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blanchie's tale of woe........


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But things looking good now i found you guys!

Everything read and understood, Delivered my S.A.R by hand to the Halifax, and the customer service girl had to stand and write me a recipt for the fee and the letter! Sit back and wait now, looking for approx £800, Partner next, she has maybe £300 and my brother-in-law after that, and lord only knows how much he's owed!

Regular updates will be posted as they happen so others can see the story unfold.

Can i pick somebodys brain as i'm here now?

Trying to repair my credit, joined 'credit expert', and upto now, had value for money as well. Incorrect alias removed, ex-wife removed etc, however, i'm showing 3 defaults. 1 from an old car loan that i have never had contact with, time expires on 20th of this month! best option here is do nothing i think! 2 others though are worrying. Aktiv and Thames DCA's. 1 for 700 the other for 1000. I honestly have no idea what they are and i suspect its something to do with the ex-wife (god love her :( ) I wrote to both, recorded delivery, asking for a copy of the credit agreement and the thingie that shows they own the debt, further advised that i will not correspond by telephone, 28 day time given etc etc. Fob off letter from both, so wrote again as a reminder. Since the first letter, approx 60 days has passed. I have now wrote the the information Commisioner to intervene. These two dodgy firms have broken the DPA, anybody have any idea what the information commission are likly to do? I want the defaults removed, can they do that? or order them to do it? I have not acknowlaged the debt as mine in any way just yet, but i can't wait 2 years till they expire.

Also, should i join up with equifax's web based service? i know lenders use the two main database's, i'm getting my file correct with one, do they report to the other the changes they make or should i be doing it myself?

Any advise would be fantastic, thanks!

 

blanchie

 

 

:)

Halifax

Beaten twice!

Aktiv capital default

Removed!

Thames Credit default

Removed!

Barclaycard Default

Removed!

Welcome Finance PPI

Paid in full after LBA

Ex-wifes Barclays

Beaten!

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Hi - for best help on these, copy this post into the DCA/Bailiff forum.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Cut and pasted into a new thread, many thanks

 

;)

Halifax

Beaten twice!

Aktiv capital default

Removed!

Thames Credit default

Removed!

Barclaycard Default

Removed!

Welcome Finance PPI

Paid in full after LBA

Ex-wifes Barclays

Beaten!

Link to post
Share on other sites
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