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Posts posted by exeterbay

  1. also, date of default notice says 05/10/2010 pay within 14 days but on the credit file the default was applied on the 04/10/2010!


    thanks dx, had a voicemail left today but deleted it too quick...! it was from from a company called west- something or other, ring any bells? thats why im back on here agin just to see whether i still just sit sstill and see out default? if i want to look at selling property what can i do to get rid of the 2nd charge?

  2. Hi All!! its been a while, just checked my credit file(my credit monitior) and MKDP are still there as holders of the secured debt which they purchased from Welcome, it says Residential Second Mortgage

    Account status: Default

    Date last updated: 18/07/2015

    Account opened: 24/01/2008

    Account opening balance: --

    Repayment frequency: Monthly

    Default date: 04/10/2010

    Original default balance: £0


    As you mentioned previously in this thread they cant do jack as they cant provide CCA

    and default is incorrect so



    can i not insist this is removed as every month a big 'D' appears on my file!

  3. Hi Really sorry to ask a question many have probably asked before!!!


    Where do I start with PPI!!


    I have managed to find out through the Land Registry all of the Secured loans and mortgages i've had on my property since I purchased it in 1999 but I don't have all of the account details I just have the dates.


    What is the best way of going about this?

    am I likely to have more success with some more than others?

    am I wasting my time if I don't have the account numbers?


    The companies that had secured loans/mortgages are

    from 1999 Nationwide,

    2001 Abbey & A&L,

    then 2004 Future,



    2005 Endevour (which changed to London Personal),



    2005 Kensington,



    2007 GMAC which changed to Mortgage Agency Services within a month!


    there is a mention of Southern Pacific Loans but I never took a loan with them!!


    Any help greatfully received

  4. well i did a little initial digging anyhow and found out who had mortgages on my house as i couldn't remember them all!! MASno5 , GMAC, KENSINGTON, FUTURE and a couple of loans ENDEVOUR, LONDON PERSONAL and SOUTHERN PACIFIC all of these since 2004( you can tell i ran into financial issues cant you!! its like a who's who of robbers!!) although i cant remember Southern pacific and i'm sure my ex-wife took out Endeavor when we split without my consent!!


    I'm interested to see if there could be PPI on them or other dodgy stuff so can i still SAR back to 2004? can i claim PPI back that far?


    Sorry if its in the wrong forum!

  5. Evening All,

    Does anyone know how the energy companies are supposed to inform you your tariff/deal is coming to an end??


    Mine (Scottish Power) came to an end October 31st 2014 but i didn't receive any letter/email 42-49 day prior to this date informing me it was ending.


    I received (via SP online portal) an annual statement on 4th November and included in this was one line stating 'you may want to think about changing'


    Then on the 2nd December i received an email (again via the Scottish Power portal) that my tariff had changed!!


    I know its March now but i didn't read the Statements at the time but if there had been an email telling me that my tariff was ending then i would have changed straight away!


    I'm now stuck on Standard online tariff paying through the nose and because i didn't notice until now

    and i'm in debt as i haven't paid enough on my direct debit each month so if i want to change then i've got to pay up £200!!


    I phoned SP and got fobbed off by telling me a load of bull which was total lies,

    so much so that the woman i spoke to hung up on me as she knew she was lying!! unbelievable!!!

  6. Well when i received the MKRR ' final letter and we are now considering our options and will send to litigation dept'



    some months ago and now this Raven '



    this really is the really final letter'



    then i thought they arent serious!!


    Do i need to do anything?



    Do you think they know about the dodgy default , t&cs missing etc



    and thats why they are just sending threats?

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