NEW user here wanting help please

[Happyfeet24]

Yup, these credit rating people work with dcas in many ways.

[gust]

thanks

 

sent the same letters again the other day now

 

cheers....

 

bump for maroondevo

 

 

just sent the letters stated above recorded

 

RED/lowell have replied again... since i resent the letter recorded

 

quite snotty this time....

 

We write in respect of the above debt, which, as previously notified in writing we have purchased from vodafone. We would advise that the nil balance shown on the statement relates to when vodafone removed this account from thier system in preperation for the sale to us. This does not mean there has been any payment recieved against the account or that your liability for payment has been removed.

 

Please be advised the balance comprises of £xxx.xx and an early termination fee of £xx.xx

 

We are now entitled to receive payment of the balance of £xxx.xx from you and enclose a copy of your statement as requested. Neither vodafone nor ourselves are aware of any reason for non-payment.

 

Please kindly make payment of the outstanding debt or contact us within 7 days of the date of this letter to agree acceptable payment proposals, failing which we reserve the right to instruct our solicitors to issue legal proceedings against you without further notice.

 

 

 

 

OK>>> i had a letter from their "solicitors" before....

 

 

WHATS NEXT? send them the CCA letter? letter N? with postal order?

 

thanks... help needed

 

cheers!

[gust]

i just done the creditexpert thing...

 

its shows when DCAs or creditors have accessed my details... its free for 30 days right????

 

i want to see my credit score.... but its asking for £5.65 i thought this would be included???

 

rubbish lol

[gizmo111]

i just done the creditexpert thing...

 

its shows when DCAs or creditors have accessed my details... its free for 30 days right????

 

i want to see my credit score.... but its asking for £5.65 i thought this would be included???

 

rubbish lol

 

 

It is free for 30 days - don'tforget to cancel the subscription. I think equifax may do a similar deal.

The credit score they give you is not the one that a lender will use.

[gust]

It is free for 30 days - don'tforget to cancel the subscription. I think equifax may do a similar deal.

The credit score they give you is not the one that a lender will use.

 

 

i put my card details in to register - i can see my report free BUt my score is asking for another 5.95

[gizmo111]

i put my card details in to register - i can see my report free BUt my score is asking for another 5.95

 

 

Yes the score is an optional extra.

[gust]

i see

 

will this flag on my reports if i access this data - like credit check does? as this gives DCAs a method of tracking you doesnt it?

[gust]

From recently checking all 3 CRA's I have seen a default from Lowell, default in 2008

 

I have keep EVERY letter from day one with the leeds losers and not ONE of them are a default notice.

 

I can add they Failed my CCA request also.

 

So in light of this are they in breach of 2 different things? And how can i get them to remove it off my credit file.

 

thanks.

[BRIGADIER2JCS]

Are you sure this is not just an update

from when Lowell aquired the account,

they have to update the original creditors

entries with their name etc.

 

The original default date cannot be changed.

[gust]

I am not sure to be honest

 

It does say placed by Lowell on my credit files.

 

Do you mean the default could have been placed by the original creditor and Lowell just change the default name from original creditor to their own name?

 

My first letter regarding this is 2009 so a short while after the default was added.

[citizenB]

Yes, only the original creditor can place the default marker.. the owner of the debt will update it.

[gust]

ok in this case - i do not recall a default notice from original creditor either

 

So do i need to follow this up with them?

[BRIGADIER2JCS]

A debt purchaser such as Lowell Portfolio 1 is

obliged yo update the credit files as soon as

they aquire the debt, the CRA file must show

an accurate and upto date picture of the conduct

and status of the account.

[gust]

thanks Brig

 

for example purposes so i can check this - say OC places default on jan 2007 , the a DCA update it on feb 2009 - does the default have to read original date of jan 07 or does it slide forward in time to feb 2009

 

thanks again,

[BRIGADIER2JCS]

The original default date must never change if the account

is sold on the new ''owner'' MUST up date the credit file with

their details but must not change the date.

[gust]

cheers - some defaults seem a little newer here than i would have thought.

[BRIGADIER2JCS]

The ICO technical guidance on defaults states that they

expect a default to be placed within 6 months of the

cause of action, expecting and achieving are of course

totally different!

[gust]

I put myself on the electorial register, emailed my local council and was advised that all the CRA's will be updated in OCT.

 

Is there any way i can get electorial register details on my credit file before october? I want to apply for some things and can see it might cause a prob without this on my file

 

thanks

[dx100uk]

you can get a letter off the council to send to them all.

 

thats what i did in aug 11

 

dx

[gust]

thanks DX

 

I have emailed them now.

 

thanks for your help again

[BRIGADIER2JCS]

It certainly works as dx says!

[gust]

great.

 

I will have a clean slate with 1 CRA then

 

now to fight the DCA's and defaults on the other 2 lol

[BRIGADIER2JCS]

Do these defaults have long to run?

[gust]

end of 2013

[BRIGADIER2JCS]

end of 2013

 

Just take care if you are contacted about these debts

at any time, DCAs will be checking on or even attempting

to sell off debts when they near SB.