DEbt only just defaulted after yrs of '6' markers - is this fair?

[darrenwillo]

Hio BRIG DX i have sent the above letter to noodle equifax and exsperian i didnt send i letter i used the SOMETHING WRONG dropdown box on there sites and gave them BRIGs info letter as a dispute they have each given me a log number for the raised dispute

? is this the right way to contact them via there dropdown box for something wrong disputes etc they said they will get back to me via email is this ok

 

my next move is to send the above letter to the data commisioner at welcome finace is this correct also many thanks DW

[BRIGADIER2JCS]

Send the letter to Welcome addressed to the Data Controller this MUST br by recorded delivery so you can check when they receive it.

 

When you get a response then we can format a complaint to the Information Commissioners Office.

With the CRA's send a copy by snail mail to confirm the complaint.

[darrenwillo]

brig sorry to sound stupid Friend but whats

1

Snail mail is that email im a novice on the computer and the jargon could you interperate please

2

also is there a time frame in wich welcome have to respond to me and if they dont respond whats the crack does the debt get waived

3

also the car i had from them i just left it in thier car park and phoned the receptionist to let her now it was there and the keys were under the back tyre will this have an effect on anything as i just ceased payments after that.

4

also i dont recall de registering myself as the registerd keeper with dvla will i have to do this also or what will be the score with that

many thanks again Darren

[BRIGADIER2JCS]

OK not a problem

 

Send by Royal Mail 1st class post and get free proof of posting.

They can take up to 8 weeks to reply but, this should easily be sorted quickly.

No voluntary return of the car should no have an impact.

Forget the reg not relevant now.

 

It is always best to use RM recorded delivery when making complaints like this, if you do use e-mail print off a hard copy.

[darrenwillo]

dont suppose you have the correct adresses to send the same letter to CRAs all 3 or point me were i can get the info Brig please and do i keep copys dated

ill have to sort my fileing cabinet out now ha ha to make room for process ahead all good tho thanks again mate

[BRIGADIER2JCS]

Contact details on CRA websites. Yes keep copies of all letters etc get proof of posting and keep them all together we may have to refer to them later.

[darrenwillo]

if a debt colection agency rep comes out what should i say and do please?

 

as they have been at my mums a hour ago today and

are dobermans give them the run of thier life my mum said he was being agressive towards my disabled mum so the dogs jumped the back fence and chased them and wouldnt let them go or drive away poor debt collector i know

 

what should i tell my mum to say if their brave enough to come back ?

apart from the obviouse take your watchs off phones on the floor and remove your denches as my babys carnt digest them........

[BRIGADIER2JCS]

It's highly unlikely that this will happen, but there is no obligation to discuss anything with any intinerant oik who turns up on the doostep, just tell them to leave immediately as all dealings MUST be in writting.

Has this ''visitor'' discussed anything with your mum? Who is the debt collection agency?

[darrenwillo]

my mum said dea associates based in liverpool and they were asking for me she said he doesnt live here and then he was shouting because my mum couldnt hear him thats when the dogs got out they bark when people knock and she was talking through the window but couldnt here every word with the dogs barking then the dogs jumped the fence and went after them she said 2 big men came and was looking through the window too she just told the truth that i dont live there and they she made out were they were from and then the dogs got over the fence ill tell her to tell them to contact me in writeing do you think i should phone the offce and ask what there playing at going to my mums

[BRIGADIER2JCS]

DEA Assocites emm no don't phone do you have their address please?

[BRIGADIER2JCS]

I know of DEA Assocites in Croydon, Surrey.

[darrenwillo]

itl be there with the rest of my debts and collectors ill dig it out

whats your plan Brig ?

is this illegal as my mum has said it happend before that people have been out looking for me i dont have any priority debts thats for sure dont know weather it was same collection agency tho it has also happened at a previouse adress too as i still speke to my old neighbours

[BRIGADIER2JCS]

Plan is to get as much info out of these people then blow em out of the water!!!

[darrenwillo]

brillant brig agree totaly you are fast becomeing my hero thanks friend i realy apreciate this support

[darrenwillo]

brig an update on the CRAs noddle have emailed me and said

 

Thank you for sending us details of your dispute. We'll investigate it and provide you with an update on the outcome within 28 days.

Please don't raise this dispute again before we've come back to you with an update as it will automatically be rejected, and will delay us in processing this dispute.

If we've asked you to send us further documentation or evidence to support your dispute please email this to [email protected] or send it to Customer Services Team, Callcredit Ltd, PO Box 491, Leeds LS3 1WZ, quoting the dispute reference number shown above

got their adress too

 

exsperian said

 

Thank you for your e-mail that we received today.

 

I am sorry you to hear you have had cause to complain. Your complaint has been passed to the Customer Relations team to investigate.

 

I can confirm that we are dealing with this matter as an official complaint in accordance with our complaint handling process. You can find details of our complaint handling procedure here:

 

i havent heard off equifax as yet ill post it as soon as i do though

Thanks again Brig

 

[BRIGADIER2JCS]

Good it's reassuring to know that it's been received!!

[darrenwillo]

can anybody help me please i am after the adress for the data controller at welcome finance ive searched tirelessly for it with no luck obtained many adresses but want the correct one

 

Also as an update to this thread i have sorted my fileing cabinet out and all the letters welcome have sent over the last few days so im now ready to tackle theses debts head on.. many thanks DW

[dx100uk]

in the stickies of the welcome finance forum

 

or any welcome finance CCJ thread

 

dx

[darrenwillo]

thanks DX ill get searching again now

[darrenwillo]

just an update on the case so far

 

Ive prepared the BRIG letter for welcome data controller with copies of the 3 cras stateing my defaults thats getting sent via recorded delivery on monday the 27th jan 2013

 

i have prepared the BRIG leters for the CRAs and thats also getting sent monday via royal mail first class

 

soon as i have responses ill update and seek advice thanks for your help guys apreciated lots and lots regards DW

[BRIGADIER2JCS]

Ok darren good luck!!

[darrenwillo]

brig if you have a mo i am working thriough my 20k debt 1 to 17 debt 2 of 17 is insurance would you mind popping in on that one when you have time please

thanks Darren

[BRIGADIER2JCS]

brig if you have a mo i am working thriough my 20k debt 1 to 17 debt 2 of 17 is insurance would you mind popping in on that one when you have time please

thanks Darren

ok flag to remind me

[BRIGADIER2JCS]

Please link me to the posts you wanted me to look at Darren.

[deeky81]

Hello,

 

I am in a similar position to darrenwillo.

 

I took a loan out with Welcome in 2008 and shortly after fell ill. I tried claiming on the insurance but it wasn't successful.

I got a PPI claim from FSA last year of nearly 2.5k which was credited to my agreement but since they've made no attempt to collect.

 

I was out of work until April last year and I've emailed them and lettered them but no response.

 

My credit file just has 6's, it's never been defaulted or been referred to a collection agency - I'm at a loss as to what to do. I can make payment but they won't be for large amounts, any advice?

 

I get my 6 monthly statement from them but there is never any change on the amount. When I look at my credit file it says 'lifetime change £-515' - which isn't correct.

 

Should I just go to the financial ombudsman and let them deal with it?

 

Thanks