this is what i dont get? i made an agreement with 3g (over the phone ) paid them on time so you'd think they'd be happy they are getting money,but then today they tell me it has been in the hands of a dc since june???? so why did they take 2 payments?? and why verbally set up a payment plan??

No,i've not sent a cca request yet,i'm going to try and get this done tomorrow,

one problem i have though is i do not know the account number??

i only have the details that are on my credit report and that only gives the last 5 digits.

also,do i send it to barclaycard?? or to link?

i only have the information that is on my credit file.

account start date:07/10/2011

date of default:19/06/2013

default balance:£143

i have recently paid £45 off of this though

account still listed as a debt with "hutchison 3g uk" nothing on there regarding "lowell portfolio" who they claim now has the account?

Unacceptable in my view... Email for your leisure...

I have just e-mailed him

is there anywhere i can ring/e-mail regarding this if i dont get a reply or a fair outcome??

had an e-mail from link saying they would settle for £5496! yeah like i have that!

welcome

 

its not a very good idea to move without informing your creditors sadly

 

this could lead to a debt being sold on

 

and a DCA getting a default CCJ obtained against a wrong address

that you'll know nothing about.

 

might be best to get an sar running to satans bank

 

and workout how much of this debt is penalties.

 

 

dx

can i still do this even though i have moved address???

whats the worst that could happen by me giving them my address??? just threatening letters????

i really don't have a clue??? i'd guess at 2011 ish but i could be miles off! is there any way i could find out?

Cant beleive what they've done!!

So...i have a few debts and normally just ignore all the letters and carry on with life,but recently decided i should try and get rid of the debt incase i ever need credit.

I owed three mobile around £150,so i called them up and set up a payment plan,they said no further charges would be added as long as i cleared it within 3 months and didn't miss one payment

whatever the amount of the first payment was is the minimun i could pay next time so i paid £15,next week i ring up and pay £30, as i had a bit extra and thought it would help,just rang up now to make a 3rd payment for another £30 and after being put on hold for 30 mins twice i ring a 3rd time today an ask for a manager,i finally get through to someone where i'm informed that the account is closed and any further payments must be made to lowell portfolio!! so although i haven't missed a payment they have sold the debt on?? i really dont know why though as i was paying on time and more than the minimum.

i asked the date that the account was sold and i'm told it was in june! so i ask why they took two payments from me in the last 2 weeks if it isn't there account any more??? "dont worry,it will help you lower the debt" is there response!

i then got annoyed,shouted at him and slammed the phone down

**feel free to move this of it's in the wrong section**

i only have the information that is held on my credit report,i have no letters/statements from them as i used to just bin them when i received them at my previous address.

Credit file lists the following:

Balance is £6800

default in july 2013

not sure of any ppi or charges?

I first got the card in 2005

I have a debt with the above company.

Was originally a barclaycard debt and is for nearly £7000.

all i get is the odd e-mail asking for urgent contact,they obviously dont have my address YET!

what can i do to get rid of the debt?

Thanks

Naylz

Hi,

I have a debt listed on my credit file with santander,it's from about 2 years ago,they allowed me to go £1500 overdrawn on my bank account.

They do not contact me regarding the debt as they do not have my current address,

i could easily keep hiding from them

i would like to get rid of the debt asap if possible + i'm sure they will locate me eventually.

can i wriggle out of it? or am i best of making a settlement figure?

Thanks

Naylz

welcome

start a thread for each debt in an appropriate sub forum for further input.

ok will do,thanks

Evening all

I would like some advice on 2 debt's i have listed on my credit report,both are a couple of years old.

One is with santander for around £1500

The other is with link financial (was a barclaycard) for nearly £7000.

I dont hear from santander as i dont think they have my current address! and link financial only contact me by e-mail asking me to call them urgently.

I would like to get rid of these debts and wondered what the best solution is?? have read about asking for credit agreements,is this something i should do? or am i better off offering a settlement figure?

Thanks

Naylz