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Insomniak

4 Defaults & a CCJ: My fight starts here

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Hello all,

 

I am going to attempt to clean up my credit file, which probably seems impossible, but I am up for the fight even if it only annoys the hell out of the banks.

 

The Defaults are:

Nationwide Loan

Nationwide Credit Card

Egg Credit Card (Also a CCJ)

Egg Money Card

 

Will appreciate any help anyone can give, will update my progress here.

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Hola! and welcome to the fight!

 

Have you started the ball rolling i.e sending the letters off etc or are you fresh to this?


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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Well, its been a while since this thread was started but theres been some developments lately, with Aktiv Kaptial purchasing 2 of my debts.

 

They wrote to me saying they had bought a debt off Egg for £150. I wrote back a very silly letter back to them basically saying I don't know what your telling me for I know nothing about it etc and do they have a CCA. I got a reply from them telling me they have received my letter and would get back to me with further details.

 

Then a few days ago I checked my Credit Report and the Default is gone! So I only now have 3 to go.

 

I assume that they do not have CCA and due to the smallish amount involved decided to write it off.

 

I have now taken further steps as the other default they have purchased is for £12,000 and it shows on the Credit report under their name, so I have send a simple letter saying I do not know anything about this debt and can I have a CCA if they insist I owe them.

 

That letter is going in the post tomorrow, can't wait to hear back from them.

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i take it the old default has just been put to their name? not just a new default, because if that is so thats not allowed

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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