Originally posted by debrag
View Post
Announcement
Collapse
No announcement yet.
Getting myself out of debt
Collapse
X
-
-
Originally posted by debrag View Post
SAR received today. Last payment made November 2015 so SB November 2021! Very detailed SAR with screen shoots of all databases, they don't have an up to date landline though Looks like it went to 'doorstep' status at an old address lol Awaiting their next move
Leave a comment:
-
Originally posted by Shotley View Postmost purge to sell their toxic debts and use them as a tax write off don't they?
I plead the Fifth Amendment
Di
Leave a comment:
-
Yes, it's clear the DCA's haven't looked at that creditor closely enough. It should also explain why the original creditor would fail to try and chase the debt in court themselves.
Mind most purge to sell their toxic debts and use them as a tax write off don't they?
Hopefully if Moroniarty Law start court action this would nip it in the bud. Mind they've still not sent the default notice and notice of assignment requested when I returned their LBA form
Leave a comment:
-
Originally posted by Shotley View PostI've just forwarded it to you again Diana Mayhew
That was quick! I've got it this time.
It makes interesting reading
It also makes the point that you have to run forensics over any documentation produced by a creditor/debt purchaser; but more importantly don't let them know what you discover until the time is right.
Di
- 1 like
Leave a comment:
-
Originally posted by Shotley View PostI have found the fatal flaw. I've discussed it with Niddy, (albeit briefly), who says I should keep it under my hat. I will discuss it hopefully later with Di, (I've emailed it to her as well), and if it's a good case I'll share it with you.
Oh dear, I can't find that email in my Inbox and I've searched my Junk folder too.
Would you be kind enough to resend it to me.
Di
- 1 like
Leave a comment:
-
Originally posted by Warwick65 View PostSo if they keep taking the money this will push you over your od limit won't it, thus costing you lots in fees etc. Hence get a written notice to stop paying the cpa immediately. Also if you have a debit card, maybe "report it lost' and ask for a new one
Di
Leave a comment:
-
Originally posted by debrag View PostDebt 13 Trugym
Opened: August 2012 Current Balance: £86 Last payment: November 2015 Last full payment: March 2013 maybe Arrangement: None Status: Default | March 2013 Owner: Credit Resolution Services
2014
January - Email from Zinc "we have been instructed by our client to assist you with the resolution of your account."
March - Missed payment
April - Missed payment
June - balance update by email - £162
July - Settlement offer email - £114.33
July - Payment reminder email x 2
2015
September - Arrears email, balance now £52.44
September - Settlement offer via email £39.33
September - email regarding settlement offer
October - Missed payment email, appear I was paying till May 2015
October - Payment reminder, £2.44
November - Trying to make contact email x 2, balance now £50, did I pay the £2.44??
December - We have not received a response email x 3
2016
January - We have not received a response email x 3
Contact from CRS
2017
June - Letter received stating account sent back to CRS
July - email received:
I would first like to explain that The Zinc Group are a third party organisation working under the instruction of our clients to assist their customers.
The Zinc Group are provided limited data and are considered only to be processors, however Credit Resolution Services (CRS) remain the controllers of the data associated with your account.
In light of this, CRS have requested that you contact them directly should you wish to submit a Data Subject Access Request. You can contact them, stating the reason for your DSAR, including your account details at subjectaccessrequest@harlandsgroup.co.uk
I can confirm your account was returned to our client in March 2016. As The Zinc Group are no longer the managing agents of your account, you have not and will not receive further contact from us with regards to this matter.
Leave a comment:
-
Originally posted by Warwick65 View PostDefaults may show if an agency does a credit check. Not all landlords worry about BR or DRO especially if you are a sitting tenant and up to date.
They were only thoughts and not suggestions.
Leave a comment:
-
Defaults may show if an agency does a credit check. Not all landlords worry about BR or DRO especially if you are a sitting tenant and up to date.
They were only thoughts and not suggestions.
Leave a comment:
-
Sorry anything that goes in the public register is a no no as I'm renting. I have thought about a DRO before though
Leave a comment:
-
You know something has occurred to me. You are a student, are you full time? How many years do you have left?
You have defaults relatively recently so your credit report is kinda screwed.
Depending what job you have/want, a DRO might be an option. I know it hoes against the ethos of this site and not something I am saying do, but maybe now, while you have limited income it would be a good time.
Depending on where you are a student, there might be a good SU with advice.
Just a thought and not a suggestion.
Full blown bankruptcy was always my fallback position should my creditors get too heavy but I didn't need it.
- 1 like
Leave a comment:
-
Originally posted by debrag View PostDebt 3 Very
Opened: December 2016 Type: Catalogue Current Balance: £767 Last payment: £1.00 | July 2018 Last fill payment: November 2017 Arrangement: DMP till May 2018 Status: Late payment on credit report Owner: Very (NCO)
2017
December - NCO letter, 'we are acting on behalf of Shop Direct'
2018
January - Very statement
March - NCO letter, Notice of Sums of Arrears under CCA 1974
March - NCO letter, Total outstanding letter
March - NCO letter, Confirmation of the following payment arrangement (£1)
May - NCO letter - Concerns regarding overdue account
June - Very statement
Leave a comment:
-
Originally posted by debrag View PostDebt 4 JD WIlliams
Opened: June 2013 Type: Catalogue Current Balance: £1740 Last payment: £1.00 | July 2018 Last fill payment: December 2017 Arrangement: DMP till May 2018 Status: Late payment on credit report Owner: JD Williams
2018
March - Payment arrangement confirmation for Payplan's DMP, not longer using them.
Leave a comment:
Leave a comment: