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    • Thanks! I've had several successes in the past 4 years or so which stemmed from a financially difficult part of my life around 2011/13. Basically I was financially trapped with Quick Quid, in a cycle of increased borrowing, during this I'd opened three catalogue accounts: Studio, JD Williams and Simply Be , 2 credit cards (Aqua and Barclays) and was juggling finances. In that time I had got 2 CCJs plus 2 defaults so things were pretty tight. I was using most of my available credit until things eventually became unsustainable. When I moved house I used the deposit to pay off Quick Quid and got into arrangements to repay the catalogues. The credit card limit was still rising until 2017 when I borrowed the balance of nearly £6000 from a family member and cleared the Aqua card. The Barclaycard had already defaulted. In 2017 I began action for irresponsible lending against Quick Quid. Basically they could not show the criteria they used to make lending decisions  and kept lending to me so I won the case. I was refunded all interest and fees  and charges plus 8% pa. When it was upheld it gave me the confidence to challenge JDW and SB. These were also upheld and they had to repay interest, fees and charges plus 8% from the second credit limit increase which amounted to about £1200 each. I challenged Aqua where my redress covering 6 years fees, interest and charges accrued to nearly £9000.  Barclaycard was not upheld but the default was moved back to an earlier date meaning it expires sooner.  All my IRL cases succeeded because none of these companies could prove that they had diligently checked my financial history. My credit report clearly showed that I was using a high or at limit proportion of available credit and that I'd accrued two unconnected CCJ's and 2 defaults throughout the lives of these accounts. Whether they should have given me the accounts in the first place was also brought into question but it was the sustained but gradual increase of CL's time and time again without proper checks. JDW were unable or unwilling to show the ombudsman what criteria they used. It only appeared that because I paid on time they continued to offer increases where in reality I was actually juggling finances like a fine balancing act.  It would appear that the FOS are looking at catalogue debt as I know when my cases against JDW and SB were being investigated they mentioned this.  My case against Studio should conclude soon. I was curious as to why now Cabot are trying to cut their losses by offering such a hefty discount. I can only summise that Studio are trying to buy back the debt for less.  
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HELP with getting default dates changed or gone


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Hi i need help, ive read through so many posts on here and they are full of really useful info, but im also confused with it all .:|

Since 2006 i have been on a DMP and have just partial settled with them all. Most of the creditors defaulted me in 2007, when i started my DMP which i fully understand due to me paying reduced payments. After sending out mt partial settlements via payplan i have obtained my credit report and have discovered that after being on a DMP for nearly 7 years

Lloyds TSB only defaulted me on 28/06/2012

freemans catologue defaulted me on 11/07/2011

Robinsonway defaulted me on 11/06/2008

Cabot defaulted me on 21/12/2008

this means that my credit status has been rubbish for the past 7 years ( which i understand ias i was on DMP) But its also going to be bad for another 6 years because of these late defaults.

Is there anyway of having them removed or the dates altered to when i originally defaulted at the start of my DMP.

All help is greatly appreciated as i am confused as to which letter templates i should use

Please please please help :-):-):-):-):-):-)

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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Are you still with payplan (PP)?

 

What debts are robbersway and Cr@pbot collecting?

 

Have you paid these off now?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi i need help, ive read through so many posts on here and they are full of really useful info, but im also confused with it all .:|

Since 2006 i have been on a DMP and have just partial settled with them all. Most of the creditors defaulted me in 2007, when i started my DMP which i fully understand due to me paying reduced payments. After sending out mt partial settlements via payplan i have obtained my credit report and have discovered that after being on a DMP for nearly 7 years

Lloyds TSB only defaulted me on 28/06/2012

freemans catologue defaulted me on 11/07/2011

Robinsonway defaulted me on 11/06/2008

Cabot defaulted me on 21/12/2008

this means that my credit status has been rubbish for the past 7 years ( which i understand ias i was on DMP) But its also going to be bad for another 6 years because of these late defaults.

Is there anyway of having them removed or the dates altered to when i originally defaulted at the start of my DMP.

All help is greatly appreciated as i am confused as to which letter templates i should use

Please please please help :-):-):-):-):-):-)

 

Hi Welcome to CAG!!

 

Could you please post a suitable redacted copy of these credit file entries something seems very wrong here.

 

I can certainly challenge all the entries if you can give me the original dates.

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many thanks i will try and get redacted copies posted in 15mins (just gotta scan them)

 

the cabot was for a capital one credit card and robinson way was for a cahoot credit card

:-)

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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sorry forgot to add ive just finished with payplan this month as all my creditors took settlements at beginning of this month :-)

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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[ATTACH=CONFIG]41896[/ATTACH][ATTACH=CONFIG]41895[/ATTACH][ATTACH=CONFIG]41894[/ATTACH][ATTACH=CONFIG]41893[/ATTACH]

sorry it took so long but here are the entries from my file

any help is very much appreciated :-)

Edited by lisamelanie2

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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[ATTACH=CONFIG]41900[/ATTACH][ATTACH=CONFIG]41899[/ATTACH][ATTACH=CONFIG]41898[/ATTACH][ATTACH=CONFIG]41897[/ATTACH]

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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Ok what I'm seeing is Freemans default date 11/07/11

Robinsonway '' '' 11/06/08

Cabot '' '' 21/12/08

 

To make any challenge to these would need to know what the status was for each debt Prior to the sale.

 

Do you think/know if these are the Original default dates or have they been changed?

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

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Hi there is also lloyds to 28/06/2012

All the accounts have always been paid on time and no payments missed via my DMP

I started my DMP in 2006 and was defaulted in 2007 by my other creditors which i accept as i defaulted but its just these others that defaulted me later into my dmp

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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Hi Lisa

 

I had the same issue you need to write to the OC pointing out the fact that the default date is incorrect and you could remind them of the ico guidelines, give them a few weeks to reply and if they don't rectify then you can raise with the ico (as i had to do) do you have copies of the original default notice?

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As the previous poster says, write to each creditor pointing out that the default date is wrong and asking them to correct it.

 

If they refuse or don't reply you can then complain to the Information Commissioner's Office.

RMW

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Hi there is also lloyds to 28/06/2012

All the accounts have always been paid on time and no payments missed via my DMP

I started my DMP in 2006 and was defaulted in 2007 by my other creditors which i accept as i defaulted but its just these others that defaulted me later into my dmp

Those that have reported a default more than 6 months after the cause of action in this case entry into a DMP can be challenged, do you know if these were already defaulted by the creditor, banks usually default quite quickly.

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The only default i have a copy of is from lloyds ive never received them in paper form from any of the others, only knew about them after getting my credit report. This is all i kne abiut them as i say ive never received anything written from the other 3 apart from statements.

Cabot wa a capital one credit card & robinsonway was cahoot credit card niether capital one or cahoot gave me any defaults, its only happened when these othe companies have taken over.

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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''It's onl happened since these other companies took over'' this makes me suspicious of the dates, it has been known for a DCA to claim that a default runs from the date they ''aquired'' the account.

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I wrote to each company asking them to change the default date to when the account was originally in default when i started the DMP in 2006, i gave them 14 days to respond :-) . So far i have had a reply from Cabot, which is as follows,

'Dear miss #######

YOUR QUERY

further to your recent letter regarding the account.

Please be advised that we have requested information from Capital One concerning clarificationof your default date.

We shall keep you informed of our progress.

If we may be of further assistance do not hesitate to telephone us on the number shown below.'

 

Well ive read enough on these boards to know NOT to telephone and to communicate only by recorded letter. Can anybody advise what i should do next.? How to repsond to this letter as it sounds to me that there just fobbing me off to be honest, how long should i wait to respond?

Many thanks in advance :-)

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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Wait for the full response! 14 days is reasonable.

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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Hi I received a reply from freemans saying they will reply within 8 weeks and I have also got a reply from Robinson way saying I need to contact cahoot as there saying the default was on the account already when they purchased it in July 2008.

Any advice on how to proceed with the two ?

Many thanks in advance

:-)

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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I think the ICO would insist you wait 8 weeks before complaining to them so if Freemans haven't replied within 8 weeks of the date of your letter just pass that one to the ICO.

 

Over Robinson Way I have a feeling it is up to them to make sure data they hold is accurate so you could write back saying it's up to them to contact Cahoot or ask if that is their final response so you can go to the ICO. It may however be quicker to just write to Cahoot and see what they have to say.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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RW are passing the buck really they now own the debt and are resonsible for the cra file entries,but you can try approaching Cahoot about it.

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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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  • 2 weeks later...

Ive now wrote to cahoot and waiting for a response, the only other one not to reply is lloyds itll be 28 days on the 26th since they signed for the letter :-(

I shall wait til then before i write again to them, how should i aproach them the second time in a letter ( i mean what to write)

Stand up for the little man !

 

Dont take no for a final answer until every nook and cranny has been explored :wink:

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Personally I would write a simple 'please reply to my letter of .....' and leave it at that. If they can't be bothered to reply to you then as soon as 8 weeks have passed just go to the ICO.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi,

New to this wonderful site, so much great information. Sorry to piggyback you on this one. But I am in a similar situation. I took out a DMP also with payplan, also in 2006. I am now debt free too and I am looking into my credit file in the hope of moving house. I had two defaults on my file still showing (as all of the other creditors defaulted me back in 2006. The only two remaining are black horse (defaulted nov 09) and Opus (was citi credit card) (defaulted feb 10) I started a dispute through equifax re them both as I believed they should have defaulted in dec 2006 (as I had had 6 reduced/late payments by then) as this is when most of my creditors did at number 6 on Equifax report. The GOOD NEWS is black horse replied within 4 days and said they agree and will remove default!!!! this has been done. Opus replied saying they have limited info from citi but they would suggest a later default date then feb 10 as it was settled a few months later!!!!!! My question is are creditors restricted as to when they can default you, ie, is it not best practice to default me within first 6 months of my DMP???? how can they justify giving it 4 years later?

There is a chance you could have some help getting them removed through equifax dispute - so I hope this helps you.

If there is anyone who can give me some help in relation to my citi/opus default, I would be very grateful as this is the only thing holding my family back now and I feel so to blame.

Thanks in advance everyone x

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