJ threat August 2019.
  4. Hello, I haven't posted for a while and can't find my old posts. I had debt with Hitachi Capital Finance that they never defaulted and never marked my credit files with a default. They sold it to Lowell who threatened me with a CCJ but I haven't heard a single thing from Lowell or Anyone else since December. It's now May! I think that Lowell passed it back to Hitachi as they knew they couldn't get a CCJ from an undefaulted account I'm now at the stage where I want to know what's happening but if i send SAR to both Lowell, and Hitachi, will it w
  5. They only brought the debt at the end of June. I haven’t made any payments to Lowell. This letter i received yesterday from lowell was a ‘ Pre Legal Assessment ‘ stating that they may take legal action to recover the debt if i do not contact them to arrange a repayment plan! and no CCA request yet
  6. i’ve a £4333 debt so i will have to pay it off somehow
  7. what is saying is ...once i set up a payment plan with lowell then AP markers will be recorded whereas if it was defaulted prior by Hitachi then they won’t show when I set up a DMP with Lowell .. are you with me ?
  8. Yes DX, but my whole aim was to get Hitachi to default me , because once i set up payment arrangements after default , AP markers won’t be recorded. They just record the payments on the CRA and reduce the balance each month ( the same that Cabot have done with me for the last two years with another debt )
  9. There’s no AP markers since my last payment back in December 2018.
  10. Car is self help ? what do you mean ? I just am so confused about all of this. I thought that the debt must be in a defaulted status in order for Hitachi to sell it on. The account with Hitachi wasn’t and, with reference to CRA, hasnt been marked it with a default. It’s been 3 months ! Lowell bought it and have made payment requests which I haven’t responded to as no default. I don’t want AP markers stuck there why I was wanting the default. Any ideas what my next step is ? Thanks
  11. Ok so it’s been 3 months since Hitachi sold my debt to Lowell! Still no Default registered against any CRA. Clearscore ( Equifax ) is saying that Hitahchi closed the account with a Zero balance. Received a letter from Lowell now saying they may take legal action and apply for a CCJ . I don’t know what to do now !!
  12. Do the OC not have to default it in order to sell it on DCA then ?
  13. Not yet but that’s not my problem- it’s just that hitachi has sold it on to lowell without defaulting me and no DN or intention to default, and nothing registered on my credit files! I want that default applied.
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