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  • Gustavo's Diary

    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.
    Last edited by Gustavo; 28th June 2020, 00:54.

  • #2
    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

    Comment


    • #3
      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

      Comment


      • #4
        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
        Last edited by Gustavo; 28th June 2020, 15:41.

        Comment


        • #5
          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

          Comment


          • #6
            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 Diana Mayhew for CCJ set aside help
            Last edited by Gustavo; 28th June 2020, 16:09.

            Comment


            • #7
              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
              Last edited by Gustavo; 29th June 2020, 22:05.

              Comment


              • #8
                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

                Comment


                • #9
                  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

                  Comment


                  • #10
                    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

                    Comment


                    • #11
                      Originally posted by Gustavo View Post
                      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?

                      Comment


                      • #12
                        Originally posted by Warwick65 View Post


                        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?

                        Comment


                        • #13
                          Originally posted by Gustavo View Post

                          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
                          Legal Disclaimer

                          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                          Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                          Comment


                          • #14
                            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.

                            Comment


                            • #15
                              Originally posted by Diana Mayhew View Post


                              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.

                              Comment

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