onesteptoofar UE Diary

[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.

[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.

[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

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?

[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

[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

I double checked the letter dates at the time of posting. I remember thinking 'f@@k' when the copy CCA was received...but i sigh of relief when the next letter came.

It's stressful trying to deal with a mountain of debt hence why i end up leaving everything to mount up. Trying to start 2013 on the best foot and get everything upto date, correspondence sent etc before the festivities.

Everyones help is much appreciated

Thanks,

onesteptoofar

[ScabHunter]

Re: onesteptoofar UE Diary

October '12 - Letter received from MKDP with copy of my signed CCA (as per Niddy checked enforceable signed copy) - letter addressed to my correct christian name
November '12 - Letter received from MKDP, 'we must apologise as we are still unable to resolve your query. We are currently liasing with Nationwide and we will contact you as soon as we receive a response from them...'

Any thing to send to MKDP or should i sit tight? First time a DCA has sent me an enforceable copy of my CCA

Eh? So they sent an enforceable CCA, and then a month later sent a 'still unable to resolve your query' letter?

They obviously haven't got a clue what they are doing. As before, wait to see what they send next.

SH

[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 - Sent harrassment and account sold in dispute letters to MKRR - Milton Keynes Rapid Recoveries in June.

Last posted on this one in July, when i sent an harrassment and account sold in dispute letters to MKRR.

Since then, i have not sent anything to anyone...

June '12 - Letter received from Raven Recoveries notifying account has now been passed to Keynes Collections for litigation consideration
July '12 - Letter received MKDP acknowledging receipt of a/c in dispute letter... 'we are in receipt of your recent correspondence in regards to the outstanding balance....we will be liasing with the original creditor..."
September '12 - Letter received from MKDP with copy of my Nationwide statements, albeit addressed to incorrect Christian name.
October '12 - Letter received from MKDP with copy of my signed CCA (as per Niddy checked enforceable signed copy) - letter addressed to my correct christian name
November '12 - Letter received from MKDP, 'we must apologise as we are still unable to resolve your query. We are currently liasing with Nationwide and we will contact you as soon as we receive a response from them...'

Any thing to send to MKDP or should i sit tight? First time a DCA has sent me an enforceable copy of my CCA

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks ScabHunter, nothing received since September so i'll sit tight...

[ScabHunter]

Re: onesteptoofar UE Diary

Last posted on this one in July, when i'd received my first direct correspondence since the disassociation with an ex.

Since then, i have not sent anything to anyone...

June '12 - Letter received from IQOR 'MAY commence legal action....'
July '12 - Letter received from GPB notifying me they have been contacted by IQOR and 'MAY commence legal proceedings..'
August '12 - Letter from GPB 'Legal action pending...county court claim MAY be issued... ' Possible court costs listed.
August '12 - Letter from Lloyds notifying transfer of debt to Wescot
August '12 - Wescot notifying they have been instructed by Lloyds to recover the debt.
September '12 - Letter from Wescot confirming their records show me at the address and i have not responded. Contact us to pay within 10 days...
September '12 - Nelson Guest Solicitors on behalf of Wescot. 'Wescot is prepared to offer you a 50% discount to settle your account...£6700.. offer valid until ...or will withdraw offer and continue to recover the full outstanding balance'

Is there anything to send / if there is, who should i send it to? Obviously i have no ability or intention to settle for anything like 50%. Statute barred after 6yrs is much more appealing

Thanks in advance
onesteptoofar

Have you received anything since September? If not, definitely leave well alone. Wasteclot are one of the most useless of all the DCAs, and the fact that their pseudo-licitors were offering 50% discounts means this is not heading to court any time soon.

Wait until you receive another threat before you do anything else.

SH

[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...last correspondence was in June '11 from Robinson Way offering £30pm repayment which i didn't respond to. Ex-girlfriends mother then contacted by IQOR...so i did a disassociation with the CRA's in Oct '11

Last posted on this one in July, when i'd received my first direct correspondence since the disassociation with an ex.

Since then, i have not sent anything to anyone...

June '12 - Letter received from IQOR 'MAY commence legal action....'
July '12 - Letter received from GPB notifying me they have been contacted by IQOR and 'MAY commence legal proceedings..'
August '12 - Letter from GPB 'Legal action pending...county court claim MAY be issued... ' Possible court costs listed.
August '12 - Letter from Lloyds notifying transfer of debt to Wescot
August '12 - Wescot notifying they have been instructed by Lloyds to recover the debt.
September '12 - Letter from Wescot confirming their records show me at the address and i have not responded. Contact us to pay within 10 days...
September '12 - Nelson Guest Solicitors on behalf of Wescot. 'Wescot is prepared to offer you a 50% discount to settle your account...£6700.. offer valid until ...or will withdraw offer and continue to recover the full outstanding balance'

Is there anything to send / if there is, who should i send it to? Obviously i have no ability or intention to settle for anything like 50%. Statute barred after 6yrs is much more appealing

Thanks in advance
onesteptoofar

[onesteptoofar]

Re: onesteptoofar UE Diary

If they haven't bothered you for seven months on an enforceable account I would be inclined to let sleeping dogs lie. As the alternative address is one of a family member, no-one will be able to send court papers there to get judgment in default.

I would just be ready to include address change information the next time a threat came.

SH

Thanks ScabHunter, I'll sit tight on this one.

[sara2]

Re: onesteptoofar UE Diary

I have read this dairy it goes to show even if you have the best intention to pay them f&f these creditors are so greedy!!! It has been two years for you, I am glad you did not pay them.

[ScabHunter]

Re: onesteptoofar UE Diary

Should i contact IQOR with an account sold in dispute letter, including the change of address?

The sole letter i have received from IQOR was in May '12

The reason i'm keen on updating contact details is the old address is my mums... She wasn't impressed when the council tax baliffs turned up once over!

Thanks in advance,
onesteptoofar

If they haven't bothered you for seven months on an enforceable account I would be inclined to let sleeping dogs lie. As the alternative address is one of a family member, no-one will be able to send court papers there to get judgment in default.

I would just be ready to include address change information the next time a threat came.

SH