Paying off my debts. but who should I pay? Default City

[lucie1211]

@Andyorch BINGO. logged into the portal without having to speak to them..    its not looking good ( how I got myself into so much mess with telecommunications i dont know) 

 

Capital One
Your Reference: 290290
Balance: £513.08
There are no payments set up on this account.

 

Shop Direct
Your Reference: 292099
Balance: £305.44

There are no payments set up on this account.

 

Three Mobile
Your Reference: 346966
Balance: £248.76
There are no payments set up on this account.

 

Three Mobile
Your Reference: 373637
Balance: £858.31
There are no payments set up on this account.

 

Vodafone
Your Reference: 251398
Balance: £1,179.33

There are no payments set up on this account.

 

Sky UK Limited
Your Reference: 342050
Balance: £116.96
There are no payments set up on this account.

 

SSE Retail
Your Reference: 375354
Balance: £205.86
There are no payments set up on this account.

 

Three Mobile
Your Reference: 305887
Balance: £252.98
There are no payments set up on this account.

Orange
Your Reference: 131132
Balance: £443.10
There are no payments set up on this account.
 

 

[dx100uk]

the only thing that was  not looking good for you was blindly paying a powerless dca,!! .

you now  know better....they are not bailiffs!

 

never ever talk on the phone to a dca, they LIE!! to screw you out of money on fake debts you most probably dont even owe...!!

put the phone down writing only.

 

do lowells have your correct and current address for ALL these debts? i'e have you moved since taking them out?

 

 

 

 

 

 

[lucie1211]

Yep!! Cant believe I did it! this is why this website has been invaluable!!

 

Yes moved home ( a lot in uni ) of times now in a house they have sent me a few letters here but i Havent put my name on electoral roll because Im worried someone will come knocking  it looks like i might just have to wait till 2024 and they will all ( BUT ONE ) be dropped off & ill have a sparkling credit file  

 

NAME    START DATE    DEFAULT DATE    REMOVED    AMOUNT     ORIGINAL CREDITOR   
Hoist finance    13/05/2015    15/11/2017    15/11/2023    1529        Bank
lowell    30/09/2015    01/08/2017    01/08/2023    513    Capital One    Credit card
lowell    11/12/2016    20/09/2017    20/09/2023    252    Three    Utilities
lowell    10/12/2016    20/12/2018    20/12/2024    248    Three    Phone
lowell    10/06/2017    17/04/2018    17/04/2024    305    Very ( Shop Direct)    Retail Finance
lowell    02/12/2016    02/12/2016    02/12/2022    1179    Vodaphone    Phone
lowell    27/01/2016    15/01/2019    15/01/2025    858    Three    Phone
PRA Group    10/12/2015    11/09/2017    11/09/2023    1202    Lloyds    Personal loan
PRA Group    22/07/2016    11/09/2017    11/09/2023    744    Lloyds    Personal loan
Scottish Power    06/05/2016    27/12/2017    27/12/2023    432    Scottish Power    Utilities

[dx100uk]

for the 4th? time i've merged a new thread onto an existing one revolving around these same debts..

 

never hide because of bogus debts.....what about the 2 old parking CCJ's you have, you haven't updated that thread just ran away again...they are far more dangerous to you than silly bogus consumer debt.

.

back to post 1 and re read, you'll see the advice upon what to do has not changed.

you should not be hiding from voters, esp as you have CCJ'S??

 

any doorstep dca ARE NOT BAILIFFS!! zero legal powers.

 

now i can see why disputing defaulted dates means so much in your books, the quicker they drop off your file BUT that doesnt mean the debt goes away mind and are not a danger too you.

 

so you don't  own nor are part owner of any property?

dx

 

 

 

 

 

[lucie1211]

Woops sorry!  will continue on this, I called up Northampton CCBC for the CCJS but they said it would take 10 working days and I had to pay £10 each for the judgements and 'claim forms' cant be repeated. so awaiting those so i can get some advise on those.

 

Also gratefully I do not, my partner works in rolls royce so he could afford to buy the house under his own name until my credit file has sorted- I have nothing in my name anyone can take apart from myself, I can afford to pay off these debts but as you said, it wont make a difference to my credit file, and if they bought them for pence I think its hardly fair. 

 

also this statement " BUT that doesnt mean the debt goes away mind and are not a danger too you. "  could you specify what you mean, are you saying a debt from 2010 could somehow come back now? "

 

FYI I have donated due to all the help you guys are giving 

 

[dx100uk]

 for the donation.

 

they should be copy and pasting the particulars of claim from the claimform for you and giving the address each was served too? id you ask that ? thats why you should record your call and get them to read it out from their se=creen.

you can't move any ccj investigation fwd without those details

 

as for the statement i made.....

 

when a debt drops of your credit file as the defaulted date reaches it's 6th birthday, that does NOT mean the debt is dead nor still p'haps owed, esp if the debt owner has never been informed of your current and correct address for EACH debt  in writing, should you have moved since takeout .

 

even a statute barred debt can have a backdoor ccj raised to an old address, as it would be a roboclaim where no human checks anything...so that is why its SOOO important to ensure either the original credit before sale or the debt buyer/dca ha/has in writing your current and correct address from YOU.

 

never assume just 'because' a dca writes to your correct address they have it legally from you in writng if you've moved. for the sake of a 2nd class stamp its not worth the worry.

 

dx