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  1. Lowell's Solicitors are chasing an old debt (6yrs old) - as mentioned in post #1 old catalogue debt for JDWilliams & Oxendales Never seen a letter like this from them before Tactics or can they go further with this? Thanks LowellSolicitors.pdf
  2. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  3. I'd seen recently on my Equifax file that an old BT debt was being recorded by Lowell This was chased by and already paid to Credit Resolve in 2017 I emailed Lowell last week along with proof of payment asking them to remove the entry They've said: Good Morning, Thank you for your email, I have noted your comments and would be happy to assist you. Account Number Original Client Current Balance xxxxxxxxxx BT PLC
  4. Hi ..Just been reading this thread...and it's almost a mirror image to my nightmare. http://www.consumeractiongroup.co.uk/forum/showthread.php?370805-Lombard-Direct-Arden-Credit-Management-Query-PPI-reclaim-now&p=4062117#post4062117 The same players as well ..LOMBARD ...THEN IDEM ..THEN ARDEN CREDIT.... .Who are really turning up the gas on me constantly reviewing my payments to them every few months and constantly pressurizing me . I had the original loan with Lombard taken out september 2000. for £13,300 & PPI upfront payment of £2431.87 .plus total charge f
  5. Hi there, I've sifted through a few threads trying to get a jist of what to do. Quite a bit of info, I'm hoping someone can help me with my issues Done a credit report and I've currently 5 defaulted accounts and 1 arrangement NatWest credit card - defaulted balance £984 with a current balance of £785. This debt is paid DD £20p/m directly to Natwest, I've ignored ALL letters from Wescot who manage my account on behalf of NatWest. NW have just written to me this week informing that my account has been assigned to Cabot Financial, to cease my payments to
  6. Hi I'm so glad to have found this forum. I hold 5 student loans from years 1996 - 2000. The 1996 & 1997 loans are with Thesis The 1998, 1999 and 2000 loan are with Erudio I have never received a DAF from Erudio or signed any document with them. My loans have always been deferred thorugh the Student Loans Company, who now seem to have rebranded as SLC. Historially I've occasionally been late submitting deferment but it's never been an issue. I did not receive a DAF from anyone in 2017. Erudio have sent me a default notice letter saying I had to pay my a
  7. Hello I have a few pdl's listed below taken out 2016 which i have not paid. I would like to try and get these sorted out and would like advice on the best way forward. I also have credit card debt listed on a seperate thread here. https://www.consumeractiongroup.co.uk/forum/showthread.php?489391-Debts-of-Credit-Cards-amp-PDL-s-advice-required(1-Viewing)-nbsp Thanks in advance Drafty PDL- now being chased by Asset Collections £746.55 wage day advance PDL £492.71 - Moorcroft The money shop PDL £768.84 - BW Legal Piggybank - £700 - Assett Collections Safetynet
  8. Hello All, I'm not sure where to ask this question so move it if it's in the wrong place. I have a defaulted account with Capital One (last payment 1/10/10) it has now been bough by Cabot and the have re defaulted it from 1/11/15. Is the correct and ok to do? I know Cabot are diddley so want to be sure? Surely if it was already default, they can't re default it?? Thank you for your help
  9. Hi How do I get rid of a closed account on my credit account which was a default from 2012? Thanks in advance.
  10. I defended the case and they had to discontinue the claim, but now they sent me a letter, with all the court fees and interest added on a periodic statement, almost £600 added to debt. Can the buyer of defaulted debt keep on adding fees and interest where the default debt was less than £5,000? Or could it be a ploy to get me to make contact with them (to prevent it from becoming time barred) as I never made contact with them since default some 4 years ago?
  11. Looking for a quick bit of advice. Capquest purchased a defaulted Marbles credit card debt and are reporting it as a current credit card account with themselves. They have been doing this for about a year or so and I only noticed when I checked my credit reports with both Noddle and Clearscore. I have written to Capquest requesting they either prove I have a current credit card account with them or remove the entry from my files with the credit reference agencies. They have replied with a copy of the notice of assignment showing they purchased the debt. Now I have no argument they no
  12. Hi, I have finally checked my credit file and I have 2 defaults from PD loans and 1 from Lloyds. Cash on Go ( I think may be Satsuma) - £410 ( Initially borrowed £200) Provident ( I think may be Peachy) - £755 ( Initially borrowed £400) and Lloyds £410 ( 100% unplanned overdraft charges that have accumulated.My account was a basic account with no OD facility.) United Kash have been contacting me for the Satsuma loan but from reading on here, I have not replied or answered the phone. As they are defaulted what can I do now? Just ignore them? There is a very
  13. Hi all, new to the sight, and indeed, to debt. Had a look around here this morning, and I'm quite frankly overwhelmed by all that is concerned with debt and debt resolution, so please, bear with my ignorance! I'll try to keep this as concise as possible also. Full time employed home owner/mortgage, one active credit card with my bank which I over pay on religiously (£2k balance) so no issues there. No HP/credit, and no defaulted utilities. Wife left Dec 2015 (not divorced yet), I remain in the house and the mortgage is in my name. I'm also a lone parent to 2 boys, 6yrs
  14. Apologies if this is a regular question ... I took out a series of PayDay loans in Apr-July 2012, rolling over each month with the same company. Eventually I got the bank to issue a new debit card (said I had lost old one) to break the CPA and default the loan. After several difficult phone calls I got them to agree to a DMP where I paid off the loan in £10 installments per month, which I have been doing ever since. Now my credit file lists these payments as against a regular loan - an 'Advance against Income' . The loan is dated as starting the day I fa
  15. Hi, I was living in France and had a French Mortgage for 200,000 Euros in 2009. Unfortunately I lost my job and I had to return to the UK, I paid what I could to the Bank over the next few years, but one day in 2012 the Bank informed me that the outstanding Mortgage was paid off by an insurance policy. I rented the house out to tenants after making enquiries and paying a Notaire to see if the house was actually mine, I was assured it was and assumed that I had taken a policy out at the time of purchase. Last year I agreed to sell the house to my tenant,
  16. Good afternoon folks, I have been looking around for advice on the following as i am trying to clean up my credit files folowing completion of an IVA in August 2016. In summary, IVA started in June 2010, settled in August 2016. One of the creditors has finally updated the credit file at Equifax as below :- You can see that there is no default date on this entry, which should be the start date for the IVA. Is this entry going to stay on there for another 6 years from the settlement date, which should also be the date for te end of the IVA? If i have the default da
  17. Hi, Really need some help. HSBC have closed my account without any notice. They state they sent me warning letters but I have not received anything, even though I was getting normal statements and a new debit card. The account is a basic account with no overdraft facilities just a debit card. Yet somehow netflix managed to take £7.49 and the acc went into a minus. I admit I should have kept a closer eye on this via internet banking. But now I'm worried that with the closing of this acc they have put another default on my credit file. I rang them regarding this and the
  18. Hi I have several defaults for various amounts totalling approx. £5000. For whatever reason I didn't pay my bills for several months and am now in a position to begin tackling this mess. I can probably pay off all of the debt in around nine months settling several smaller accounts within three months. Lots of the debts have been sold on to various debt collection agencies. They're offering me various discounts to write off part of the debt which I am open to for obvious reasons. However I am also keen to begin the process of rebuilding my credit rating ASAP and am wo
  19. Hi people I am at the end of my patience now with Vodafone. I cancelled two contracts with Vodafone one which I was havin data charge problems with. Getting texts saying you have 30 gb the day after I had been charged for going over. After numerous phone calls and visits to a store, I finally got the store manager to document my screen shots of the texts and he agreed yes it's not right. I explained I was likely to owe a small amount for my rental but I was not prepared to pay until I had an amended invoice. The manager passed it on and I heard nothi
  20. Name of the Claimant ? Lowells Date of issue – . 06.05.16 Date to submit defence = 4pm Tuesday 7th june What is the claim for – 1) The Defendant entered into a consumer credit Act 1974 regulated agreement with Lloyds under account reference XXXXXXXXXXXXXX ('the Agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The agreement was later assigned to the Claimant on 26/08/2014 and notice given to the Defendant. Despite repeated requests for payment, the sum of £1,600.00 remains du
  21. Hi Would like some advice about 2 loans that I took out in 2005 with egg to consolidate credit cards, car purchase etc after getting a mortgage in 2004. Both loans were for just under £25k each and it was more or less implied that if I took out PPI that the loans would be easier to be accepted for and that I would be able to claim if I was not able to work for any reason even though I was self employed. Roll onto end of 2008 where my ex wife and I started having relationship problems and I started struggling to make the repayments but feeling that I had a duty to repay I struggl
  22. Hoping for some advice. After significant debt issues just over 6 years ago I am now in the year when various defaults and a CCJ hit their 6 year mark on my credit file. All payments being managed through stepchange (I have charge against my house connected to CCJ) If i understand correctly as the respective default dates pass these will drop off my credit file? Do the accounts completely disappear from the file or just show as accounts that are being paid? Are companies more likely to accept a full and final offer once the 6 years from default date has passed? (
  23. Not to be confused with another case I have ongoing at the moment. Been trawling my Credit Reports regularly for some time now (only because they are 'free') and the only outstanding issue showing on them is an older Natwest account that Defaulted in late 2010. The default came about as I bailed out of the account with an O/D of about £2200 and the monthly charges were something like £28 + Interest. This was taking a significant chunk of my monthly earnings at the time and the Unfair Charges thing was ongoing. Now, the account is still shown as being with Natwest and I was expecting
  24. First time posting. I want to thank this site and everyone on it! Beginning of August I received a notice from CCBC that Lowells (via BWLegal) were beginning court proceedings against me for ~£6500 (HFC Bank loan from mid 2007, defaulted 2008). Lowell bought the debt in 2012 and re-defaulted it! I had spoken to them shortly after explaining that I had tried to renegotiate my monthly repayments with HFC but they outright refused and ignored all letters I sent their way - loan was then defaulted June 2008. Lowells apparently ignored all this and just sent bailiff
  25. Hi everyone I'm in the process of sorting out all my old debts, and I've just sent Natwest bank a SAR (well 2 actually) relating to two accounts that appear on my credit files shown in default state from 3-4 years back. I just had a call from a person within their data protection team asking me to clarufi what I was aslking for in my SAR. I told them everything they help about me at Natwest relating to those two accounts! He then said I need to go into a branch to ID myself, because the address on my correspondence they didn't have on any of their systems! Never had this before with a
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