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    • Beware using the word "mitigating". That is only if you're admitting it and asking them to be lenient because x,y,z or whatever.   You are not admitting it so there can't be anything to mitigate something you didn't do.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Could you perhaps use the quote button so as to minimise confusion?  It's difficult to distinguish between what you quote and what you are saying.  (Actually it is quite easy to tell the difference).
    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD   When did you enter into the original agreement before or after April 2007 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
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LSD374W

Credit File / Post Bankruptcy.. ITS WENT BONKERS!!

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Hullo Caggers :)

 

I'm ex BR and have been for a couple of years now. I'm very careful with my credit score and how its affected. However, I do need some advice.

 

Every so often I check my credit score - Experian loves me - Equifax seems to hate me (Any reason for that?? )

The last time I checked my credit score on Equifax - it was 337. 3 Months later and It's dropped to 279 and there are a few strange things... I shall post a few screen shots in hope that one of you amazing folks can shed some light!!

 

 

 

I have no extra credit taken out

Same bank account

No searches

No OD

No Bank charges

I was BR 11/11/09 and Discharged 1 year later. My BR payments also stopped early.

 

A loan from Lloyds TSB is making a massive impact on my score. It says I've defaulted by £3.5k and the wording in the warnings - seems to suggest that I still owe it - or at least thats what it seems to suggest to me and other lenders. :jaw:

 

The loan from Welcome was included in my bankruptcy - but shows as settled??

 

Can anyone offer some advice on this??

 

Thanks in Advance

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You will need to write to the creditors Data Controllers and insist that All accounts included in your BR are properly updated.

You can again contact the data controllers of all the credit reference agencies and place notices of dispute on each entry.

 

I would certainly query the Equifax report, the data should be the same as the others.


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This is the same on mine. BR May 2009 Discharged Sept 09 default/delinquent balace of £ 5,766 AKtiv Capital (barclaycard) & £ 5,256 Northern Rock. However a previous loan/credit card with rbs shows settled and doesnt even show the original amounts/repayments.


 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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Very poor The total amount of your credit obligations that previous credit grantors have reported as in default is £11372. How can it be in default if it was declared bankrupt?


 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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It says have reported, so the statement is true as far as it reflects historical fact.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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So how come the other credit agreements a loan and credit card with RBS show settled? These were all included in the bankruptcy so why defaults for 2 creditors and 2 settled for the other 2 if they were all included at the same time?


 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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It's a total of all defaults reported I think not an individual account.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Bothe the below extracts are taken from my equifax credit report and BOTH were included in the bankruptcy order, so why would one report it as in default and one report it as settled ? Loan from Northern Rock (Asset Management) Plc / XXXXXXXXXXXX8062 Name Mr *********Date of Birth********** Terms 120 @ £ 91 (Monthly) Status Defaulted Current Balance £ 5,256 Start Balance £ 7,000 Credit Limit £ 0 Default / Delinquent Balance £ 5,256 Start Date 03/12/2003 Date Updated 01/09/2009 Date Last Delinquent Date Satisfied Default Date 29/05/2009 Loan from Rbos Personal Loans(i) / XXXXXXXXXXXXXX0805 Name ********* Date of Birth ********8Terms 0 @ £ 0 (Monthly) Status Settled Current Balance £ 0 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 0 Start Date 02/05/2008 Date Updated 09/08/2009 Date Last Delinquent Date Satisfied 31/07/2009


 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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