Gustavo's Diary

[Gustavo]

Hi All,

Looking to get my credit file back in order for a better future, thought ill start a diary and update it throughout my journey to become debt free, also receive advice as I work on repairing my credit file. Must point out I’m a home owner with a running mortgage which is currently rented out privately.

I have not sent any other CCA request apart from one to Lantern which was in November 2019, I have not received any other payment request or letters demanding payments so far, and things have gone quiet for a few years now, I haven't got any paperwork for any of the below debts ill start filling them from now.

Thank you for the help and guidance.

[Gustavo]

Account owner – Cabot

• Type of account - Credit card
• Date commenced – February 2009
• Approx balance - £1808
• Date last 'full' payment – September 2016
• Arrangement – None
• Status – Defaulted August 2015 / Not paying

July 2020 - Sent CCA to Niddy, account is enforceable
May 2022 - Debt has come of my file - (statute barred)

[Gustavo]

Account owner – Volkswagen financial services

• Type of account – Balloon HP
• Date commenced – December 2014
• Approx balance - £9815
• Date last 'full' payment – April 2015
• Arrangement – None
• Status – Defaulted February 2016 / Not paying

May 2022 - Debt has come of my file - (statute barred)

[Gustavo]

Account owner – DWF Law

• Type of account – Unsecured loan/Santander
• Date commenced – September 2014
• Approx balance - £33000
• Date last 'full' payment – Ocotober 2014
• Arrangement – None
• Status – Defaulted April 2015 / Not paying
• CCJ filed date –July 2015, CCJ obtained at an old address

November 2020 - CCJ set aside order obtained

[Gustavo]

Account owner – Cabot

• Type of account – Unsecured loan
• Date commenced – December 2013
• Approx balance - £4394
• Date last 'full' payment – December 2015
• Arrangement – None
• Status – Defaulted January 2016 / Not paying

June 2020 – 50% off letter received from Cabot, no contact made & FILED
January 2021 - Letter from Cabot stating the account is moved back to them, after they asked another company to manage the account FILED
May 2022 - Letter from Cabot, Ruthbridge now taken over to chase payment
May 2022 - Debt has come of my file - (statute barred)

[Gustavo]

Account owner – Lowell

• Type of account – Mobile phone contract/O2
• Date commenced – December 2014
• Approx balance - £769
• Date last 'full' payment – August 2016
• Arrangement – None
• Status – Defaulted September 2016 / Not paying
• CCJ filed date – December 2018, CCJ obtained at an old address

June 2020 – Details sent to for CCJ set aside help
July 2020 - HM Courts final notice before bailiff enforcement resumes letter FILED
May 2022 - Process started for set aside with Joanna Connolly Solicitors

[Gustavo]

Account owner – Lantern

• Type of account – Advance against income
• Date commenced – June 2015
• Approx balance - £916
• Date last 'full' payment – September 2015
• Arrangement – None
• Status – Defaulted October 2015 / Not paying

July 2019 – Payday company gone into administration, made an unaffordability complaint received email from administrators staying: “We can confirm that your loan was not included in the sales to Shelby or Lantern, and as your loan has been repaid in full, you do not need to make any further repayments to CTL”. Find this strange as I thought I had an outstanding balance.

November 2019 – CCA requested & received from Lantern

June 2020 – Complaint email sent to Lantern to stop with their postal letter harassment for payment, which I also included the email response from the administrators. I didn’t know better until I found this forum should have sat on my hands rather than entertain the DCA.

June 2020 – CCA sent to Never-In-Doubt for review
June 2020 - Never-In-Doubt advice to file & ignore
May 2022 - Debt has come of my file - (statute barred)

[Gustavo]

Account owner – Servern trent water

• Type of account – Utility
• Date commenced – November 2014
• Approx balance - £220
• Date last 'full' payment – October 2015
• Arrangement – None
• Status – Defaulted November 2015 / Not paying

May 2022 - Debt has come of my file - (statute barred)

[Gustavo]

Account owner – Lowell

• Type of account – Utility/EDF
• Date commenced – March 2014
• Approx balance - £240
• Date last 'full' payment – March 2015
• Arrangement – None
• Status – Unsure not showing on credit file

May 2022 - No communications with Lowell so far

[Gustavo]

Account owner – Lowell

• Type of account – Utility/TalkTalk
• Date commenced – March 2014
• Approx balance - £210
• Date last 'full' payment – March 2015
• Arrangement – None
• Status – Unsure not showing on credit file

May 2022 - Letter from Lowell, to arrange payment plan

[Warwick65]

Account owner – DFW Law

• Type of account – Unsecured loan
• Date commenced – September 2014
• Approx balance - £33000
• Date last 'full' payment – Ocotober 2014
• Arrangement – None
• Status – Defaulted April 2015 / Not paying
• CCJ filed date – July 2015, CCJ obtained at an old address

Were you aware of this CCJ at the time the claim was issued. If not were they aware you had moved?

Was this an unregulated debt or is a chunk of the money owed doe to forward loaded interest?

[Gustavo]

Were you aware of this CCJ at the time the claim was issued. If not were they aware you had moved?

Was this an unregulated debt or is a chunk of the money owed doe to forward loaded interest?

Only noticed the CCJ last month, yes the original lender was aware of my new address when I moved out, registered with the elector roll since moving out.

Original lender is Santander so I guess it's regulated?

[Joanna Connolly Solicitors]

Only noticed the CCJ last month, yes the original lender was aware of my new address when I moved out, registered with the elector roll since moving out.

Original lender is Santander so I guess it's regulated?

Hello

(I've replied to your earlier email.)

If the claim for this Santander loan was served on an address where you no longer lived at the time then an application to set it aside may be the way forward.

Has this debt, and the associated CCJ, been assigned or is Santander still the owner because I don't recognise DFW Law in the UK? However there is a firm called DWF which has offices in the UK.


Di

[Timewilltell]

DWF is the solicitors that were used by defendants in my road accident case 12yr ago. They worked on behalf of Aviva at the time. Very slick had me followed within weeks of accident.

[Gustavo]

Hello

(I've replied to your earlier email.)

If the claim for this Santander loan was served on an address where you no longer lived at the time then an application to set it aside may be the way forward.

Has this debt, and the associated CCJ, been assigned or is Santander still the owner because I don't recognise DFW Law in the UK? However there is a firm called DWF which has offices in the UK.


Di

Thank you for the reply, I have also sent you a email back.

Sorry that was a typo meant DWF, now amended this in my original post. From the info I gathered after speaking to the court, the served address used was a previous address, I'm 100% sure I changed all my address details to the new one prior to moving out.