onesteptoofar UE Diary

[Never-In-Doubt]

Re: onesteptoofar UE Diary

You need to write to each CRA and explain you have never lived there and tell em to remove those links - also do a disassociation from the correct date you split up....

However if any of the debts were joint, and there is a debt outstanding this cannot be disassociated.

[onesteptoofar]

Re: onesteptoofar UE Diary

Hiya

Ok, a couple of things - check there is nothing old and joint between you as this can give rise to do this, also were you EVER resident at that address? if not then they cannot do this, should not have done this and have broken DPA. They have also breached OFT Guidance on debt collection.

Please clarify the state of the credit agency reports to clarify any link, if not then you need to complain to the ICO regards to Data protection breach and also Consumer Direct regards to the OFT breach within debt collection, ie writing to a neighbour or unrelated address when they know where you are based on your recent communication.

Hi Niddy,

Just to confirm i have NEVER lived at either the ex's mums old or new homes. I have also never done a disassociation with her.

If you get back to me before t'moro, great. If not, have a fantastic holiday and i'll catch up when you get back.

onesteptoofar

[onesteptoofar]

Re: onesteptoofar UE Diary

The Lloyds C/C (13k) and Cahoot loan (9k) are on neither report.

It's collectors for the Lloyds C/C IQOR who have been mailing the ex's mothers address.

[onesteptoofar]

Re: onesteptoofar UE Diary

Experian statutory report received. Much more comprehensive than Equifax.

Linked address > 11 Addresses!

These include...

- My childhood home, left in 2000
- Ex-girlfriends old home
- Joint address the ex and I held a mortgage at
- A couple of london addresses whilst i worked away
- A few duplications of these addresses...
- ! Then there is a link between the ex-girlfriends old home and her current address - linked via Nationwide in August 2010!
- ! And again there is another link between the ex-girlfriends old home and her current address - linked via Lloyds in July 2011!

Under the linked addresses there is a "useful addresses" section...

"The following addresses will help you to contact lenders or other organisations if you want to ask them about information on your report.

Lloyds TSB Bank plc: CDR Data Quality Team...etc etc
Nationwide Building Society: etc etc

Nationwide Loan > Defaulted July 10 (Varies from the Equifax date)
Lloyds Loan > Defaulted Nov 09
Lloyds Current A/c > Defaulted Oct 10

There is no information on financial associates or anything about the electoral roll.

Is there anything i can do to remove the addresses where i have no association? The ex and the ex's mother have absolutely nothing to do with me!
We sold our joint property in 2008 and split in early 2009.

Also, who i would send any correspondence to.

Thanks in advance. (head in hands!)

[onesteptoofar]

Re: onesteptoofar UE Diary

Finally gotten around to applying for my statutory credit reports. I'll let you know how i get on as soon as they come through...I was given the hurry up when the ex's mum called to let me know that she had in fact had "quite a few letters addressed to me and i've been calling the companies to try and help me out...but todays company were really quite aggressive towards her..."

Can't believe she's been opening my post! But whats done is done...hoping its only IQOR who have been in touch. Livid! Nosey woman!

Sadly, if i wrote my financial position on a bill board in my small local town the news would probably reach fewer people!!

I'll update as soon as i have the reports back.

Thanks again for all your help.

Equifax report received.

One linked address > My childhood home, left in 2000
Financial associates > None
Not on the electoral roll, was last on in 2000
Nationwide Loan > Defaulted Dec 09
Lloyds Loan > Defaulted Nov 09
Lloyds Current A/c > Defaulted Oct 10

Lloyds Credit Card and Cahoot loan not listed on report. Lloyds Credit card is the one IQOR have been chasing.

No other linked or previous addresses, only search on the account is from a car insurance quote.

Disappointed it took until Oct 10 for Lloyds to default my current account, i had hoped this was around a year earlier.

I'll update when i receive the experian report, and we can take it from there.

[Never-In-Doubt]

Re: onesteptoofar UE Diary

I've received a statement for this account from Nationwide,

Just ignore for now?

Yep ignore, they have to send annual statements.....

[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 - Wescot
Current Status - Contacted threatening to send a doorstep collector in November when i had two feet of snow outside!...then a notice to refund some charges from Nationwide themselves in May '11

I've received a statement for this account from Nationwide, nothing more. The is the only correspondence i've received since May '11.

Just ignore for now?

[onesteptoofar]

Re: onesteptoofar UE Diary

Send off for a £2 statutory one from eqifax & experian.

That's only £2 each

Finally gotten around to applying for my statutory credit reports. I'll let you know how i get on as soon as they come through...I was given the hurry up when the ex's mum called to let me know that she had in fact had "quite a few letters addressed to me and i've been calling the companies to try and help me out...but todays company were really quite aggressive towards her..."

Can't believe she's been opening my post! But whats done is done...hoping its only IQOR who have been in touch. Livid! Nosey woman!

Sadly, if i wrote my financial position on a bill board in my small local town the news would probably reach fewer people!!

I'll update as soon as i have the reports back.

Thanks again for all your help.

[Never-In-Doubt]

Re: onesteptoofar UE Diary

I suspect you never did a disassociation thus she's still linked and she "may" (for all you know) have linked herself via a previous address to the one they wrote to.

Before making any threats get a copy of your credit files. It'll then show you any financially linked "associates" and addresses.

Then we'll sort this

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Send off for a £2 statutory one from eqifax & experian.

That's only £2 each

[onesteptoofar]

Re: onesteptoofar UE Diary

Hiya

Ok, a couple of things - check there is nothing old and joint between you as this can give rise to do this, also were you EVER resident at that address? if not then they cannot do this, should not have done this and have broken DPA. They have also breached OFT Guidance on debt collection.

Please clarify the state of the credit agency reports to clarify any link, if not then you need to complain to the ICO regards to Data protection breach and also Consumer Direct regards to the OFT breach within debt collection, ie writing to a neighbour or unrelated address when they know where you are based on your recent communication.

Thanks Niddy.

I haven't got any free credit checks to use, so i would need to sign up again to check my record. Is this worth doing in this position?

To clarify, we had a joint account and a mortgage together until 2008 when both were payed off and closed (Nationwide). The ex moved in with her parents and we went seperate ways. Her mother has since moved to this new address to which the letter addressed to me was sent... I have no connection with the address whatsoever. The most annoying thing is that they know my address as i responded to the last correspondence from Robinson Way for the debt back in June. So annoyed!

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hiya

Ok, a couple of things - check there is nothing old and joint between you as this can give rise to do this, also were you EVER resident at that address? if not then they cannot do this, should not have done this and have broken DPA. They have also breached OFT Guidance on debt collection.

Please clarify the state of the credit agency reports to clarify any link, if not then you need to complain to the ICO regards to Data protection breach and also Consumer Direct regards to the OFT breach within debt collection, ie writing to a neighbour or unrelated address when they know where you are based on your recent communication.

[Susie]

Re: onesteptoofar UE Diary

Assuming they have your address as they have sent you the CCA and you have had other correspondence from them then I suspect its their way to either get you to contact them.

Have you looked on your cedit files for a linked address or association with your ex's mum as they could have got the address from there.

[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.

Current Status - Letter received at my ex-girlfriends mums house! I split up with this girl over two years ago, and her mum has even moved house to a new address since that time!!

I've had no connection at all with her in the last two years, she even got married and i definately don't have any connection with her mum. Livid!

Apparently this isn't the first letter they've received addressed to me...

Letter is from IQOR Recovery Services.

"Doorstep collection notice....Your debt owed to Lloyds TSB PLC has now been placed with IQOR recovery services for immediate collection and settlement. WE intend to arrange for a debt collector to visit your home to agree with you how you will settle this long overdue debt. You may also respond to this letter and make specific repayment proposals that are acceptable to IQOR recovery services ltd.
Alternatively we may well be able to offer you a substantial reduction on your outstanding balance. This offer is however only open to you for 72 hours from receipt of this letter.
shoudl your financial circumstances prevent total settlement of the account your offer of realistic monthly or weekly repayments will receive our careful consideration.

Letter was received at ex girlfriends mums new house last week... So annoyed!

Anything i can send to stop letters going to this address?

[onesteptoofar]

Re: onesteptoofar UE Diary

Thanks Niddy much appreciated