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Checked Noodle - 2 Defaults / Elect Role Missing


numbers666
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Hi All,

 

So I bit the bullet...

 

Got two defaults...

 

1 x Lowell's was Orange 1 year left before disappears into the ether, two figure value - probably was a final charge after termination of contract - notice given to terminate on month 23 to end on month 24 (end of).

 

They stated could only terminate from month 24 - I said err no - its a two year contract - I don't wish to continue etc - PAN given (retained old number on new contract - also with EE)

 

Other is RBS - 4 figure with a 1 and 5 at front.

 

OD was limited to 500.

 

About 18 months left to run before disappear.

 

I changed banks to my current due to circumstances - NOA ignored - bad times for me back then (health / work / woman). Charges on Charges on Charges probably make up the bulk.

 

Don't want to wake the hornets. Will do so if they decide to chase with SAR and then will reclaim.

 

Anyway score is trashed 1/5 - what difference will adding the ER information gain me ?

 

Rest of it is healthy, credit cards balances (I pay in full every month and use card every month for spending - just had another increase this year - the third)

 

Water is reported now (WTF!)

 

Bank accounts are shown as zero o/s on monthly updates.

 

Just wanted to know if getting the ER info from the LA will make a difference - been on it for 5 years at current - not recorded.

 

Cheers

 

N

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barring CCJ's then default

not being on voters is the next biggest killer for a CRA rating.

 

 

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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  • 2 weeks later...

Just thought I would add to this.. and some may say its a coincidence.....

 

Just had a letter dated 9/12/14 from Lowell - 2 days after the search - not had anything in years.....

 

Either Christmas Party costs due or......

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Really? Would be interesting to see if they searched and found it...

Its not always a coincidence you know...

 

did you pay them? I ask as they have invited me to their Xmas party... I really wanted the free bar :p

 

On a serious note, get yourself on the ER so it shows up:)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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