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Re: My Experian Report/default and no CCA reply

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Hi everyone,

 

This is in connection with my experian credit report and i was surprised to see some of the defaulted account in behalf of my name were in God's name I even couldn't recognized. First, Lowell Portfolio defaulted me for the balance of £478.00 from the original charge they made of £1,075.00. This is in connection to the credit card I owed to MBNA in which the original credit limit was only £250.00 :evil: and how on earth it reached the amount of more than a thousand pounds i don't know! Anyway, after paying them of more than £500.00, I sent them a CCA and discontinued paying them in which now, they said they are unable to provide me the true copy of the agreement and stopped chasing me. Then i saw my experian, they defaulted me for the balance grrrrrr:evil:. Does anyone know how to send a letter to the companies ( there are 4 companies ) some of which I couldn't recognized but they defaulted me anyhow :( that will clear my name? Please enlighten me again regarding this matter...thank you so much :)!!!

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Can you just clarify is this one account ?

Who are the 4 that have defaulted you ?

 

Will move your thread and re-title


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin3030. Thanks for the reply. There's Vodafone which as far as i remember i had no balance left bec. i have paid my phone bill then up-to-date. The current balance said there "satisfied" but i couldn't understand why vodafone defaulted me. It was defaulted on 25/07/2005. Then there's Raphaels Bank ( CCRT UK ) which i never heard of. It says credit card/ store card which i never applied for and the balance is around £1,076.00 and defaulted on 28/08/2007. Who the hell is this Raphaels Bank i have no idea. Could this be another debt buyer? Default yanks your credit rating isn't it? :(

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Hi Martin3030. Thanks for the reply. There's Vodafone which as far as i remember i had no balance left bec. i have paid my phone bill then up-to-date. The current balance said there "satisfied" but i couldn't understand why vodafone defaulted me. It was defaulted on 25/07/2005. Then there's Raphaels Bank ( CCRT UK ) which i never heard of. It says credit card/ store card which i never applied for and the balance is around £1,076.00 and defaulted on 28/08/2007. Who the hell is this Raphaels Bank i have no idea. Could this be another debt buyer? Default yanks your credit rating isn't it? :(

 

 

Hi

 

If you have never had account with these companys, it could be that you have been a victim of ID theft. Do a bit of whacking on the internet and see if these companys use another company name. If not report it to the police asap, get the crime number and send a reg letter to experian, you may find you will need to write to every company and telle them you may have been victim of ID theft.

 

This has happen to a very close friend this year, it been hell trying to sort it all out.

 

Trooper68


Trooper68:)

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