onesteptoofar UE Diary

[onesteptoofar]

Re: onesteptoofar UE Diary

[q]Nationwide Loan - 20k - Taken Sept 04
Enforceable CCA - Niddy checked
Outstanding balance - 7500
Default - Feb 2010
Last full payment made - August 2009
Token 1 pound payments have been made every month bar 2 since Sept 09 until Sept '10 when i stopped all payments.
DCA - MKRR
Current Status - Posted on this one in July, when i sent an harrassment and account sold in dispute letters to MKRR.[/q]

Letter received in March stating they are currently liasing with Nationwide and will contact me as soon as a response is received from them.....

Fingers crossed but it's all quiet here otherwise. Only 14 months until my first debt will be statute barred (Cahoot)

[onesteptoofar]

Re: onesteptoofar UE Diary

Nationwide Loan - 20k - Taken Sept 04
Enforceable CCA - Niddy checked
Outstanding balance - 7500
Default - Feb 2010
Last full payment made - August 2009
Token 1 pound payments have been made every month bar 2 since Sept 09 until Sept '10 when i stopped all payments.
DCA - MKRR
Current Status - Posted on this one in July, when i sent an harrassment and account sold in dispute letters to MKRR.

Letter received in March stating they are currently liasing with Nationwide and will contact me as soon as a response is received from them.....

Fingers crossed but it's all quiet here otherwise. Only 14 months until my first debt will be statute barred (Cahoot)

[onesteptoofar]

Re: onesteptoofar UE Diary

No post for a while so i thought to tidy up my credit file.

equifax did a disassociation no problem but i am having trouble with callcredit.

my ex partner and i paid up on our joint mortgage in 2008 at address y.

this was our only joint finance.

she subsequently moved into her mums house, address z

address z has made its way onto my credit file without me ever having a connection. i have asked callcredit to remove the address but;

'after investigation the organisation did not authorise the removal of the address link therefore it must remain on your credit report'

lloyds current a/c, lloyds personal loans, lloyds card services....have all got me linked to that address

any advice on how to have the address removed from file?

[vint1954]

Re: onesteptoofar UE Diary

This may be tricky,

I would write to callcredit again, addressing your letter to the Data Controller. Explain that you have no association with that address and never have and that this data is incorrect. Remind them that they are the data controller and responsible for incorrect data entries and will be aware of the penalties for posting false data. Give them 7 days to respond or you will report them to the ICO.

But be prepared it could be a long fight.

[onesteptoofar]

Re: onesteptoofar UE Diary

Hi vint1954, that's excellent.

I will write a letter now and update how i get on.

Thanks for the advice. Have a great weekend.

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Credit Card
Limit increased to 10k over the years - Taken July 05
Enforceable CCA - Niddy checked
Outstanding balance - 13500
Default - Nov 2009
Nothing paid since Sept 2009
DCA - Was Apex Credit Management, went back to Lloyds, then Robinson Way Ltd, then IQOR

I have tidied up my credit files so i guess it was always going to happen that the correspondance would start again...

Letter received from Lloyds.

Your account with Lloyds with a balance due for payment was sold to Lowell Portfolio Ltd by us ....this letter is to give you notice of assignment of the debt.....Lowell Portfolio Ltd are now legal owners of the debt and any payment should be made to them, not us or any of our appointed agents....Contact details are included for 1 Apex View address.

Attached to this letter is a letter from Lowell, introducing themselves and asking me to call them.....

This is a much more polite letter than i'm used to...Any advice / What should i do?

From my credit file it looks as if Lowell have bought all 3 of my Lloyds debts....so i'm expecting more letters in the coming days

Thanks in advance.

[vint1954]

Re: onesteptoofar UE Diary

Just hold fire until they contact you again

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks, sounds good to me.

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Credit Card
Limit increased to 10k over the years - Taken July 05
Enforceable CCA - Niddy checked
Outstanding balance - 13500
Default - Nov 2009
Nothing paid since Sept 2009
DCA - Was Apex Credit Management, went back to Lloyds, then Robinson Way Ltd, then IQOR Letter received from Lowell Financial, asking me to get in touch and agree a repayment plan....

Letter received from Lowell Financial....

We recently wrote to you to let you know we have bought the outstanding debt from Lloyds.....you haven't agreed a repayment plan....phone us now...

Just ignore for the time being?

[MrsD]

Re: onesteptoofar UE Diary

if you are blagging this I'd get a sold in dispute off

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks MrsD

which is the sold in dispute template?

[Pixie]

Re: onesteptoofar UE Diary

Here you are onesteptoofar http://www.all-about-debt.co.uk/inde...lst-in-dispute

Templates tab at top of page ---> Unenforceability ---> Section 3: Additional Requests to Comply ---> Account Sold While in Dispute

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks Pixie.

Posted

[onesteptoofar]

Re: onesteptoofar UE Diary

Nationwide Loan - 20k - Taken Sept 04
Enforceable CCA - Niddy checked
Outstanding balance - 7500
Default - Feb 2010
Last full payment made - August 2009
Token 1 pound payments have been made every month bar 2 since Sept 09 until Sept '10 when i stopped all payments.
DCA - MKRR

Another letter received from MKDP acknowledging the account sold in dispute letter and that they are still liasing with the original creditor.

Quick question - all of MKDP's correspondance is still going to an old family address and i'm getting it second hand as i haven't responded to any letters for a while.

Is there a way to get them to use my current address...or best left?

[Deepie]

Re: onesteptoofar UE Diary

Another letter received from MKDP acknowledging the account sold in dispute letter and that they are still liasing with the original creditor.

Quick question - all of MKDP's correspondance is still going to an old family address and i'm getting it second hand as i haven't responded to any letters for a while.

Is there a way to get them to use my current address...or best left?

Are you renting or home owner...?