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Found 14 results

  1. Probably a daft question, but can a debt be registered duplicate d as seperate debts/defaults on my credit file... .I have two in question. ..an old lloyds tsb loan which is registered as a lloyds tsb default and elsewhere on my file as a lowells default.... .The second one is barclaycard default which has seperate entries as a barclaycard default and a hoist portfolio default... ..The reason I ask is that it's making my credit file look worse than it actually is (it's still bad though!)
  2. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  3. Hi everyone. I hope your all ok �� So last Saturday I rung up HSBC to order some copy statements for Closed Current Account 2004-2015 and Cash ISA 2010-2017... She told me there will be a charge (Didn't tell me what the charge was) and it will take up to 40 days for the statements to arrive but will more likely be 5-7 days and can only order from 2007 I accepted the charge and gave her the account details of an account I wanted charged... On Monday rung again as not been charged yet, another lady said it's free as you don't have HSBC current account and you will get stamen
  4. Hi all, Sorry if this is in the wrong place. I have just checked my credit report and their are 2 entries for the same debt. One listed under credit cards with the original CC company and another listed under other accounts with the debt purchasers name. They both have the same amount owing and same account start date, but the debt purchser has the first default (and nothing else) listed almost 2 years after the CC company applied the default. Just wondering if this is something I should be worried about as the SB date is approaching.
  5. Lending Stream Hi there, in March 2011 I took out a loan with lending stream (amongst others), which I didn’t pay back, Due to a gambling addiction (addiction fixed now:-)) All of my accounts at the time fell into arrears and therefore default, which I deserved But upon checking my credit file, all of my other accounts show a default date of around may-sept 2011, yet lending stream show there’s as Nov 2012 With the 6 year rule I was happy to wait till sept 2017, but lending streams is a more than a year later, I thought It was a reporting mistake so I called them, and the
  6. I have a business account (not sure if that affects things) with Vodafone, monthly rolling contract paid by monthly DD. In May I ordered some new PAYG handsets from via their web shop. I paid for the order by VISA business debit card, phones arrived, everything good (except that they hadn't provided a VAT receipt that I required, but I've since managed to extract that from them). However, my next monthly direct debit payment also included the cost of the handsets, and then I found it shown as an outstanding amount on my latest bill. I phoned them and explained the situation, they said the
  7. Hi Folks Quick one... Say I'm due to make a payment on a loan and I miss it, Naturally that would be a payment missed etc... However, does the company then have the right to attempt to take payment at the end of the loan agreement and add a 2nd amount of interest even though the first payment had interest added to the original balance? essentially doubling the interest on one payment?!?! Eg in this case for me; If you dont get it then i will try to explain better but Im soooooo confused right now :/
  8. Hi, sorry not the usual place on the forum I visit, but a query on behalf of the OH. Credit Reference Agency is showing 2 x defaults for the same "debt". In this case, it appears to be a Barclaycard, which defaulted on 18 June 2012 for £531. Barclaycard subsequently marked this default as "satisfied" and that the account status was "closed" on 28 June 2013, despite no payments etc ever being made. The credit report has the remark "Debt assignment. The payment status has been reported as in default" for their entry. [ATTACH=CONFIG]50323[/ATTACH] It appears the account was sold
  9. Hmm Strange one. I joined Checkmyfile to run alongside Noddle because they offer extra info from Equifax etc. I keep up on the subscription etc and have no issues with the service until now. I was billed on the 7th April for £7.99 and i rang CS to cancel it as i was now going to stick with Noddle. They cancelled it etc and Offered a refund. Later that day a second payment was taken for £7.99 without my consent and the subscription reactivated with no input from myself etc Spoke to Natwest and they have confirmed it was under CPA Rules... I dont hold Natwest accountable as th
  10. As some of you are aware I have been in the process of dealing with some of my debts. Largely due to a misspent youth. I am now trying to deal with each of these debts. I have 5 CCJ’s in total of which I have settled 2 in full. (therefore I have not listed these debts) Please see below the information that the court has supplied me with in relation to these debts:- Claim Number: ****901 Claimant: EGG PLC Claimant’s solicitor: BRYAN CARTER SOLICITORS LLP Telephone: 08453133125 Reference: EGG/***2256 Amount £297 Date of Judgement 14/06/2007
  11. I have a tendency to get too involved in problems until they're solved. With that in mind, please tell me I'm being anal and to ignore it if you think I'm reading too much into this. Long story short: I received my credit report from Experian and was shocked to see 84 linked addresses. Had a closer look, then tabulated the data (enclosed picture)and found I had 13 links to 7 addresses, but duplicated up to 7 times (so 8 copies of 1 link) and at least 3 times (so 4 copies). So I had a closer look. Take a look at the table enclosed. - Each row has exactly the same date, but I've short
  12. We bought a Toyota Celica T Sport that failed on the first day of ownership: big end bearing failure. We have an engineer's report and permission to use it. Knowing that the defendant has to prove that the engine was ok when the car was sold, can he use an MOT certificate to do this?
  13. Hi, First off, may I say thank you to quite a few folks having endured the ordeals that I have been researching over the last 3 days. I wanted to finalise where I'm at prior to posting to make sure that my seeking of information gave enough details for considered responses. So the timeline goes like this. January 2009 I wrote a CCA request letter to 1st Credit - sent recorded with the £1. The letter was the standard template, no voice calls, communication in writing, no signatures on anything, no accepting liability, etc etc. (I also started a new job... so was very
  14. Hi All, I currently am dealing with lloyds/1st credit over my bank account and loan which I defaulted on in 2008. I checked my credit file and basically I have 2 defaults off lloyds and now 1st credit have added another 2 for the same accounts loyds tsb current account default date 16/04/08 lloyds loan default date 16/04/08 1ST CREDIT LIMITED Current Account
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