commit2change UE diary

[commit2change]

Re: Committed2Change UE diary

Update

So I have sent off my CCA requests and PO to the top 4 and the overdraft CCA letter to Barclays.

Annoyingly I missed the last post - stupid me thinking last post would be after the post office shut on a Saturday since it closes early - nope it was at 11.30am not 12.30 sigh. At least they are sent - it feels good to have made a move after having to spend 4 days thinking about it but being unable to do anything due to work.

Now I get to sit and wait for replies

Oh and I sent my letters on nice yellow paper as I have run out of white and can't buy more until payday

[Deepie]

Re: Committed2Change UE diary

The weird thing is that the account numbers are different - I guess IDEM assigned their own number. But both have the same start date, and I know that it is the same debt as I have a letter from HSBC saying it has been passed to IDEM.

They often change account numbers when sold on......

[commit2change]

Re: Committed2Change UE diary

Ok raise a dispute with the CRA direct against the entry number - you will dispute the oldest default, as being the correct date but then ask the CRA to remove this and change the latest default to show the oldest date.

so in theory Idem will have the default using the original default date as placed by the HSBC one.

Thanks, I've raised a dispute - though it doesn't let me give the full details of the issues initially - I guess I'll have to wait for their reply and then fully explain it.

The weird thing is that the account numbers are different - I guess IDEM assigned their own number. But both have the same start date, and I know that it is the same debt as I have a letter from HSBC saying it has been passed to IDEM.

[Never-In-Doubt]

Re: Committed2Change UE diary

Ok raise a dispute with the CRA direct against the entry number - you will dispute the oldest default, as being the correct date but then ask the CRA to remove this and change the latest default to show the oldest date.

so in theory Idem will have the default using the original default date as placed by the HSBC one.

[commit2change]

Re: Committed2Change UE diary

One default will show settled and one will show live, the settled one is hidden from view and wouldn't affect you. Can you clarify this is the case....

I can see them both - neither say settled

Idem Capital Securities -balance: £ 6,002 - updated: 20/12/2013 status: Default
HSBC Bank - balance: £ 6,994 , updated: 30/11/2013, status: Default

Yeah both are defo live - I can see my Barclaycard settled as Link issues their own default.

So it defo on TWICE!

[Never-In-Doubt]

Re: Committed2Change UE diary

One default will show settled and one will show live, the settled one is hidden from view and wouldn't affect you. Can you clarify this is the case....

[commit2change]

Re: Committed2Change UE diary

Hi

yet another question - sorry.

My HSBC debt which is now with IDEM has been placed on default twice on my credit report - once in 2011 with IDEM but now again in October 2013 with HSBC, obv this will add another 2 years before the default disappears off my CR.

I get that it will be SB 6 years from now anyway but it really annoys me that they have done this. It looks like I owe an extra £7000 when I don't (and gave me a heart attack when I first saw it)

Should I write to HSBC explaining and tell them to take off the second default - or should I just ignore it?

Oh I also saw that I shouldn't access my CR after I go down the UE route - so I will do this but just wanted to see about this first since I'm letter writing.

[commit2change]

Re: Committed2Change UE diary

Thanks - I think I was just getting myself confused over the SB status.

I promise to stick to the templates and letters you guys tell me to send

[Never-In-Doubt]

Re: Committed2Change UE diary

Hi all

Thanks for all the comments, I've been reading peoples diaries - I have a few questions if you don't mind.

If we decided the a debt is UE does that mean they can keep writing to me forever to try to get me to pay it - and while the default will drop off my file could I get letters from them forever harassing me for the money?

they will keep hassling you for a couple of years but things quieten down a lot, yes. Read diaries and you'll see - but they don't write forever as after it goes SB then you can pretty much forget it anyway.

I assume that as we are challenging the debt it doesn't ever fall under the statue barred status - even after 6 years of claiming UE/refusing to pay?

yes we aim for SB - that's the whole plan of what we do!! Of course if you don't use our templates you could acknowledge the debt and affect SB so always speak to us before doing anything and always send our templates and you'll be fine.

I'm scared by stories of people going to court over this, losing and getting forced to pay high costs - I guess this is a reality and this is probably an impossible question but is this likely to happen?

on here in 4 years we've seen a couple of losses and a lot of wins, we rarely lose. We use a solicitor who checks the agreement for free and if it is good he will tell you. If it has a high chance of success he will tell you. If there are higher odds you will lose he will refuse to take the claim. You are in safe hands now.

If any of my debts are found to be enforceable - like the 2009 Halifax one - would it not be better to keep paying the DMP on it rather than challenge it and risk a CCJ?

nope it's best to blag it and if they get heavy we can either look to settle that account with a F&F or we fight them on some other grounds. Forget the dmp for now, that's irrelevant at this stage.

Sorry for all the questions - I'm still sending off all my requests on Saturday - I just like to really think things through. After all in theory the DMP is working - but the though of spending the next 4 1/2 years paying only to get hit with a high interest bill at the end is stressing me out.

thanks

see points in red next to your questions.....

[commit2change]

Re: Committed2Change UE diary

Hi all

Thanks for all the comments, I've been reading peoples diaries - I have a few questions if you don't mind.

If we decided the a debt is UE does that mean they can keep writing to me forever to try to get me to pay it - and while the default will drop off my file could I get letters from them forever harassing me for the money?

I assume that as we are challenging the debt it doesn't ever fall under the statue barred status - even after 6 years of claiming UE/refusing to pay?

I'm scared by stories of people going to court over this, losing and getting forced to pay high costs - I guess this is a reality and this is probably an impossible question but is this likely to happen?

If any of my debts are found to be enforceable - like the 2009 Halifax one - would it not be better to keep paying the DMP on it rather than challenge it and risk a CCJ?

Sorry for all the questions - I'm still sending off all my requests on Saturday - I just like to really think things through. After all in theory the DMP is working - but the though of spending the next 4 1/2 years paying only to get hit with a high interest bill at the end is stressing me out.

thanks

[Enforcer]

Re: Committed2Change UE diary

Listen to Niddy and the advice you will get from this forum. You will realise that you are being scammed!

[odetter]

Re: Committed2Change UE diary

Ok understand.
On the right road now.

[commit2change]

Re: Committed2Change UE diary

I would rather avoid a BR if I could, that was one of the reasons I did the dmp. They did actually suggest a BR initially for me.

[odetter]

Re: Committed2Change UE diary

If you have no assets is BR an option?
Another problem with DMPs is they very rarely recommend BR as it won't deliver funds back to the Financial System.
You are definitely in good hands here.
As an aside I noticed that Paragon/Idem increased their profits from £69 million to £75 million last year alone.
Feel no guilt, they've purchased 240,000 accounts recently.
Good Luck

[commit2change]

Re: Committed2Change UE diary

Yep - what's the worse that can happen? - I have no house etc - so I just get ordered to pay what I was paying but have built up a safety net in the meantime.

I think cockwombles is my new favourite word for them