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Trying to improve my credit file & get debt free ***SUCCESS***


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Hi Everyone

I hope someone can give me some good advise. I want to improve my credit file. I've checked my credit file on creditexpert.co.uk (Experian) and it shows that I owe the following:

· Ambrose Wilson – £229

· Intrum Justitia - £323

· Wescot SPV - £738

These accounts are in default and have been for some time. I’m pretty sure there are more accounts that should show up, I’ve provided my addresses for the last six years and creditexpert have assured me that these are the only accounts that I hold that are showing up. I’m just curious whether any other accounts are likely to show up in the future, as I do owe money to other companies but it was some time ago, but I don’t think all of them were more than six years ago.

Also, does anyone have any advice on the best way to resolve these accounts? I can’t afford to pay off these debts in full straight away but can arrange some kind of monthly payment.

Am I in a position to negotiate on the final amount, since I will be the one approaching them and not the other way around?

I have sent off a form to be put on the electoral roll. Are there any other tips that anyone has that would help me improve my credit rating, which is “poor” at the moment.

 

Thanks

Championless

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My personal take on things: don't bother with a notice of correction, nobody takes any notice of them anyway.

 

I'd be going down the CCA route and requiring these companies to prove that the debt is enforceable. If they can't, request them to remove the defaults and don't pay them any more.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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I'd be going down the CCA route and requiring these companies to prove that the debt is enforceable. If they can't, request them to remove the defaults and don't pay them any more.

 

How do i find out if the debts are enforceable and would they remove the entry from my credit report if they are not? Surely i should just pay it so i can clear my credit file. I haven't made any payments on these for some time.

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How do i find out if the debts are enforceable and would they remove the entry from my credit report if they are not? Surely i should just pay it so i can clear my credit file. I haven't made any payments on these for some time.

 

You could send the CCA letter which asks for as copy of the original credit agreement ( as without being able to produce this the debt is unenforceable ). If they cannot 'prove' the debt then they should not be processing your data ie giving the info to cred ref agencies to list on your file.

 

If you want to pay them that's fine but the original defaults will still show on your file for 6 years from the date they were registered. You can't ask for information to be removed unless it is false and it's the creditor, not the credit reference agency who you would need to contact to remove or amend info.

 

Hope this helps :)

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You could send the CCA letter which asks for as copy of the original credit agreement ( as without being able to produce this the debt is unenforceable ). If they cannot 'prove' the debt then they should not be processing your data ie giving the info to cred ref agencies to list on your file.

 

If you want to pay them that's fine but the original defaults will still show on your file for 6 years from the date they were registered. You can't ask for information to be removed unless it is false and it's the creditor, not the credit reference agency who you would need to contact to remove or amend info.

 

Hope this helps :)

 

If i don't pay them and they remove the information from my credit file, will the default still show up? Will it show as satisfied? From what i can gather, they need to provide the original credit agreement, if they can't the debt is unenforcable and they should remove the information from the file. Is that right? On my credit file it lists the following...

 

Company name: AMBROSE WILSON

Account type: Mail Order

Started: 09/10/2001

Default Balance: £229

Current Balance: £229

Monthly Payment: £24

Defaulted On: 15/08/2002

File updated for period to: 25/08/2002

 

Company name: WESCOT SPV LIMITED

Account type: Mail Order

Default Balance: £738

Current Balance: £738

Defaulted On: 05/07/2004

File updated for period to: 23/01/2005

 

Company name: INTRUM JUSTITIA

Account type: Mail Order

Started: 07/11/2002

Default Balance: £323

Current Balance: £323

Defaulted On: 23/09/2003

File updated for period to: 01/04/2007

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If you prove your debts to be unenforcable, can you get them to remove the information held with the CRAs? I checked my file with experian and it says that i owe to Ambrose Wilson, Intrum Justitia and Wescot. How do i send a CCA without an account number? If i can't, how do i get in contact with them to find out the supposed account number without admitting liability.

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send all of them the following letter

 

include a £1 postal order for each and everyone one of them, send them off recorded delivery.

 

do NOT deal with them on the phone, do it all in writting so you can prove whats been said.

 

Fact is if they are all mail order, chances are there is no credit agreement as mail order companies tend not to have them.

 

send this.

 

 

 

 

Dear Sir/Madam

I am presently striving to organise my personal information and can find no reference to the alleged debt and/or agreement on you appear to have been assigned to collect.

 

Therefore, please supply me with a true copy of the original agreement.

You will appreciate that this is my right and your legal obligation under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974.

I also understand that it is your obligation to provide me with a statement of account and I look forward to receiving that as well.

Since you are a Debt Collection Agency, please also supply a signed true copy of the deed of assignment of the above referenced agreement

Again, this is you will appreciate a statutory obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

Please find enclosed a postal order for £1, this is to pay for the information requested and is NOT to be offset against any alleged debt.

I look forward to hearing from you within the statutory time limit.

 

Yours faithfully,

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Hello championless!

Where can i find the CCA letter?
Here's a link to the letter that U require...

(It's Letter 'N' btw)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Thanks Kenny & Milktrayman.

 

I've worried about checking my credit file for years and when i finally did, it wasn't that bad, but i want to clear it so i can get a mortgage at some point in the future.

 

I will send out the letters as soon as possible. Although is it possible to send the letter without an account number?

 

I don't know if anyone can help with this... http://www.consumeractiongroup.co.uk/forum/barclays-bank/88636-my-two-barclays-accounts.html

It's worth a try, i'm trying to get all my accounts in order at the same time.

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yes you can send it without an account number hence the part "can find know reference"

 

send them, keep the recorded slips so can you track and trace online,

 

keep a file and bin nothing!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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yes you can send it without an account number hence the part "can find know reference"

 

send them, keep the recorded slips so can you track and trace online,

 

keep a file and bin nothing!

 

Thanks Kenny. :) Will keep this thread updated. I'm sure that i'll need your help again soon...

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Received a letter today when i got home from Lowell's. This is the first letter from them, obviously Experian have passed on my details. The tone of this letter is fairly polite and unthreatening.

 

The letter is for an old Barclaycard debt for £339.35. The last time i paid this was around six years ago. Can they still chase me for this? I intend to send a CCA letter to Lowell also, just wondering whether if this was around six years ago, they can still chase me for this debt. There was no record of this debt on my credit file with Experian...

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if you are 100% positive that its over 6 years, send them a statue barred letter.

 

if your not positive, then CCA them :-D

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Hello championless!

if you are 100% positive that its over 6 years, send them a statue barred letter...
The letter template that kennyparkroad refers to, is Letter 'M' in the following link...

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

  • Haha 1

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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updates on this champion?

  • Haha 1

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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I go on holiday on Friday, so i'm waiting until i get back to start sending the letters, so i can keep track of them better. Had two letters from Lowell's now and one letter for a supposed debt, which used to be with Mackenzie Hall and has now been passed to some company that does doorstep collections. I'll be CCA-ing them all as soon as I get back from Turkey. I deserve a holiday i think, it's been 4 1/2 years.

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to be honest id CCA them now, then you can enjoy your holiday knowing they cant do anything against you because its in dispute.

 

just what i would do though.

 

enjoy your holiday

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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yes they have 12 workng days, so send them off and sit back and relax!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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  • 4 weeks later...

kpr

 

How's it going?

 

T.

"Weasel (n): any person or group that operates in that vast grey area between good ethical behaviour and the sort of activities that might send you to jail".

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this is champs thread i was only helping :-D

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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