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  1. Hi All I failed to pay back a credit card in 2013. In due course the card company defaulted me and posted the default with one or more of the credit reference agencies in October 2013. Lowell bought the debt and the account totally disappeared from my Noddle credit report. It has now reappeared with a single entry showing a default for September 2014 (even though the main body of the report shows the original default date) so in effect bringing forward the default date by eleven months. That means I will have to wait an extra eleven months before the default disappears from my
  2. Hi there Sorry for the bother i have got into arrears with the above catalogue and would like to know how to get them to accept that i can only afford £40 a month to pay back. They keep ringing but i am loathed to talk to them over the phone as sometimes calls can be lost. Any help would be brilliant
  3. .. I sent off a CCA request six months ago which has not been provided, the account is in dispute, i have been receiving 'arrears' letters since. My question is, would it help to send back the latest arrears letter with a "No contract. Return to sender" label, or sit on my hands? Thanks Pencil.
  4. I wonder if someone can help me - Ive got a interest only mortgage with GE MONEY which has been in arrears but OK now. Over last few years have had a few payment arrangements with them and as a result they have added lots of £40.00 admin fees. I think these add to over £2500 throughout my hardship. I just wanted to check that was all above board, seems a bit harsh in times of hardship that they actually made more money out of me. Any advice as always is appeciated!
  5. Hi, I had a van through Moneybarn which they repossessed in Aug 16 and sold it at a loss and now are wanting £6403 out of me. What options have I got to get them to play ball nicely? I know they had what I borrowed back plus about 2.5k in payments etc in my mind they had the initial loan back. There is a big fat default on my credit file that I would like sorted as trying to get car finance is an issue currently. thanks
  6. Please can anyone help with advancing this? I would be really grateful if a Default Notice 'Expert' could kindly offer me any advice. I have a long standing dispute with a Creditor on my DMP – MBNA/Moorgate (sold to IDEM post complaint Oct 2016). Original creditor MBNA on DMP May 2009, sold to Moorgate 2012, Default Notice from Moorgate Dec 2013 but binned by them (even though letter to terminate agreement thereafter also and no other monthly statements received), they didn't record the Default Notice with CRA either, I have (Moorgate) arr
  7. Hi All I have a DN for an old next account registered. The DN seems to be in the name of the DCA. I requested a copy of the original agreement and DN from Next. The DCA responded with the attacehd. The DN looks legit, but the agreement seems to have my address added onto an old scan of their agreements. Is this worth prgressing, to try and have the Dn removed. I have no issue in paying the debt if required. Its the DN that is causing me issues. Attached are, Credit report grab. Email from DCA, Email to Next, Next Agreement, Next DN. Many Thanks G
  8. 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 th
  9. I am looking for advice on gaining the removal of a default notice recently applied by HSBC. I'm new to this site and therefore have not previously followed any advice provided by this site. I'm requesting the default be removed from my credit reports as I believe I have been unfairly treated and this default has not been applied correctly. I believe HSBC has treated me unfairly as they refused to offer and agree a payment plan that their Final Demand letter offered, their communications, and application of process have contained many inaccuracies that have meant resolving
  10. I am looking for some advice regarding removal of Arrangement to Pay markers and a default from my credit report. I have an outstanding balance of £3486.90 with Link Financial who took on the account from Barclaycard in February 2015. Barclaycard applied markers to my credit report from April 11 to February 15 when they marked the account as settled, following an SAR it doesn't appear the account was ever formally defaulted. I was on a DMP until recently when I sent a section 78 request to Link and stopped paying. They did not comply with the request and subsequently issued
  11. Hi all. Brief background to my delimma; Opened up a vanquis account back in mid 2013, kept on top of it for a few years until I went through an extremely difficult time, they increased my credit limit to £2000 around the same time and I blew the lot and stopped paying because I didn’t care about anything. It was then sold to Lowell’s solicitors I ignored the first letters until I received the pre action protocol letter. I responded to that asking them to prove it. Today they replied stating they were waiting for response from creditor and my account is on hold in meanti
  12. Could you offer some advise on my situation please? I moved into a property in December 2010, and the Water bill was put into my name. I left this property at some point during 2014, at which point i had made no payments towards the water or been in contact with the water company. I've made good the debt now, ive actually cleared all my debts! My question is regards to the default date. The company placed the default in January 2016. They then applied for and won a CCJ by default in August 2016. I've raised a complaint as i believe the default should have been dated bet
  13. Hi I had a default filed against me about 3 years ago. Then they started threatening Court action. So I requested a CCA. They never could produce one, then they decided to file a court claim. I defended it and that was the end of it.... Haven't heard from them in about 2 years The default is dropping off the credit file in 2020, I was wondering if I had a good chance of getting it removed? Thank you edit forgot to say this was a DCA
  14. Hi everyone. A few years ago me and my wife got an application form through the post for a Vanquis credit card. She applied by post and I applied online. We were both accepted. They used to mess us about saying we had made late payments or gone over our limits despite them taking a direct debit successfully they chose not to take enough money. they ended up spiralling out of control with fees and as I had just started a new business cash was tight and we couldn't pay. I sent both of them this letter- CCA request. then sent FORMAL COMPLAINT/ ACCOUNT IN DISPUTE
  15. Today in the post I received a claim form from TM Legal Services for a debt that I owed to payday loan company Lending Stream. The original address on the claim form had been crossed out in red pen and my current address was hand written in the box to the right of this. The date on the claim form is 10/10/2018, the date that is marked on the franking stamp on the envelope is 07/11/2018. I called the court and they advised I have received a judgement by default on 06/11/2018. I had started an affordability complaint with the original lender Lending Stream via letter on 01/10/20
  16. Hello, i have had a loan with cash on go ltd peachy loans in August 2012, i didnt pay it back and they defaulted it on 07/11/2012 , this was showing on my credit file up until about a month ago when it just suddenly stopped showing on there. It has now reappeared in November but they have set the default date to one in 2016, when i have proof it was defaulted on 07/11/2012. Why would they do that? I have emailed the CRAs to tell them is there anything else i should be doing? Should i contact Peachy direct. I'm not 100 percent sure if it is it stat barred as i ma
  17. Hi all Got myself in a mountain of unsecured debt so much as to a point now i cant afford the repayments. I'm resigned to a debt management plan as all the debts have been accrued over the past few years. Loans and Credit Cards are all currently up to date with no missed payments but that is going to have to give shortly as I'm close to breaking point. Been reading a bit on here and think im going to attempt either a self managed dmp or perhaps a charity one. Question is though how to start it? I do have a reasonable amount of disposable income so wouldnt ju
  18. https://www.consumeractiongroup.co.uk/forum/showthread.php?272699-Help-Filed-CPR-31.14-request-no-response-..-now-what-(3-Viewing)-nbsp&p=5157422#post5157422 How did you get on with this? I know it's been 7 years but I am curious!
  19. Evening ladies and gentlemen, I will hope you like this one. Our old friends at Lowells informed me a few months ago that there was a default on my account but the only people who could see it were me, Lowells and the OC. Proof there is no brain amongst them. Could someone please answer me this, can an account be defaulted if it is not a CCA 1974. Would appreciate the help. Many Thanks Tommy
  20. Hi everyone - I'm in a sticky situation. I went to live abroad for some time in 2015 and I'm back now. I was sure before I left that my UK HSBC account was at 0 but it wasn't due to some overdraft that I gone into without knowing which later led to the account being closed. I just received a letter from Cabot today saying that I owe them a balance of £1347.86. I spoke to HSBC earlier in 2017 and they said to me that the account in question was closed and that I owed something in the region of £200 due to overdraft. I can't remember the exact details but I assume they said the de
  21. Hi, I'm on a DMP with StepChange since 2014 and of the 8 accounts 7 have added a default within the 6 months period, apart from Creation. They have sold this to Lowells and I have written to them to ask for a backdated default to be added. they have refused and said they will update the credit reference agencies with details of any payments made. I'm worried that as all the others will drop off in early 2020 this will continue to be an ongoing nightmare. I'm not sure what to next :/
  22. Having read this forum and had a pretty good solicitor in a recent case, I have cobbled together what I perceive quite a nice defence, if anyone is interested. Obviously people would need to tailor to their own needs. Just really mentioning this to give something back to an excelllent forum and Dx100 help. shall I post it up? It does not include which I have read here recently.: 1) Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbeyicon National PLC and others (2009) 2) Show how they have complied with sections III & IV of Practice D
  23. I have YW chasing me for money. The amount which is just over £600 for 11 months. To my knowledge water has never been this expensive. Can someone please shed light on this. I have not paid as the first bill I disputed, and it has just been going on and on. Any help would be appreciated.
  24. Hi, so I really don't know what my options are (if any) In 2014, when I was 18 my mum asked if she could open a catalogue in my name... I agreed as she told me it would help build up my credit rating. I specifically told her not to get in debt with it.... I had thought she'd stopped using it after that year. Background: My mother has C-PTSD and due to this is absolutely appalling at handling money- sadly for me I've only just realised how big an issue it is as she always seemed like she was dealing with any debts she has. She is not receiving any help with this at all as any health
  25. Have recently checked my credit file I have a default from British gas for £69 recorded at old address on 06/06/2015. I moved out of that address in September 2012! British gas were claiming at the time £69 disconnection fee for moving house so I paid them for energy usage and left it at that. Surely they default should of been recorded with in 6 months as 3 years is very wrong. If it was recorded correctly it would of or very soon drop off. I have gone through the complaints procedure with British gas and they claim the default is recorded correctly but they d
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