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Everything posted by yesilgozlerim

  1. i found my old post but it didn't let me comment there for some reason
  2. August not december. Not contact since CCJ threat August 2019.
  3. 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
  4. 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
  5. i’ve a £4333 debt so i will have to pay it off somehow
  6. 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 ?
  7. 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 )
  8. There’s no AP markers since my last payment back in December 2018.
  9. 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
  10. 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 !!
  11. Do the OC not have to default it in order to sell it on DCA then ?
  12. 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.
  13. Ok so I have received another letter from Lowell “ Payment Due “ And all the ways to pay or make a payment plan! Still no default notice from Hitachi .. Where do I go from here ?
  14. But I haven’t received any DN or anything other than they sold the debt to Lowell. How can i receive the letters they have sold it BEFORE receiving a DN ? It is odd ! or is it normal ?
  15. Hello, Just to provide an update on the situation, it as been 7 months since i made my last payment. I received a letter on 17th June from Hitachi telling me the debt had been sold to Lowell Portfolio 1, and also a standard letter from Lowell saying the account was sold to them and i should make payment to them. BOTH letters were in the same envelope. I havent received any more letters or calls since. I have NOT received any default notices and no defaults have bene applied to my credit file. IF and WHEN i receive a default from Lowell,
  16. Yes this is what I’m waiting for but they’re takin too long to default me and sell it on!
  17. So technically they should have defaulted me between jan -April 2017?
  18. No, they begin from August 2017 when I set up a repayment plan with them ( but the account has been in arrears since October 2016 .. just it has AA BB DM markers from October 2016 until August 2017...
  19. Hello everyone, I haven’t posted in a while last time I did, I was advised to let a loan dmp default rather than have ap markers on my account for life - so that’s what I did. My last payment was December 2018 to Hitachi. I had a letter giving me a refund of some back in February and just one letter last month stating I hadn’t made payments for my loan and to contact them... its been 5.5 months and I’ve had no emails , no correspondence of threatening to default , nothing..... most likely they will default me but what if they take too lo
  20. Aqua credit card was September 2013 but never had trouble paying until 4 months ago... Hitachi was Jan 2016. Vodafone March 2016 Fashion world....wasnt done by me but was done in my name by which I exchanged property with.... July 2016 Step change website tonight showed us be better off going for bankruptcy but i do t have nearly 700 quid to do it else I would ....
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