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tutphish

Payplan for 13 years, decided to do something about it

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it wont hurt no.

 


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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well i haven't heard anything from any further creditors...

 

I did notice that a Capquest/Black Horse debt was still showing on my credit file, going back to 2005. I then checked my paperwork and found a Black Horse default notice dated 2010, so queried it with Experian and Equifax to have the account removed.

 

Equifax quickly replied to say it was my job to chase the creditor directly, but Experian replied that Capquest has no record of the debt ever being defaulted therefore the records were correct.

 

My worry, and it might be a bit paranoid, is that sending a copy of the default notice to them would give them more information on the debt than they currently have? Is that true or am i worrying over nothing? Also is there a letter template for getting credit files updated? Thanks

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this is why we always say deal with the owner not the CRA providers typically

 

send CQ a copy of the DN 

give them 14days to removed the account from all CRA providers else you'll be opening a serious complaint with the ICO and be seeking financial compensation 

 

time to dump PP payment me thinks too.


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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PP payment already dumped!

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:rockon::rockon::rockon:

 

moo cash cow removed

wait for the little piggies to start squealing..


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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Posted (edited)
On 28/06/2019 at 10:44, tutphish said:

I have been looking at putting a letter together for Lowell regarding the combined HSBC Overdraft/Loan debt.

 

In reply to your letter dated 18th June 2019 you have stated that the account you are pursuing me for is an current account overdraft. I have never had an account with an overdraft limit of over £17000 which you are claiming, therefore I dispute this debt.

 

Do i need any more than that? Should i be asking them for a copy of the overdraft agreement? Or let them just reply to the above?

 

Lowell have replied - attached.

 

They seem to be splitting hairs over current account vs overdraft, and then said i need to provide documentation to dispute it?

lowell reply to not acknowledging debt.pdf

Edited by tutphish

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Beggars belief ...how can you have a debt on a current account without an overdraft.....no point writing to a DCA they simply do not understand logic..common sense...and in particular finance.

 

If you must.....ask them to provide proof of the agreement and the credit limit or better still simply ignore them..its really not worth the stress.

 

Andy


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Ive had another pair of letter replies. Both from DrydensFairfax - one regarding the HSBC credit card requesting payment, which came a week after one for the same account acknowledging the debt was unenforceable. So i know to ignore that one.

 

The second letter from them was regarding a Barclays OD (attached). I *think* am ignoring this one too from what i've read on this site, or should i be replying to it?

dydens fairfax barclays request for payment.pdf

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Lol @ it must be completed 

 

Only a Court, HMRC or Council Tax have the right to ask for an income & expenditure form

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Sorry but never enter into pointless letter tennis.

ignore until or unless you get a letter of claim


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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