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Hello

 

Me and my partner are trying to gain control of our credit files we have a few debts that are now quite old but even after researching and looking through the site i'm still confused as to where to start. Any help would be much appreciated.

 

I will post the alleged debts below

 

Me

 

DCA Orig Debtor Balance Date of Default

Natwest 683 Dec 2012

Lowel Unknown 283 May 2011

Lowel Jd Williams 229 Oct 2011

 

Partner

 

DCA Orig Debtor Balance Date of Default

Hoist Portfolio Holiding Jd Williams 231 June 2011

Lowell Unknown 199 July 2011

Lowell Shop Direct 578 July 2011

 

I Just dont know where to start

 

Thanks

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are they chasing any of them?

 

 

dx


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

 

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good on NatWest then.

 

 

ok well dca's will chase you

that's their job

but just remember they ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

 

 

so don't unnecessarily enter into comms

esp NEVER EVER over the phone

 

 

the defaulted dates are the important bit

no matter what you do

they are there for 6yrs

and will kill any credit till they fall off on their 6th birthday

as will the accounts too.

 

 

when did you take these all out please.

 

 

and when did you late pay them.

 

 

dx


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

 

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Thanks for your help dx

 

Lowell 229 - Opened Aug 2010- Cant remember last payment date none since default

Lowell 283 - Opened Aug 2010- Cant remember last payment date none since default balance has risen 120 from orig default amount

 

Partner

 

Hoist 231 - Opened Oct 2010- Cant remember last payment date none since default

Lowell 199 - Opened Aug 2010- Cant remember last payment one since default due to threatening phone call around 5 years ago of £15

Lowell 578 - Opened Oct 2010- Cant remember last payment date none since default balance has risen 132 from orig default amount

 

Thanks

 

DC

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ok

what type of chain letters are you getting

just the usual series that you probable see as you've got several debts with the same DCA?

 

 

ever had discounts offered?

 

 

dx


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

 

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To be honest we have been rubbish with the letters do to burying our heads in the sand

 

I only have the most recent letters sent to us

 

Me

Lowell-229 25% discount

 

Partner

Lowell 578-possible litigation

HPH 232-What are you able to pay

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All threatograms offering discounts. Debts UE.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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i'd let things run.

 

 

if you've been getting the lettrs for several years

and never responded

then do that.

 

 

it might be an idea to SAR each original creditor

and get all the statements

 

 

lets see if there are and penalty fees and PPI levied

time to get reclaiming?


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

 

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Thanks. My partner is getting very down about the constant phone calls and letters as well which is a big worry of mine.

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that's the idea of how they work.

 

 

get her to read this thread

and read a few like threads

 

 

paying the debts off will NOT improve your credit.

 

 

if the original creditors sold the debts to DCA's

and got the tax back etc and wrote off the balance to them..

then ask yourself why?

 

 

they could have crushed you in court

 

 

they didn't

speaks volumes to me.

 

 

get a truecall box or one of those new bt blocking phones.

 

 

dx


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

 

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Thanks. My partner is getting very down about the constant phone calls and letters as well which is a big worry of mine.

 

How are you dealing with the phone calls ? Are they landline, mobile or both ?

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We just dont answer they are all mobile and are relentless sometimes up to 20 a day each

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get a log going

always useful to hit them with.

 

 

the more info you get on these debts the better.

 

 

are you saying all the calls are to mobile phones?

if so

install a call blocker app

we have lists of numbers here you can enter

 

 

dx


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

 

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