commit2change UE diary

[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

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

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

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.

[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

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

[MrsD]

Re: Committed2Change UE diary

good one, try to relax a bit now

[commit2change]

Re: Committed2Change UE diary

Some letters received - update on first page in red. I have to send request elsewhere, we are waiting to get it from original debtor, looking into your complaint etc etc.

I did get a copy of my loan agreement back from Halifax and will e-mail Niddy - looks legit but always thought this one would be an issue.

Oh I cancelled my DMP payment

So emailed Niddy Halifax loan T&C.

[commit2change]

Re: Committed2Change UE diary

Hi

Just bumping to see if Niddy has had a chance to look at my loan agreement.

Thanks

[Pixie]

Re: Committed2Change UE diary

It often takes a week or so for him to check agreements (he has a full-time job as well as being on here) but I'll give him a gentle nudge.

[commit2change]

Re: Committed2Change UE diary

Thanks - I appreciate that - it was just a gentle bump reminder.

[Never-In-Doubt]

Re: Committed2Change UE diary

Hi

Just bumping to see if Niddy has had a chance to look at my loan agreement.

Thanks

ive dealt with all emails. I reply direct to all emails - check spam folder? If I've not replied please resend your original email - webmaster@all-about-debt.co.uk

[commit2change]

Re: Committed2Change UE diary

Hi Niddy

I've just sent it again - could you let me know if you get it please, I don't know why you didn't last time

Thanks

[Never-In-Doubt]

Re: Committed2Change UE diary

Received - will try and reply later today/tonight......

[commit2change]

Re: Committed2Change UE diary

Thanks for the reply Niddy - as expected my Halifax loan is enforceable

But might send off the missing PT letter as suggested - it can't hurt.

I may pay the thing off or try to get a F&F. Thoughts or suggestions gratefully received.

update

OK so I sent off the missing PT letter and I've also sent off a letter to get my Student loans deferred - possibly if they take the gross amount as after my pension comes out. Can't hurt and I can save the money to put towards a F&F or paying off the Halifax loan.