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About nicsheehan1

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  1. So my first step here is to send the SAR? If they provide the credit agreement i am guessing that i have to pay up, although i can barely make ends meet at the moment?
  2. From digging around i believe Cattle is Welcome.... someone could possibly clarify this... The debt that they are chasing was a secured loan on a mortgage. The £30K is the shortfall on the mortgage. I am basically trying to get all the information on marketing of the property, full breakdown's of costs and trying to ensure that how they marketed and the costs associated are relevant to the claim they are making against me. To be honest, i am dealing with a DCA on that and they are useless, so i am basically going around in circles with them. I'm really screwed.... Also, i have nothing showing on my credit file with regards to a CCJ against the mortgage.
  3. Thank you. I shall go with the advice and see what happens. If this fails, i think bankruptcy is my only option. Thank you again.
  4. Ok, thank you. I shall get a letter to them. Thanks for your help.
  5. I cannot confirm for definite but i would say that the last payment was made within 3 years. Also, the property was repossessed with an approximate shortfall of £30K, which i am still trying to fight.
  6. Hi, I have received a letter from Mackenzie Hall chasing a Welcome Finance Debt. How should i respond? This is what it states: Dear XXXXX As per previous contact by our client Cattles, you have been made aware that the overdue amount of £19**** remains outstanding. We remind you that you have a legal obligation to repay this balance. Due to your failure to resolve this matter in a satisfactory matter, your account has been passed to Mackenzie Hall Limited. The reason we are now involved is that previous attempts to resolve this matter have been ignored. You must contact us immediately on 08444115699 and pay this amount in full. If you are unable to pay this account in full you must contact us to discuss the matter further. Failure to pay or respond to this letter may leave our client no other option than to commence with further action without notification. Possible actions that may proceed: - Home visit: The purpose of which will be to discuss your circumstances and assess your ability to repay the balance owed. - Legal Action: We may advise our clients to instruct their legal representative with a view to issuing proceedings against you, which may also result in further costs being added to the amount owed. Please do not ignore this letter as we may commence with further action without further notification. Important: If you are not the named person above please contact us quoting XXXXXX This debt is outstanding, but i cannot afford to repay it and it is a joint secured loan on a repossessed property. Unfortunately, i have no contact with my ex boyfriend and so cannot contact him. I have been burying my head in the sand, but not sure what to do now as this letter has been received at my parent's address. Can anyone advise as to whether i should respond, and if i should, what should i say? Thanks
  7. Thank you so much for this. So basically, i would be better to try and get them to drop off if i can rather than going bankrupt as the bankruptcy would be on my file longer than the above?
  8. I didn't get my money either - they said that it had been put against my outstanding debt with them. I can see that the amount has been deducted from my loan as this is showing on my credit file.
  9. Is there some sort of standard letter that i can use for this enquiry?
  10. Right.... here goes.... With regards to the delinquent payment i'm not sure what this is and i can't see this anywhere on my credit file. However, on my file against each of the debts shows a 'status code' - these are all a number 8 and there are dates next to them which i have put below against each debt - these dates i have marked as 'status code date'. Hope that makes sense! HFC Bank Default goes 03/2015 so SB date upto 6 months prior to 31/03/09 Start date: 18/10/06to Default date: 31/03/09 Status code date: 08/04/12 Santander Start date: 05/09/06 Default date: 20/07/09 Remove on 07/15 Status code date: 22/04/12 SB as above Santander Start date: 24/10/05 Default date: 05/02/07 remove 02/13 Status code date: 22/04/12 Next Start date: 12/04/04 Default date: 10/08/07 remove 08/13 Status code date: 02/09/07 Capquest Start date: 17/08/05 Default date: 08/04/08 remove o8/14 Status code date: 22/04/12 Atlantik (Not sure what this is!!) Start date: Unknown Default date: 23/07/07 remove 07/13 Status code date: 10/04/2012 Also, i have four CCJ's. The dates on these show: - 20/09/09 09/15 -16/10/07 10/13 -29/11/08 11/14 -19/11/08 11/14 What happens with these if they are not paid? Thanks so much for your help so far. As said the date for SB is usually within 6 months prior to the default date.
  11. Ok thank you all. Is it ok if I post the dates here on my debt, no personal details obviously for someone to advise me of when they should 'disappear'?
  12. Hi, I have some questions with regards to removal of items on credit files etc. I have tried to research on various websites, but there is too much information and i am easily confused. Right, i have signed up to credit expert so have all the access to my credit report. No surprises, but my credit rating is 'Very Poor'. Because i have alot of unpaid debt and 4 CCJ's, i haven't been able to obtain, nor wanted to obtain any further or additional credit. However, i am now being by chased by various DCA's and want to begin to repair my credit file for the future. Things i need to know are: - I understand about the statute barred law - however, how do i know when i last made a payment on the account without contacting the company. I am also not sure as to what bank account was used at the time so would struggle to find this information. is there a way i can check on my actual report? - I have some items showing on the report that are over 6 years old and still unpaid. These are still showing. Are they right to show, or should they have come off the report? - With regards to CCJ's - these are also unpaid. However, i have read somewhere that a CCJ will drop off the credit file 6 years from when it was issued - is this correct? - When i look at the 6 year rule - do i look at the 'Start Date' of the debt, or the 'Default date' of the debt on my report? - I also have some old things showing as 'satisfied' or 'settled' - is there a way for them to effectively 'drop-off'? Any help anyone could give on any of these points would be greatly appreciated as i am being chased still for multiple debts. My house was also repossessed, but the mortgage is showing as satisfied on the account and there is no CCJ with regards to that - so i am slightly confused. I don't know if the best option would be for me to declare myself bankrupt or wait until things have dropped off my credit report. Any info on this would be good too. Many Thanks
  13. Thank you. I shall do that. The strange thing is is that we also had a santander mortgage, so the money they were taking was to fund that i am assuming. I will send an SAR. Many thanks
  14. Hi all, Last week i received a letter from Santander to advise that they were passing 'our account' to DCA Robinson Way Ltd. Basically, the letter is for unauthorised overdraft costs and spend which my lovely ex-boyfriend ran up paying the mortgage and bills when i had left him. The amount is for just over £2500. We never had an overdraft on the account. Is there anything i can do to either a) not pay the debt or b) challenge the debt? I don't know how unauthorised overdrafts works. Obviously at the time i wasn't aware that he was using the account to make payments. I know i am silly by not checking.... Can anyone help or advise as i have now received a letter from Robinson Way Limited advising that i have to contact them immediately. Thanks in advance.
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