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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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Ive been hiding my head in the sand for quite a while now,

but had taken the decision to sort out my debts once and for all.

 

I joined equifax a week ago to check what damage I had done (Lots as it happens)

but was suprised to see 2 CCj's on there which I know nothing about.

 

They are for relatively small amounts.... £350 and £600 but there is no details about what they are for.

One was registered against me in 2005, the other in 2008.

 

Is there anything I can do regarding getting these removed?

 

I can and will pay them.

.. but surely it is unfair to register something against me I had no knowledge of?

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Hi mustard,

 

Firstly, the 2005 one is only a year away from SB. So let's not rockthat boat. Perhaps someone else can advise as it is an actual ccj, but pretty sure that 6 years puts you in the clear.

 

With the other one you could pay it to remove it if that's an option. Do you want or need to go into what they're for?

 

Would like to know more.

 

M


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a CCJ does not 'roll-off' after 6yrs, it just means it will have to go back to court for it to be enforced.

 

i would have a guess that it will be northapton bulk clear court that issues them.

 

it might well be an idea to ring them and ask for any details of them they might hold.

that could be a start to sorting the issues out .

 

even if you paid them it would only slightly improve you cra rating anyhow.

 

dx


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a CCJ does not 'roll-off' after 6yrs, it just means it will have to go back to court for it to be enforced.

 

 

Thanks for pointing that out dx. Upon reflection that makes sense.

 

M


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Hi folks,

I am desperate to buy a house... but unfortunately, my credit file is in such a mess it would be impossible to get a mortgage at present.

I had alot of financial difficulties a few years ago and pretty much defaulted on every credit card and loan I had.

Looking at my credit file with equifax it shows the following...

- 4 credit card defaults (Tho some of these have been passed onto dca's)

- 1 loan default

- 1 hire purchase default

- 2 CCJ's (though I have no idea what these were for... I never recieved any paperwork)

 

The last of the defaults was a year ago, with the majority of them 3 years old. One of the CCJ's is 5 years old.

None of the defaults are settled. I still owe on them all.... however, they have all given up chasing me as they could not come up with the CCA request.

 

Since my financial trouble I have got myself back on track. I earn a decent wage and have even managed to get a HSBC credit card (my bank)

 

Questions then...

- I have heard that paying the balance of a credit card off in full is not as good for your file as if you pay only some of the balance and therefore accrue interest. Is this true, as currently I pay the entire balance off every month.?

- I have also heard that I may be able to get the CCJ's set aside since I never recieved any paperwork for either of them. Is this true?

- What general things can I do to get myself in a better position?

The only current credit facilities I have is the HSBC card and my O2 mobile.

 

Any help.... however small, will be very appreciated.

Thanks

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Firstly i would subject access request each company that has placed a default on your file in order to see if all the paperwork is correct ie, agreements, defaults etc.

 

If the paperwork is how it should be then you will just have to put up with defaults on your file. Pay them off to have them marked as satisfied.

 

As for the CCJ's one will dissappear off your file in a year and the other you can contact the issuing court for information on who issued it. The creditor would have to had issued you a default before entering the CCJ.

 

Key to clearing your file is pay everything off and gain all the information you need as a starting point.


IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

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Do CCJs fall off the record in 6 years as well then?


Mozzone

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Taking on the bloodsuckers

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Yes they do but if they are unsatisfied they can be enforced ay any time although they will no longer show on your file.


IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

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I had two credit card from cap one and citi card,right after i lost my job and went into a hardship payment plan,got myself back a job and set about paying the debts paid,Firstly asked cap one for settlement figure owed £1000 paid £800.citi card would not give me a sttlement figure owed them £1200 but paid them £800 anyway,Here's the problem on getting a credit report cap one have said settled but partial payment plus a default,citi card have also put a default on my report,I cant get credit probaly due to these two debts,If i paid the rest to cap one and the balance to citi card would lenders look favourably with the debt settled but the defaults still on?, trying hard to clean up my credit rating

 

Thanks

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Although it always good to settle a debt im afraid deafults settled or not are all the same in the eyes of lenders, the only way is to wait until they drop off your file.

 

Not ideal but the only way.


IVA Entry Removed

Nationwide Default Removed

Nationwide Joint Account Default Removed

Natwest Default Removed

Blackhorse Car Finance Court Claim - Won

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Hi,

I recently recieved a letter from Lowell and am puzzled by what it means.

I have 3 defaults on my credit file from Lowell. All to do with old credit cards.

I did a CCA request for all 3 cards and Lowell wrote back saying that they couldnt locate the original agreements and so were not going to pursue the debt and hand the file back to the original creditor.

Then, this week I recieved a letter which states...

 

"After reviewing the account and in the light of the timescales it has taken to achieve a satisfactory response, we are prepared to take a commercial view in relation to this matter and as a gesture of goodwill and strictly without any admission of liability are prepared to close the account. We will ensure your credit file will be amended to reflect this outcome, if indeed this is applicable to you"

 

Now im confused. Does this mean they will remove the defaults? What is a commercial view?

Its strange, as its been about a year since I heard from these guys.

Can anyone shed some light?

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It means they have realised they are flogging a dead horse and have decided to stop wasting their money and resources on it.

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Yep, I gathered that.

But what about the mention of the credit file? Are they going to remove the defaults?

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Highly unlikely (but you never know) They will probably put "settled" next to the offending items. Keep checking your file every month or so and see what happens


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they only update to.. satisfied.. on to your CF and not removal.

 

just keep hold of that letter.

 

for some reason known only to lowlifes they tend to take this view every september to october...maybe a clean out ready for the next bulk buy.

 

lowell tend to forget they have took this commercial view and months down the line they MAY pass it across to red for another try.:lol:

west yorkshire TS will be very interested if this happens yet again.:-)

Edited by sam614
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you gotta love lowlifes....i agree keep the letter safe and wait for the next parasites to crawl out of the woodwork

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for some reason known only to lowlifes they tend to take this view every september to october...maybe a clean out ready for the next bulk buy.

 

I agree with this as I have just recieved the same letter from Lowlifes as the OP :-)


<----------- If I have helped in any way please click on my scales :p

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Hi all,

 

Firstly, any help, support or encouragement will be a huge lift for me in my struggle to get 'back on track'

 

I went through an awful time 3-4 years ago which has pretty much crippled me since then.

At that time I had a good job, house and no history of credit problems... ever.

Then it all went wrong. I defaulted on every account I had. Had repossession proceedings placed on my home and lost the job I had had for years.

It has taken me a while to get back on my feet. But I have!

Whats stopping me now from being 'normal' is the credit file issues that are stopping me from buying another house, or even getting any sort of reasonable credit.

 

The defaults are as follows.

 

1) Aktiv Kapital - £6800

This is from an EGG credit card. Alot of the balance is charges and interest.

 

2) Welcome finance - £9000 (hire purchase)

The car was only £5000 originally and I had made 16 payments of £253 so I have no idea where that balance has come from. I do no that there wasnt any PPI on the account.

 

3) Welcome finance - £3000 (loan)

Original loan was for only £2000 and had made 20 payments of £136. Again with no PPI

 

4) 1st Credit - £1500

Originally a citi financial credit card.

Mostly charges and interest as limit was £1000

 

5) T-Mobile - £250

 

6) Lowell portfolio - £1300

Originally a capital one card. Credit limit £1000

 

7) Lowell portfolio - £700

Capital one credit card. Credit limit £400

 

I have followed previous advice from here and asked for a CCA request from 1st credit and Lowell.

The responce I recieved was the usual 'we will forward it to you in due course'

But they never did. 1st credit said there were sending my file back to the original creditor, and Lowell wrote to me only last week saying that they were closing the case.

 

My questions are.. are the defaults legal now that they have acknowledged that they have no CCA?

Is there anyone out there with the knowledge and know-how to help me fight these?

Can I dispute the defaults if they are made up of unfair charges?

 

I am totally at a loss.

 

To make matters worse, I also have 2 CCJ's listed on my file. I have no idea what they are for. But they are for relatively small amounts. £350 and £500

I didnt recieve any notification of these ever.

 

Thanks to anyone that can help.

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Hi all,

 

Firstly, any help, support or encouragement will be a huge lift for me in my struggle to get 'back on track'

 

I went through an awful time 3-4 years ago which has pretty much crippled me since then.

At that time I had a good job, house and no history of credit problems... ever.

Then it all went wrong. I defaulted on every account I had. Had repossession proceedings placed on my home and lost the job I had had for years.

It has taken me a while to get back on my feet. But I have!

Whats stopping me now from being 'normal' is the credit filelink3.gif issues that are stopping me from buying another house, or even getting any sort of reasonable credit.

 

The defaults are as follows.

 

1) Aktiv Kapital - £6800

This is from an Egglink3.gif credit card. Alot of the balance is charges and interestlink3.gif.

 

2) Welcome finance - £9000 (hire purchase)

The car was only £5000 originally and I had made 16 payments of £253 so I have no idea where that balance has come from. I do no that there wasnt any PPIlink3.gif on the account.

 

3) Welcome finance - £3000 (loan)

Original loan was for only £2000 and had made 20 payments of £136. Again with no PPI

 

4) 1st creditlink3.gif - £1500

Originally a citi financial credit card.

Mostly charges and interest as limit was £1000

 

5) T-Mobile - £250

 

6) Lowell portfolio - £1300

Originally a Capital Onelink3.gif card. Credit limit £1000

 

7) Lowell portfolio - £700

Capital one credit card. Credit limit £400

 

I have followed previous advice from here and asked for a CCA request from 1st credit and Lowell.

The responce I recieved was the usual 'we will forward it to you in due course'

But they never did. 1st credit said there were sending my file back to the original creditor, and Lowell wrote to me only last week saying that they were closing the case.

 

My questions are.. are the defaults legal now that they have acknowledged that they have no CCA?

Is there anyone out there with the knowledge and know-how to help me fight these?

Can I dispute the defaults if they are made up of unfair charges?

 

I am totally at a loss.

 

To make matters worse, I also have 2 CCJ's listed on my file. I have no idea what they are for. But they are for relatively small amounts. £350 and £500

I didnt recieve any notification of these ever.

 

Thanks to anyone that can help.

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Well firstly your in the right place, and amongst those who have been in similar if not worse situations.

 

The fact that Lowlifes have closed their files, is indicative of how lazy they really are, and were hoping for an easier mug to fleece. So expect this and the 1st Crud debts to rear their ugly heads at a later date.

 

You are correct in that to be processing your data and updating your CRF they must have the correct paperwork, and the agreement to prove, otherwise they are committing offences under the DPA.

http://www.consumeractiongroup.co.uk/forum/showthread.php?254802

 

The T mobile account doesn't come under the CCA so they won't provide you with the agreement, the way froward with mobile phone contracts is to SAR the provider. But this is a very small amount so doesn't need any immediate attention.

 

The CCJ's are a concern as they clearly obtained these by default, had you moved around at the time these CCJ's were awarded? If so had you informed your creditors of your new address?

Who won the CCJ's and how long ago?

If you had no idea of these and were not aware so were unable to put in a defence then you should look at getting them set aside.

 

Did you CCA 'ALL' of the above? How many have replied, and how long ago did you send your request? Did you send it recorded delivery?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Think that just about covers it. Only to add, that, unfortunately getting this lot removed from your Credit Files, although technically illegal, will be an uphill struggle. Some on here have managed it with dogged determination and actual Court Action taken against various companies, but, unless you manage to get every single one off, it is not going to make any improvement at all. I have a satisfied CCJ on my files now, and a couple of other 'settled accounts, but no-one will give me any credit, and by that I mean not even a Debit Card on my bank account! I have to use a pre-paid card.

 

If you are going to have a go at removing anything, might I suggest to start first with the account that will 'drop off' last, and work towards the earliest if you see what I mean.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

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The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

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Hi,

And thanks for your replies... even just reading them provides some comfort.

 

Yes, I am definately going to go all guns blazing at trying to sort out and improve my situation..... so watch this space!

 

To answer some of your questions bazooka, I CCA requested Lowells and 1st credit. About a year ago now.

As they have no CCA and have effectively 'dropped' my case, do you know of a template letter I could send them to ask them to remove any data from the CRA's?

 

The CCJ's were issued around the time I sold my house yes. I had no fixed address for a while after that (6 months or so) and so I didnt recieve any paperwork at all.

Unfortunately, I have no idea who these were from as ive never received any correspondance.

 

I am prepared for a long hard battle, I just need some support from you guys.

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I CCA requested Lowells and 1st credit. About a year ago now.

As they have no CCA and have effectively 'dropped' my case, do you know of a template letter I could send them to ask them to remove any data from the CRA's?

Has anyone else come out of the woodwork requesting payment on these accounts? What does your CRF say, if it still has Lowlifes and 1st Crud against the outstanding balance/default entry, then they can be sent the s10 DPA letter, first one in the link below.

 

The CCJ's were issued around the time I sold my house yes. I had no fixed address for a while after that (6 months or so) and so I didnt recieve any paperwork at all.

Unfortunately, I have no idea who these were from as ive never received any correspondance.

Do you know which court these were awarded at, probably Nottingham? The second link below 'might' provide you with this info, either way the point should be to get a set aside as you had no knowledge of these and were unable to defend them, so they were awarded by default.

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980

 

http://www.trustonline.org.uk/

 

How long ago were the CCJ's awarded?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I've only had correspondance from lowells and 1st credit. Not even a whisper from welcome.

Saying that, I have been getting between 4 and 10 phone calls from aktiv kapital per day, but I don't answer and just ignore the calls.

I shall send lowells and 1st credit the s10. Thanks for that advice!

Should I make contact with welcome? I guess if they can't produce a valid CCA then I could fight them too? Or is that too risky?

As for the CCJ's, they were processed in northampton. One in 2007 the other 2008.

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Ok, S10 has been sent to both Lowells and 1st Credit.

Ive also raised the issue with Equifax to see what they do to help.

Not sure still about what I should do about welcome......

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