Tastyjane's UE diary

[SaltnVinegar]

Re: Tastyjane's UE diary

Is it wrong to be enjoying this a little

Jane x

Yes its wrong.

You should be enjoying it a LOT!!!

[tastyjane]

Re: Tastyjane's UE diary

Well I have spent the day sorting through cupboards and came across a stash of letters from when I first stopped paying - I was original chased for the second Egg card but they seem to have stopped around 2010. I was also chased re the TSB card in 2012 (August) but I'm not sure I've had anything since. Will wait to see what letters come in the next couple of weeks.

I have come across a couple of default notices for the Capital One card that is about to issue me the SD.... I will scan and send to Niddy if that's OK.

Jane x

[Undercover Elsa]

Re: Tastyjane's UE diary

Yep, do that Jane, send them unedited..only he can see them. Once you're "authenticated" we can see about moving your SD thread to a password protected area too.
Elsa x

PS: I'm proud of you!

[DoTheyMeanMe]

Re: Tastyjane's UE diary

Hi Jane

Just posting to give you a bit of encouragement. You obviously have the right mindset now and, as I am sure you realise, you are in the perfect place for getting help and support.

I am only a little ahead of you in my diary but I can't believe how much I have learned and how less stressed I feel.

It looks like you are going to be moved to a secure thread area soon so good luck and remember to let us know you are OK.

[IF]

Re: Tastyjane's UE diary

I wish you well on your UE journey too Jane

Yes its wrong.

You should be enjoying it a LOT!!!

[tastyjane]

Re: Tastyjane's UE diary

Well today I have received my SD - very scary, I have emailed to Niddy....

Jane x

[Undercover Elsa]

Re: Tastyjane's UE diary

Hi honey, are you OK?
Hopefully Paul/Niddy can help you fend this off if that's the way you decide to go.
You're doing the right thing looking into all aspects of this though, it's always best to make an informed choice.
If anyone has experience of BR and can contribute to the discussion of the pros and cons for Jane, please do. Discussion thread here:

http://forums.all-about-debt.co.uk/s...ead.php?t=9065

Elsa x

[tastyjane]

Re: Tastyjane's UE diary

Thanks Elsa, at least I now know what I'm dealing with and I'm trying to get as much information as possible to make an informed choice for my circumstances. I just wished I had found this site before I cannot tell you how reassured I feel knowing there are people out there that have/are going through the same and don't judge me.

Jane x

[Spud]

Re: Tastyjane's UE diary

There is certainly no judgment on this site

Just a shed load of sensible (Mainly !) people who are more than willing to share their experiences and chip in with some support and help when you need it most.

Gives you a lovely warm feeling inside it does

[Spent2much]

Re: Tastyjane's UE diary

There is certainly no judgment on this site

Just a shed load of sensible (Mainly !) people who are more than willing to share their experiences and chip in with some support and help when you need it most.

Gives you a lovely warm feeling inside it does

agree, not once have i felt judged or even uncomftable on this site, there is another site which judge and i don't need to mention its name i think we all know it .

this place is the best

[tastyjane]

Re: Tastyjane's UE diary

Right tonight I have checked my Experian account and have discovered some interesting stuff. My Barclaycard account has a gone away date of 1/1/13 - what does this mean?

Egg are showing my account as satisfied with a default date of 26/11/08 but assigned to a CAIS Member on 1/12/10 but Aktiv Capital appears to have the same card with the same default date but hasn't updated since 29/08/10. The amount they are stating doesn't relate to either Egg card.

I do appear to have a Barclaycard with the same balance as one of my Egg cards default date of 19/12/08.

My Barclaycard is now showing as Cabot Financial with a default of 04/08/09.

My AA loan, for which I have a CCJ is still showing in default - is this right?

But the strangest thing is that my Capital One account doesn't show at all although Lowells have searched my credit records once in November 2012 and again in December 2012.

Surprisingly my credit score is fair with quite a high score!

Can anyone explain what a gone away date is?

Jane x

[tastyjane]

Re: Tastyjane's UE diary

Also looking again some of the start dates (which I am assuming relate to when the card was taken out don't seem to add up, particularly with the Egg ones).

Jane x

[Pixie]

Re: Tastyjane's UE diary

This is from Experian's own publication "Your Credit Report explained http://4dlab.info/money/your-credit-...-explained.pdf



GAIN - Gone Away Information Network

It seems that they have obtained information saying that you have moved house without letting them know.

[tastyjane]

Re: Tastyjane's UE diary

Interesting as I haven't ...... Should I let them know or just ignore it? Or is this a silly question when I am pretty sure I made my last payment in November 2008.

Jane x

[Pixie]

Re: Tastyjane's UE diary

My instinct would be to ignore it but I'm not at all sure.

Perhaps someone else will know.