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Everything posted by lucie1211

  1. Woops sorry! will continue on this, I called up Northampton CCBC for the CCJS but they said it would take 10 working days and I had to pay £10 each for the judgements and 'claim forms' cant be repeated. so awaiting those so i can get some advise on those. Also gratefully I do not, my partner works in rolls royce so he could afford to buy the house under his own name until my credit file has sorted- I have nothing in my name anyone can take apart from myself, I can afford to pay off these debts but as you said, it wont make a difference to my credit file, and if they bought them for pence I think its hardly fair. also this statement " BUT that doesnt mean the debt goes away mind and are not a danger too you. " could you specify what you mean, are you saying a debt from 2010 could somehow come back now? " FYI I have donated due to all the help you guys are giving
  2. Yep!! Cant believe I did it! this is why this website has been invaluable!! Yes moved home ( a lot in uni ) of times now in a house they have sent me a few letters here but i Havent put my name on electoral roll because Im worried someone will come knocking it looks like i might just have to wait till 2024 and they will all ( BUT ONE ) be dropped off & ill have a sparkling credit file NAME START DATE DEFAULT DATE REMOVED AMOUNT ORIGINAL CREDITOR Hoist finance 13/05/2015 15/11/2017 15/11/2023 1529 Bank lowell 30/09/2015 01/08/2017 01/08/2023 513 Capital One Credit card lowell 11/12/2016 20/09/2017 20/09/2023 252 Three Utilities lowell 10/12/2016 20/12/2018 20/12/2024 248 Three Phone lowell 10/06/2017 17/04/2018 17/04/2024 305 Very ( Shop Direct) Retail Finance lowell 02/12/2016 02/12/2016 02/12/2022 1179 Vodaphone Phone lowell 27/01/2016 15/01/2019 15/01/2025 858 Three Phone PRA Group 10/12/2015 11/09/2017 11/09/2023 1202 Lloyds Personal loan PRA Group 22/07/2016 11/09/2017 11/09/2023 744 Lloyds Personal loan Scottish Power 06/05/2016 27/12/2017 27/12/2023 432 Scottish Power Utilities
  3. @Andyorch BINGO. logged into the portal without having to speak to them.. its not looking good ( how I got myself into so much mess with telecommunications i dont know) Capital One Your Reference: 290290 Balance: £513.08 There are no payments set up on this account. Shop Direct Your Reference: 292099 Balance: £305.44 There are no payments set up on this account. Three Mobile Your Reference: 346966 Balance: £248.76 There are no payments set up on this account. Three Mobile Your Reference: 373637 Balance: £858.31 There are no payments set up on this account. Vodafone Your Reference: 251398 Balance: £1,179.33 There are no payments set up on this account. Sky UK Limited Your Reference: 342050 Balance: £116.96 There are no payments set up on this account. SSE Retail Your Reference: 375354 Balance: £205.86 There are no payments set up on this account. Three Mobile Your Reference: 305887 Balance: £252.98 There are no payments set up on this account. Orange Your Reference: 131132 Balance: £443.10 There are no payments set up on this account.
  4. VERY stupidly a day before I found this website I paid them £50 to something ( no idea what account she didn't say she told me i NEEDED too and i got all worried) on the 9th October 2018. before that never only ever spoken to them once and that was then!
  5. Hey @Andyorch Yes, all 6 of them, I have moved around so much Iv lost all of the letters but do remember them coming in full force. They also texted me today too saying i can "manage my account" online. Heres a screenshot of the top of one of the emails which give me a snapshot of (what I have but not all of them) that I got recently but it doesn't match up with the amounts on credit file. & directly below is whats on my credit file. Name. Start date. Default date Amount lowell 30/09/2015 01/08/2017. 513 lowell 11/12/2016 20/09/2017 252 lowell 10/12/2016 20/12/2018 248 lowell 10/06/2017 17/04/2018 305 lowell 02/12/2016 02/12/2016 1179 lowell 27/01/2016 15/01/2019 858 Anything after 2017 I never not paid so I dont understand the default anywhere close to now so Im going to so the sar suggested. Just need to know who the heck they are so thought logging in would be best idea http://www.streamail.co.uk/content/images/3F83B8B4-F575-48F3-B328-9B308EC1191B/Lowell_Logo_RGB_Colour_AW.jpg YOUR OUTSTANDING ACCOUNTS ORIGINAL COMPANY NAME LOWELL REF BALANCE Sky UK Limited 34200051 £116.96 SSE Retail 37354222 £205.86 Three Mobile 37337214 £858.31 £ £ £ 11/02/2021
  6. Hey @Andyorch because i have about 5 Lowells and i have no idea who and what they are, Only thing i can see if 'retail finance' on one and others is 'Telecommunications' 'Utilities' i thought that maybe if i logged onto their portal it would tell me who its from ? ( they are from 2016/17 so i cant remember ) TIA X
  7. Just donated - I have been given some invaluable advice from this website!!!

  8. Just a quick one before I log on to lowell online, if i do this its not going to reset any date is it? @dx100uk ps i really do appreciate all your help!
  9. So sorry but what is oc and sar? have tried to find the thread? thankyou ah ignore me its just underlined and I found sar
  10. Hey, back again trying to sort my credit file - just a few questions, How can I make sure of default date I have a few debts which dont make sense date wise & I'm worried Lowell might have brought it forward ( or is that not a thing?) I'm 99% sure I defaulted before this . attached bellow example & the payment history only goes up to the default date. Can I contact Lowell to ask some questions without penalising myself (not sure if they will refresh anything?) Is the default date from when I defaulted with the original or when they bought it? Thankyou so much in advance, I have learnt so much already! Lowell Currently open £248 Current balance OVERVIEW Account type Telecommunications Supplier Status Default Account number **************6351 Last updated 06 Sept 2021 Start date 11 Dec 2016 PAYMENT INFORMATION Opening balance £108 Repayment frequency Monthly Date of default 20 Dec 2018
  11. last year i went on my credit file to find a random CCJ for £340 on my file.. i had NO idea about this and I do open all my post i have moved house but updated everything i needed too have not got around to sorting it out because i know what it is as i can sort it as i know 100% its a mistake on their behalf.. now i just got a letter today from NEWLYN saying they want to recover the CCJ money of a second one.. looked on my credit file and one parking solution LTD wacked it on there ( parking ticket ) last month. how can they just do this without me being aware or even notified, surely if they can send a debt collection instruction.. they can make me aware of it all?? My credit file is on the floor anyway. . but still just to say this parking ticket must be 2+ years old.
  12. I thought that maybe that post was forgotten about and wanted to give a clearer question on what i wanted to know as i got a little lost, sorry! & not living at any of the addresses but one has been updated to my current address, and getting letters maybe by-weekly.
  13. Thankyou for replying So a CCA wont really do anything? A copy and paste from credit file Lowell £ 513 updated 06/01/2019 Default Name Miss Lucie Address Flat *** Date of birth ** Account type Credit Card Account number ***************147 0 Account start date 30/09/2015 Opening balance £ 518 Repayment frequency Monthly Date of default 01/08/2017 Default balance £ 518 -- Lowell £ 305 updated 06/01/2019 Default Name Miss Lucie Address ** Date of birth ** Account type Mail Order Account number **************9603 0 Account start date 10/07/2017 Opening balance £ 208 Repayment frequency Monthly Date of default 17/04/2018 Default balance £ 208 -- Lowell £ 252 updated 06/01/2019 Default Name Miss Lucia ( miss spelled my name ) Address*** Date of birth *** Account type Telecommunications Supplier Account number **************7721 0 Account start date 11/12/2016 Opening balance £ 34 Repayment frequency Monthly Date of default 20/09/2017 Default balance £ 34 --- Lowell £ 1,179 updated 06/01/2019 Default Name Miss Lucie Address *** Date of birth *** Account type Telecommunications Supplier Account number **************8434 0 Account start date 16/12/2014 Opening balance £ 1,234 Repayment frequency Monthly Date of default 02/12/2016 Default balance £ 1,234
  14. getting my credit score back to normal but having to sort out the issues i created in the past... , I have 4 Lowell's defaults on my credit file, issues one from Vodaphone ( 1229.33 ) Capital One (513.08 ) Very Account ( 513.08 ) and an unknown ( balance 252 but account balance is at 34?) I have had ONE telephone convo with them and paid them £50 in October 2018, didn't really understand what I was doing but the lady super pressured me into paying some money instantly, ( i then came across this website) Some of these I had no idea about until I checked my credit file, now I understand I can send off a CCA Request, few questions... 1. if successful could the defaults be removed from my credit file or would it be simple to stop asking for money? 2. I read someone that mobile phone contracts are exempt from CCA 1974? Also, I have heard from Lloyds when I went to go and pay them that they have now sold my debts to robbins way morecroft and credit control ltd (Lloyds account opened in 2016) ... what is the best way to respond to these people when I start receiving letters? Any help or advice would be SUPER appreciated Also, I want to Thank you so SO much in advance, taking your time out to help people with your knowledge!!
  15. Ahh amazing thankyou!!! okay and in a short explanation if you don't mind... a CCA will enable what kind of good outcome? Also, does it matter if I have contacted them or paid or not ( not sure if they see this as you owning up to be accountable for the said debt ect.
  16. Hey. Newbie here.. Okay, Sorry this might be a long one as I don't want to miss anything out! So over the 26 years ive been alive I have got myself in a pickle; default city to be honest, mostly low-level everything combined is under 8k. I have just got a lump sum of money to pay off my debts to help recover my credit score so I can one day buy a house. Now checking my credit score I started going through one by one going to pay them off, I got to Lloyds and they have sold my 3 debts to two companies ( 1 is Credit Security LTD and 2 is Robbins way ), I have had these loans outstanding for 3 years or so and they have never contacted me ( got 2 letters from credit security but nothing from robins way ) i only found this out ringing up Lloyds, the default shows up on my credit file from Lloyds and that's it. Do I contact these people or not? I can't remove the Default either way so what should I do? and if I don't do anything that can happen, the amounts of these are £1525. £870.00 & £1800. This is where my second question comes in, my old phone contracts ( yes I was stupid ) have been sold to Lowell, now I never ever saw them as a threatening as they would send letter after letter and that's it nothing came of it for a few years ( back from 2014 2016 2017), stupidly when I decided to set up a DMP a year ago it classed as I made contact with them ( so resets the 6 year time frame ), now they have now left 3 defaults on my credit file, why is it under THEIR name and not orange etc like the Lloyds? I paid them £50.00 today and going to call up to pay a payment plan, I do have enough money to pay them all off today but is it worth it or just paying per month and keep some money aside? (it's 2400 altogether), now reflecting back on that should I of paid them or just ignore them as it would have got written off? Why have THEY put the default on my account instead of the business itself and not the other company that's taken over my Lloyds account? Why is my Credit file showing nothing of these other debt companies, if it is not on your credit report does it really matter? Sorry, I'm a little bit of a newbie at this! I know when default goes on your credit file it stays there for 6 years and there is nothing I can do about that.. right?
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