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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. 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 thei
  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 a
  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 repl
  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 c
  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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