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About gumbobriggs

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  1. AOS now filed, had to wait to get the OH's gateway ID to log in as I work nights and she works days, so we're like ships in the night letter to Hoist (Cohens) being sent in the morning post by signed for. something just hit me and I had to write it down before I forget! the OH paid wescot upto sept 2011 hoist say debt assigned from MKDP and claiming interest from march 2011 that can't be right can it?
  2. Sorry, I hadn't seen that post! As I said, this is for the missus's debt not one of mine... Name of the Claimant ? Hoist Portfolio Holding 2 LTD, Jersey Date of issue 15th March 2017 (received 17th) What is the claim for? 1.This Claim is for the sum of £732 in respect of monies owing pursuant to an overdraft facility under bank account no. (sort)/(account) The debt was legally assigned by MKDP LLP (EX HSBC) to the claimant and notice has been served 2.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account 3.the claimant claims 1. the sum of £732 2. Interest pursuant to s69 of the county court act 1984 at a rate of 8.00 percent from 15/03/11 to date hereof 2188 days is the sum of £351 3. future interest accruing at the daily rate of 16p 4. costs What is the value of the claim? £1233 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? no idea, she opened the account well before 2007, and the overdraft was active before that too Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. They apparently now own it, but I've never heard anything from them to tell me this. Were you aware the account had been assigned – did you receive a Notice of Assignment? No, nothing was ever received Did you receive a Default Notice from the original creditor? Possibly, it would have dropped off her credit file by now Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No What was the date of your last payment? September 2011 to a DCA (wescot, against my advice) payments stopped as we were still in financial dire straits. I was out of work, disabled so only her wage coming in. Loads of payday loans. originally dumped HSBC because of charges
  3. Received Court papers yesterday from Northampton bulk for an OD from an HSBC account the missus left in 2008 (moved to Natwest Nov 2008) They're claiming £732, plus interest for 6 years 15/03/11 to 15/03/17 plus fees total 1233 Now, I don't have exact times when HSBC would have stopped the OD and recalled it, but obviously it would have been stat barred by now. But in 2010-2011 the missus, against my advice wanted to 'do the right thing' and and paid one of the previous DCAs (Wescot) some money per month. last payment was around September 2011. Here's hoping their paper trail is seriously faulty.... any advice please. I've a little idea on what to do. I would like to see if I could contest this and make them prove it isn't statute barred (make them come up with the paperwork) I need to do acknowledgement of service, then do I send a letter to the DCA and HSBC for info? thanks for any help I should mention it's Hoist Portfolio that are the claimants, Cohens are just the document address
  4. Hi, sorry, I hadn't got back sooner. thanks for all the replies and advice so far. Callcredit replied 2 days ago, here a the main bit quoted from the email: "In regards to the address link to 26 XXXXXXXX XXXXX, Romford, XXX XXX this is registered to a few open accounts on your credit report, therefore this suggests to our disputes team that you have a financial connection to it and it cannot be removed. Please contact Halifax and Santander to discuss the information that is being shared with credit reference agencies." So despite telling them the link was created by 1st Credit and telling them that I'm not the person that they belong to, they're telling me to talk to the Halifax and Santander - which won't talk to me as these accounts aren't mine to discuss. Looks like I'm going to have to do what I didn't want to do and actually write a letter to 1st Credit. I hate talking to DCAs, moreover the fact that I will be confirming my actual address to them I've also replied to Callcredit telling them I can't speak to these 2 about those accounts if they don't belong to me and reminding them that it also includes a CCJ in this guy's name. Do i take the first date of dispute as the start of the 28 days or does it reset each reply?
  5. basically this is what's happened so far: I raised a dispute through the website got a reference number emailed, then a day later a reply saying something along the lines 'it's staying' sent a reply to the email they supplied. got a reply telling me 'sorry to hear you've found something wrong, to raise a dispute through the website' but I can't raise another. so replied again and just waiting for the reply from that. I've a feeling I'll be going round in circles for a bit....
  6. forgot to mention - when I spotted this I got my othe files from experian and equifax and it's not on either of them. it's just callcredit's file
  7. Swinton Insurance brokers are parasites - charging ridiculous amounts for the most basic of tasks. I swore a few years ago not to use them again after getting over 140 quids worth of charges on a policy worth 120 quid! We cancelled after they renewed without asking us - and then they said we owed them £50 for the privilege. They sent the 'debt' to a DCA but wwe just ignored them. the letters have stopped and there's nothing on the credit file about it. that was a year ago
  8. Well, it's been a while since I've been on here. it was thanks to you guys on CAG that turned my life around in 2005/6 and stopped my stupid spending/credit splurge. I sent the prove it letters to my creditors and that was that. they screamed, shouted and yelled. threatened allsorts, but I stood firm and in the end the debts have fallen off my file. so they can 'nanas for it now. (still get the occasional letter asking me to contact them to discuss payment terms - yeah right) but anyways - hi everyone! I posted this on the Facebook group, and after a few replies and digging a bit , it was suggested I post it on the main forum pages for more thorough advice. So here goes. Once the date passed for the debts I talked about above to drop off my file, I got on to Experian and Equifax and got hold of my file. at the time. I thought to myself. heck. that'll be enough. Sure enough. I was debt free (in the eyes of my file anyway) so I left it alone. Few years ago (2012 ish) me and the OH decided we needed a loan to wrap up a few debts that she'd got before we met and to make life a bit easier. I'd been knocked out of the work market by a broken ankle that didn't heal properly and was on DLA at the time. She got refused as we'd had a few problems in the while I was off. So I thought. let's use my nice fresh credit file! result (ok so we embellished the application forms to make it look like I was earning) - refused I put the refusal down to income, but it didn't help our financial problems. So out came the payday loans. Soon we were borrowing from one to pay the other. And then my DLA stopped despite me not being able to work. I wasn't eligible for benefits as the OH was earning too much. so we spiralled. I've ended up with 4 defaults on my file again. and the OH had a handful too. So here comes the kicker. being the 'old hand' at the debt game that I am, the DCA can't frighten me. They keep hitting a dead end with their threato-grams So I decided recently, out of curiosity, to sign up for Noddle, since I could get my credit file for free. Of course, this would be the first time I've ever had my credit file from Callcredit. I get my gile and what do I find? In July 2011, 1st Credit created a link between me and someone else with the same forename, surname and DOB as me, but they are from Romford Essex. I'm from Sheffield - lived here all my life. never lived anywhere else. The difference is, my middle initial is L and this guy's is P on my file now is this other guys: Full name, Address DOB Mortgage and Mortgage account details + history His personal bank account A CCJ he received in January 2011 So no wonder I couldn't get credit. I've asked Callcredit to remove the address, name and accounts but they have so far refused citing that there is a proven link. I've sent a rather strongly worded email suggesting that I could report them to the ICO for a breach, not sure if that is right so what now? any suggestions? (sorry for the long rambling post!)
  9. I meant the previous employer We've never had any dealings with the council which has involved us informing them of my partners work details, so how they've come up with these details that are 2 years out of date I'll never know!
  10. So, the council don't have to issue the N56? also, what happens if the council can't be bothered to get the correct details? we've recieved a council issued AOE but it's been sent to my partner's employers that she left 2 years ago! we certainly don't and didn't want them knowing our personal business!
  11. Hi, This may well be a long post, so bare with me My sister in law had an accident at the beginning of October. There's no problems with the 3rd party, they admitted it (they couldn't do anything else, they pulled out on her). They wrote her car off. Her insurance company has just sent her a cheque, after valuing her car at just over £2000, for £1400. We thought it was because of the excess, so, as the other party admitted it, she phoned them this morning asking why they had taken the excess. This is where it gets a little complicated. She's insured through Budget, by a company called Sabre Insurance. She spoke to Sabre, and they have stated that the £1400 is because the car was written off in July! Now, we know why they would think this. In July, while her car was parked, someone or something hit her car doing some damage to the backdrivers side corner. She initially called Budget to report it (she didn't know it was actually insured by Sabre at the time) but after the first call, we had a local garage look at the damage and they said they would charge £300 to sort it out. As this was a lot less than her excess of £750, we decided to lend her the money and get it done without going through the insurance. She phoned Budget to cancel the claim right there and then. Which they said they would do. So fast forward to the latest incedent. Sabre are claiming that they never got a cancellation from Budget for the claim in July. They say they are paying out on the fact the car was a total loss in July, despite that claim being cancelled. So, she's lost £700 or so because of this, so any ideas who we sort this out with? they shouldn't take anything off the payout at all!
  12. Hi all, I've seen the deeds (well a transfer letter and copy of the land registry) and it doesn't say anything about shares in the property. I was thinking, we do have a rent book, so would this be classed as shared ownership? If so, can I still claim LHA for the rent part? I've been turned down for CTB, so I don't think we'd qualify for LHA anyway, as it seems my partner earns too much.
  13. I haven't seen the deeds themselves, so I don't actually know if they state who owns what. I'll have to get them to dig them out, as the LA will need to see them anyway. Thanks for the reply
  14. I put my claim pack in person, to the local office recently. They told me they no longer need to see bank statements. The claim form said I needed them though, so I took them anyway (printed from online banking (we don't recieve paper statements anymore)) Don't know if this is the policy nationwide though...
  15. my general rule is to keep any paperwork from Government/Tax Man/Local Councils - they generally don't have any limits imposed in regards to grabbing money/goods/freedom, time wise I still have my first ever letter from government (NI card letter) and *every* letter/paper since I left school (over 20 years ago! I feel old!) You never know when the big man will come a'knockin'!
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