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Credit rating, defaults, ect .... advice


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Good afternoon everyone,

 

I have come here seeking advice to guide me for the future.

 

I've just, very recently, come to the decision that I want to save for a house.

 

I'm now saving, and hope to have enough money for a deposit in 6-8 years time.

 

However, my past haunts me, and I'm lost as to what the best options would be to go about accomplishing my dream.

 

I have obtained my credit rating from Experian, which at the present time is 712 (poor).

 

I have many defaults against my name. This was due to not being able to meet my financial obligations because of losing my job and illness (resulting in me not being able to secure a new job for a while).

 

I have an overview of my history, but I'm not allowed to insert an image, or post a link yet, which is unfortunate because I believe it would help no end.

 

i.imgur.com/WAltepx.png

 

I want to know if it's best for me to leave these be, or start paying them back????

 

I, foolishly, contacted 4 of them yesterday, via email, without seeking guidance first .... still yet to hear back from them.

 

I will be extremely greatful for any, and all, help that's offered.

 

Kind regards,

Matt.

Edited by Matt88
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Hi Matt, welcome to CAG,

 

To be able to advise fully on the CRA file, it would be helpful if you could just list the debts with the following details.

1. Name of the creditor ( OC) name of the DCA is involved.

2. The amount outstanding.

3. The Default date.

4.The date of the last payment and/or written acknowledgment of the debt.

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

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Thank you for the welcome Brigadier.

 

Here is the info I think you are after:

Debt 1:

Lender/Type = Santander unsecured loan

(no DCA involved)

Balance = £1,779

Defaulted = 03/02/2010

Debt 2:

Lender/Type = Natwest unsecured loan

(no DCA involved)

Balance = £5,497

Defaulted = 02/01/2010

Debt 3:

Lender/Type = Natwest bank current account

(no DCA involved)

Balance = £1,344

Defaulted = 30/11/2009

 

Debt 4:

Lender/Type = Barclaycard (shows default satisfied??)

I believe Lowell Portfolio are involved

Balance = £941

Defaulted = 29/04/2010

Debt 5:

Lender/Type = Crazy clearance mail order catalogue

(no DCA involved)

Balance = £136

Defaulted = 04/05/2009

 

Debt 6:

Lender/Type = Capital one credit card

DCA involved = Cabot financial

Balance = £361

Defaulted = 22/01/2010

Last contacted = 19/06/2013 (via email, they responded by saying they could only deal with me by phone, and that I should ring them .... I was stupid)

 

Debt 7:

Lender/Type = Vodafone or Orange mobile contract

DCA involved = Capquest

Balance = £148

Defaulted = 05/08/2009Last contacted = 19/06/2013 (via email, no response yet.... I was stupid)

Debt 8:

Lender/Type = Vodafone or Orange mobile contract

DCA involved = Capquest

Balance = £142

Defaulted = 06/07/2009Last contacted = 19/06/2013 (Same email as above)

 

Debt 9:

Lender/Type = Vodafone or Orange mobile contract

DCA involved = Capquest

Balance = £135

Defaulted = 10/10/2009Last contacted = 19/06/2013 (Same email as above)

 

I have 3 more reports, which are all "Satisfactory" with "£0 balance". These are my current accounts (with Nationwide & Lloyds) and a Virgin media contract (Land line, TV & internet) .... however I don't pay for the later.

 

I hope this helps,

Cheers,

Matt.

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Hi Matt,

I'll try to analyse the information for you and then post up my thoughts.

 

Brig.

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 Matt88,

 

If these accounts are definitely with us could you email me with the relevant details via the Contact us form here and quote the code WRT135 - CAG Forum in the subject line?

 

Once sent you'll receive an automated reply with a reference number. To make sure it reaches me could you update the thread with this and I'll get back to you as soon as possible?

 

Kind regards,

 

Lee

 

Web Relations

 

Vodafone UK

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  • 2 weeks later...

Hello Matt, have you been in touch with Lee?

 

Debt 4. CCA request to Lowell if they have written to you.

 

Debt 5. CCA request to catalogue company.

 

For the others if you are not being pressed for payment leave alone for now.

 

Vodaphone account (s) Lee I know will do his best to help.

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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Thank you brig,

 

I will get those CCA's sent off ASAP.

 

I won't touch the others.

 

I have just sent off the inquiry relating to the vodafone account, and have been a reference of #11647748.

 

Thank you, and Lee, for all your help so far.

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Well done Matt, please keep up us up to date on the progress.

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 Matt,

 

Thanks for coming back to the thread.

 

I've received your email and will get back to you as soon as possible.

 

Brig, thanks for the reassuring words here, they're appreciated as always.

 

Kind regards,

 

Lee

 

Web Relations

 

Vodafone UK

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Hey brig,

 

one quick question .... if I send off the CCA's will it not restart the whole "6 year" process again?

 

Thank you for your help again,

Cheers,

Matt.

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nope

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

leave the payee BLANK

post the two off by 1st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

firm demanding money

 

street,

 

town,

 

county

 

postcode

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 12345678

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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