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Hi,

 

 

I am trying to tidy my credit files up. I had money trouble 4/5 years ago. I have been sensible since then.

 

 

I was wondering if anyone can help me:

 

 

1. Lowell etc are searching my files like mad. Does this affect my credit score?

 

 

2. If I have ignored an account and it went into default, does it fall off my file 6 years after the default or is it longer?

 

 

3. If there are credit accounts that I don't recognise do I do a data request (the £10 thing) or is it a SAR (I am not sure what the difference is)?

 

 

Thanks in advance.

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some of yr background re lowell? http://www.consumeractiongroup.co.uk/forum/showthread.php?446458-Lowell-adding-their-own-accounts-to-my-credit-files

 

yes, a legitimate default lasts for 6 yrs

some brief info re cra eg http://www.consumeractiongroup.co.uk/forum/showthread.php?445777-Online-Credit-Reports

 

what a/c's dont you recognise. wld hold off from doing requests on those atm. lets see what they are about first.


IMO

:-):rant:

 

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1 ) No these are personal searches i believe... So you and them will only see them (Aswell as CRA)

 

2 ) Yes 6 years from default date.

 

3 ) SAR is £10 PO request for personal info.

 

However please tell us more about the accounts. Maybe we can help.


 

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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Thank you Ford and FKO.

 

 

I have accounts for gothia, Myjar, kapama and redcastle. I really don't know what these are.

 

 

There is also an account that I have with Lowell for an old store card. The balance was about £500, they started CC proceedings last year and I defended it and they pulled out before a hearing. They have updated the balance of the debt to £900 (as if they had won their court fees!).

 

 

I thought I had read somewhere that there is a request for information that you send £1 off to get, but I could be confused.

 

 

I will have a look at those links you have posted now.

 

 

Thanks

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Gothia is a DCA

MYJAR a PDL Firm

KApama are ex Minicredit - PDL Firm

Redcastle are part of Gothia...

 

As for those charges from Lowell, they shouldnt be applied if they pulled out and you cant be held responsible. One step at a time though.

 

When you check Clearscore and Noddle, what does it say for each account?


 

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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£1 PO - CCA Request to check for Consumer Credit Agreements

£10 PO - DSAR Request to receive all information under the DPA 1998


 

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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I thought I had read somewhere that there is a request for information that you send £1 off to get, but I could be confused.

 

Thanks

that sounds like a cca request for 1£

have you done one of those for those accounts?


IMO

:-):rant:

 

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Gothia is a DCA

MYJAR a PDL Firm

KApama are ex Minicredit - PDL Firm

Redcastle are part of Gothia...

 

As for those charges from Lowell, they shouldnt be applied if they pulled out and you cant be held responsible. One step at a time though.

 

When you check Clearscore and Noddle, what does it say for each account?

 

 

 

 

Thanks. For Lowell it says on Clearscore and Noddle the same thing, just a default and that the start balance is £615 (current balance is £984).

 

 

I was thinking of looking into trying to claim back some PDL interest. I went through a period of having lots and lots of them trying to stay afloat before I just couldn't handle the debt anymore.

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that sounds like a cca request for 1£

have you done one of those for those accounts?

 

 

 

Thanks. I have not done a CCA or a SAR for any of them yet.

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