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    • Hi @BankFodder and Dx100 thanks for your replies. Well nothing has defaulted yet as I had been able to make payments up until this month for everything. This/next month is when the shit is going to start hitting the fan basically and I want to  The livelend loan is about a year old.  Bamboo is like a month and I've made one payment Likely a couple of months and I've made two payments.   Aqua credit card I've had for a few years and it started with a smallish limit and they kept increasing it. Say it went to up to 1600 at some point and I used it and paid it back and didn't use it and they increased it a couple of times. I had always paid it off and had it sitting there doing nothing so they were quite happy I guess. Interestingly they actually cut the limit by 300 to just under 4000 and I got a letter saying after a review they were doing that (I don't know what triggered them to do this). It was only in June that they increased it significantly from approx 2.5k or 3000 to 4100.    Capital One credit card I think they increased it once and again I only used it once and cleared it and then they increased it slightly and I've utilised it all now. I have probably had it a year or so. Paypal credit they just offered me 2.5k limit and I used it for buying things. It was probably opened 18 months ago. I missed payment last month but paid it since. Barclays I've been with for years and am actually premier (lol) and have had loads of money going through my account but never sitting in there for long and I actually don't have to pay anything for my overdraft.   Santander I have had the account for a few years but never really used it too much, it was more of a backup current account and I used it for work once where I needed to keep some things separate. They only recently let me have an overdraft and I basically spunked it up the wall this month.   @dx100uk Thinking about it I didn't have any real credit for a fairly long time aside from payday loans which I got into a trap with but basically paid off.  The only thing that was a major negative on my credit file was the closed Halifax account with a balance of between -£3.7k or -£5.2k depending on when they looked at it. So what I'm saying is I don't think it was shot to shit (though it certainly wasn't good enough to get many "normal" low-interest products.   Bamboo and likely loans are, I imagine, high risk lenders in that they will give them to people with not great credit but with that comes high interest. I think one is 60% and the other 70%! These were basically used to try and gamble my way out of the shit (oops :o). Nobody sane would take out such loans but as I've admitted I'm deluded. Livelend they were more reasonable around 13%   I feel like I could have a chance with bamboo and likely about irresponsible lending and it doesn't hurt to ask. With everyone else (basically the credit cards) I think I should just write and offer them £1 a month and say I will review in 6 months (or is it 3? I forget the standard practice).   I didn't realise that considering DRO or BR was "stupid"; The amount I owe feels insurmountable and hence this is why I was considering those options...    Is it better to approach them now or wait for things to default? I don't mind if they pass them off to DCAs but I would prefer to get them to agree to freeze interest so the number owed doesn't rack up. As I've read countless times DCAs are basically powerless and have to work with what I offer (which, currently, is basically nothing). I still want to bury my head in the sand but I think for my mental health it would be better to get ahead of things. I guess I shouldn't care about my credit rating now. There's no reason I need to get in this position again. I know that I need to do things in writing and refuse to talk over the phone. Are emails suitable in this day and age or do I need to stick to physical letters? I think that recorded delivery isn't necessary just proof of postage?   Sorry for the long post and I hope I have got my thoughts across.  Thanks again      
    • Thank you so much Dx!   The Claimant is:   Lowell Portfolio 1 LTD Ellington House Leeds   But beneath it says "Address for sending documents and payments" Lowell Solicitors Limited PO BOX 1419 Northampton   I sent the CPR to the Lowell Solicitors Limited address. Should I send the CCA to the same or the Portfolio one?
    • please note your corrected defence filing date   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]     dx  
    • not sure you can use any of that to avoid paying sadly you could send them an sar to get all the details that would prove or not if they did send them nia email there are some accounts that do state this in their T&C's so I don't think there is much hope of getting out of not paying what you owe though.   get in contact with the supplier ignore the DCA set up a DD paying your on going usage and a fixed sum off the arrears IMHO.   dx  
    • Thank you Dx   Name of the Claimant? Lowell Portfolio I LTD   Date of issue: 22 Oct 2019   Date  to acknowledge) = 10th November   date to submit defence = 22th Nov    Particulars of Claim   What is the claim for – the reason they have issued the claim?  1)            The Defendant entered into an agreement with Very - Littlewoods/Additions Direct which was regulated by the Consumer Credit Act 1974 under reference ******** on 02/12/2014 ('the Agreement'). 2)            In breach of the Agreement, the Defendant failed to maintain the required payments and the Agreement was terminated. 3)            The Agreement was later assigned to the Claimant on 09/09/2016 and written notice given to the Defendant. 4)            Despite repeated requests for payment, the sum of £990 remains due and outstanding. And the Claimant claims a)            The said sum of £990 b)            Interest pursuant to s69 Count Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.216, but  limited to one year, being £80 c)            Costs   What is the total value of the claim? £1200   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol)? YEs   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? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   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? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes (Credit Karma)   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 Purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure, likely did.   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year? I think so, yes   Why did you cease payments? I made a late payment due to changing current accounts and because of this it cancelled some offers like pay later and I had to pay large amounts at once that I could not do so I ended up defaulting.    What was the date of your last payment? Unsure, I don't believe it is statute barred yet. I will find this.   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
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kconroy

Information under incorrect linked address on credit file.

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Hi,

 

On my credit file there are two defaulted account associated with a linked address. I have no link with this address at all, it is a apartment block up the road from mine that is often mistaken for mine as the addresses appear similar. However, the accounts are mine and they are registered in my name. I know it is a long shot but before i contact them to rectify this would i have anything to argue to try remove these defaults on this basis?

 

Any advice would be appreciated. Thank you in advance.

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Yes of course you can challenge this, the data is incorrect and must be changed,

First you need to check all the credit reference agencies, Experian/Equifax/CallCredit to

see if they have think linked address to.

 

The way forward is to write THE DATA CONTROLLER of each credit reference agency enclosing a screen print of the entry and some form of proof of your accurate address and make a statement of disassociation regarding the linked address.


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All that will happen is the address will be corrected, the accounts will remain until the default dates are 6 years old as this is your accounts.

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The entry will be removed entirely, it is not your debt/account the whole thing goes.


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They admit the debt is theirs so the linked address will be amended to the correct address with the accounts remaining attached to this, they will then drop off after 6 years from default. The CRA has obviously matched them to the incorrect similar address as the accounts display their correct address.

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Very unlikely to succeed.


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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