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    • Hi @slick132 apologies for the delay responding.   Letter to the gym (1Life):   "Dear 1Life   RE: Cancellation of memberships ********* & **********   I refer to the aforementioned memberships at 1Life ******* Leisure Centre. We have cancelled our Direct Debit mandates and now realise that we did not provide 30 days’ notice needed. I therefore offer to pay the outstanding £49.98 for the notice period, consisting of £24.99 for ********** and £24.99 for *********.   I will pay no administration or cancellation fees and no further membership amounts. I consider the third parties attempt to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contract is terminated and we will ignore any further demands. If you confirm in writing that you will accept the amount of £49.98 in full settlement of all that I owe, I will pay you promptly. If you fail to accept my offer within 14 days or you demand any higher amount, I will pay you nothing and my offer will be withdrawn.   Yours Sincerely,"   Letter to DCA (DFC):   "Dear Debit Finance Collections Plc   RE: Notification of Unpaid Direct Debit Payment - Ref No ******** & *********   Further to receipt of emails from yourselves regarding missed payment and late payment charges, I confirm that I will pay no administration or cancellation fees and no further membership amounts. I consider these attempts to charge unlawful penalty unacceptable and unfair to me as a customer. Hence the contracts are terminated and we will ignore any further demands.     Yours Sincerely,"   Interestingly (and more than likely irrelevant) the email response from DFC stated that they wouldn't deal with me regarding my partners membership due to data protection, but then they also named her in the email! Surely a breach of data protection in itself!   Thanks Buddy2015  
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yesilgozlerim

Hitachi personal finance

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Hello everyone,

 

I haven’t posted in a while

last time I did, I was advised to let a loan dmp default rather than have ap markers on my account for life - so that’s what I did.

 

My last payment was December 2018 to Hitachi.

I had a letter giving me a refund of some back in February and just one letter last month stating I hadn’t made payments for my loan and to contact them... 

 

its been 5.5 months and I’ve had no emails , no correspondence of threatening to default , nothing.....

most likely they will default me

but what if they take too long and don’t default me?

 

Can I force them to default me?

Or if they take too long to apply it,

is there a way to try and get it removed because they are slow and not following procedure or something ?

 

 

 

 

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so you have AP markers on this on your credit file from 2016 was it?
 

dx

 

 

 


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No, they begin from August 2017 when I set up a repayment plan with them ( but the account has been in arrears since October 2016 .. just it has AA BB DM markers from October 2016 until August 2017...

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well when they sell it and register a default

you then complain that the default should ideally have been registered 3-6mths after you 3rd missed/short/non payment.

there are no hard and fast rules that state they must after 2014 changes

but it might work

 

dx

 


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So technically they should have defaulted me between jan -April 2017? 

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sadly any hard and fast rules or guidelines from the ICO changed in 2014, but its worth the punt

but wait till they sell it to a powerless dca and default it then try.

 

 


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Yes this is what I’m waiting for but they’re takin too long to default me and sell it on! 

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Hello,

Just to provide an update on the situation, it as been 7 months since i made my last payment.

 

I received a letter on 17th June from Hitachi telling me the debt had been sold to Lowell Portfolio 1, and also a standard letter from Lowell saying the account was sold to them and i should make payment to them.

BOTH letters were in the same envelope.

 

I havent received any more letters or calls since.

 

 

I have NOT recevied any default notices and no defauts have bene applied to my credit file.

IF and WHEN i receive a default from Lowell, will the default apply from the date Lowell register it or will be from before?

 

thanks

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only the original creditor can send a default notice and default your account.

typically though that happens upon sale. because a debt must be defaulted to litigate.

you probably see it appear in the coming weeks, CRA providers nor OC's are ever that quick upon updating files [can be +2 mts till it shows]

 

 


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But I haven’t received any DN or anything other than they sold the debt to Lowell.

How can i receive the letters they have sold it BEFORE receiving a DN ? It is odd ! or is it normal ?

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lowells are just quicker off the mark probably that's all.

the fact you've received no dn is to your advantage.

if there isn't one

then lowells will have a hard job if they goto court.

 

 


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Ok so I have received another letter from Lowell “ Payment Due “ 

 

And all the ways to pay or make a payment plan!

 

Still no default notice from Hitachi ..

 

Where do I go from here ?

 

is it worth making a complaint ?

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god no dont invite letter tennis.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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So what do I do ?

 

I was just thinking of complaining to Hitahchi not Lowell! 

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its still very early days for a credit file to be updated

typically can take 6-8weeks.

are lowells  showing as the owner yet?


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MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Not yet but that’s not my problem- it’s just that hitachi has sold it on to lowell without defaulting me and no DN or intention to default, and nothing registered on my credit files! I want that default applied.

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you don't know that

its not appeared on your credit file under lowells name yet.

OC's don't, and wont send a DN when they default a debt and sell it on..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Do the OC  not have to default it in order to sell it on DCA then ?

 

i’ve one default with Aqua- registered 2 years or something ago

when I was 3 months behind hey sent me a default notice and sold it on! 

I thought that was standard practice.

 

Hitachi didn’t send me a default notice just a letter middle of june saying it had been sold to lowell on 29th May! How can they sell on a debt that hasn’t officially defaulted (( as the OC has not marked it as defaulted )) 

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as I said..

 

OC's don't, and wont send a DN when they default a debt and sell it on..

[if its not already been defaulted]

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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there is no hard and fast rule they must

to the date of the sale, if they've not already sent a default notice and default you.

they have no reason to send a default notice letter when they sell it on

typically most creditors do register a default upon sale some don't but its rare

 

bit early for yours to show yet IMHO.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ok so it’s been 3 months since Hitachi sold my debt to Lowell!

Still no Default registered against any CRA.

Clearscore ( Equifax ) is saying that Hitahchi closed the account with a Zero balance.

 

 

Received a letter from Lowell now saying they may take legal action and apply for a CCJ .

 

I don’t know what to do now !!

 

 

 

 

 

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not been reading up then. car is self help too...

that's what DCA's do ....threaten ...may this could if but instructed.

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Car is self help ? what do you mean ?

 

I just am so confused about all of this.

 

I thought that the debt must be in a defaulted status in order for Hitachi to sell it on.

The account with Hitachi wasn’t and, with reference to CRA, hasnt been marked it with a default. It’s been 3 months !

 

Lowell bought it and have made payment requests which I haven’t responded to as no default. I don’t want AP markers stuck there  why I was wanting the default.

 

Any ideas what my next step is ?

 

Thanks 

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