FiscalFool's UE Diary

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

Barclaycard - Premier

10/02/2011 Letter from CABOT, dated 07/02, saying "We don't have your info on file. We have asked Barclays to supply it. Oh and by the way, we don't accept the £1 statutory fee, so have it back! They anticipate replying within 12 days.

From Cabot:

Your request for information under the Consumer Credit Act 1974
Thank you for your request for information under the Consumer Credit Act 1974. Cabot Financial currently does not have this information on file. However, we have requested the relevant information under section 77 and/or 78 of the Consumer Credit Act 1974 from the original lender.

Please be advised, we do not accept the statutory fee required under section 77 and/or 78 of the Consumer Credit Act 1974 and we have returned the fee for £1.00 that you have sent.

What happens next?
We anticipate that we will be able to provide this information within 12 days. ln the event we are unlikely to obtain this information within those time limits, we will write to you again.

Contacting Cabot
If you have any queries about your account, please call one of our customer advisors on 0845 026 0463 (Minicom: 01732 524 630).

[Never-In-Doubt]

Re: FiscalFool's UE Diary - and General Journal!

Barclaycard - Premier

10/02/2011 Letter from CABOT, dated 07/02, saying "We don't have your info on file. We have asked Barclays to supply it. Oh and by the way, we don't accept the £1 statutory fee, so have it back! They anticipate replying within 12 days.

Just ignore for the moment......

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

Ok cool thanks, still reading diaries.

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

General Update:

• Yesterday my contract exchanged on my house
• Once Letting agent have "proof" that exchange has gone through, the rental house is mine, mine mine!!
• Letting agent informed me that I passed all their referencing ... They can't have done a credit check! So when she told me I'd passed, I just kinda said "Oh right, ok!" in a very non-plussed manner.
• I spent the weekend packing up the remains of my ex's stuff, and she has spent the past two days collecting it. But finally all gone now!
• So now, just a weekend of more packing and taking furniture apart!
• Once I've got the go-ahead that the place is mine, I need to start arranging things like postal redirection ... and moving utilities ... need some Niddy advice on that one!

[LooLoo]

Re: FiscalFool's UE Diary - and General Journal!

Great on the exchange of contracts and passing the reference check!!

[Never-In-Doubt]

Re: FiscalFool's UE Diary - and General Journal!

• Once I've got the go-ahead that the place is mine, I need to start arranging things like postal redirection ... and moving utilities ... need some Niddy advice on that one!

Yea, so long as you avoid telewest/virgin, BT & British Gas you'll be ok. Do not register on electoral register and do not transfer any old accounts to the new address, use mail divert..... pay for 1yr service so keep the money aside from house sale cos its a few quid!

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

Yea, so long as you avoid telewest/virgin, BT & British Gas you'll be ok. Do not register on electoral register and do not transfer any old accounts to the new address, use mail divert..... pay for 1yr service so keep the money aside from house sale cos its a few quid!

Ok:

Council Tax, it's the same country ... they will just move my record.
Electoral register, I always opt to be hidden. Is it legal/possible to not register?
BT - Current phone service ... work "might" be installing a line for me. Fingers crossed.
Sky ??? They ok for phone line and broadband otherwise?
Driving license
Car V5

By NO Accounts ... do you mean none of my debts?
Can I move Current Bank account - I should move that right?
Mobile phone (T-Mobile) ... just "forget" to change it.
Mortgage info for second house. They will need contact details.


I know we haven't discussed the "disappear" vs "UE" or "IVA" options yet, as no info back from CCA's ... but I'm not 100% comfortable with just doing a runner, I'd prefer to avoid needless contact from the creditors.

[Never-In-Doubt]

Re: FiscalFool's UE Diary - and General Journal!

Ok:

Council Tax, it's the same country ... they will just move my record.

So? It doesn't matter.....

Electoral register, I always opt to be hidden. Is it legal/possible to not register?

Its illegal not to complete the census which is the same for voting (E/R) however who's to say that you'll get the forums through? My mate has never been registered yet and he is pushing 40

BT - Current phone service ... work "might" be installing a line for me. Fingers crossed.

Cannot have a BT landline - they WILL credit search you and this will create a link = everything will follow you.

Sky ??? They ok for phone line and broadband

Yep, they do not credit search you....

otherwise?
Driving license
Car V5

You taking the piss right? Send off and change the driving licence, it is not going to affect you and neither is the V5

By NO Accounts ... do you mean none of my debts?

Exactly - you start afresh....

Can I move Current Bank account - I should move that right?

Nope - creates a link. Which bank is it and what type of account is it?

Mobile phone (T-Mobile) ... just "forget" to change it.

Exactly

Mortgage info for second house. They will need contact details.

Are you actually changing address with them for this? All you usually do is use the actual property address of the mortgage - the tenant should keep letters for you.... if you don't do this, then start to! Its a c/o (property address)

I know we haven't discussed the "disappear" vs "UE" or "IVA" options yet, as no info back from CCA's ... but I'm not 100% comfortable with just doing a runner, I'd prefer to avoid needless contact from the creditors.

Impossible, and you're not doing a runner - you'll be using a mail divert, won't you?

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

Cool thanks for those replies.

Other house
The mortgage company got arsey when they realised I was letting it without permission and asked for full contact details. Therefore they have my current residence. I guess a mail forwarder should suffice ... until they realise.


BT
Will they still credit search me if my employer installs and pays for the line? Surely it's a business line at a different location?! This would be a huge monthly saving if work provided this for me.

Bank Account
Co Op Cashminder x 2 and a Smart Saver ... all the rest of my accounts I'm happy to forget. I just remember the application process for a cashminder where they still did a credit check, but the "soft" one where they just check address etc. I don't see how I can get a bank account without divulging 3 years of address.

Mobile Phone
On contract with T-Mobile, until later this year, but think I'll probably not renew as the PAYG options are far better value at present. Such as GiffGaff or Three.

Work
Big one here ... I'm government cleared ... I'm finding out anonymously through work if it will impact my job if I go Bankrupt/IVA. Therefore giving up my old credit, and starting afresh ... does concern me a little, especially as my clearance requires them to check my background!



So ... what is the ultimate long term plan?
Don't register on electoral register, don't move anything that might involve a credit search, open a new bank account (if I manage to). So what else longer term??

I guess I can say to my current utility suppliers that I'm moving and not sure where I'm going to.

When people ask for three years worth of addresses ... what does one say?

[Never-In-Doubt]

Re: FiscalFool's UE Diary - and General Journal!

Other house
The mortgage company got arsey when they realised I was letting it without permission and asked for full contact details. Therefore they have my current residence. I guess a mail forwarder should suffice ... until they realise.

Ok, sorted - use this as part of the mail divert til things calm down a bit....

BT
Will they still credit search me if my employer installs and pays for the line? Surely it's a business line at a different location?! This would be a huge monthly saving if work provided this for me.

You should be ok, in any case not much you can do - just let this go through, no matter who takes it out, and see what happens - just remember you cannot apply for your credit files just now either or the link will also be generated so be careful what you do...

Bank Account
Co Op Cashminder x 2 and a Smart Saver ... all the rest of my accounts I'm happy to forget. I just remember the application process for a cashminder where they still did a credit check, but the "soft" one where they just check address etc. I don't see how I can get a bank account without divulging 3 years of address.

These types of account should be ok, as above - not much you can do so best just move them to new address, as there is no lending feed, no updates should be made to the CRA's unless you actually apply for something at new address.....

Mobile Phone
On contract with T-Mobile, until later this year, but think I'll probably not renew as the PAYG options are far better value at present. Such as GiffGaff or Three.

Yep, leave a divert in place for this then cancel or whatever whenever you're ready..... just do not let them know your new address

Work
Big one here ... I'm government cleared ... I'm finding out anonymously through work if it will impact my job if I go Bankrupt/IVA. Therefore giving up my old credit, and starting afresh ... does concern me a little, especially as my clearance requires them to check my background!

I am also government cleared, in the essence of I was a senior manager for them - but unless you directly work in a related field then debt will have little impact on your career - PM me the area of Gvt you're based in for specific answer, but I was internal fraud for DWP and although not in debt, it would not have much impact as a credit search was never undertaken. However, that said - if you work for a specialist branch (MI5 etc) then sure, you'll be credit searched and vetted. I guess you're saying you've been vetted? If so, don't worry about this.

Obviously, as with all Civil Service jobs, if you're BR/IVA then it does look bad on you - so best to give your G Grade the heads up (G Grade is usually area Director level or equivalent)....

So ... what is the ultimate long term plan?
Don't register on electoral register, don't move anything that might involve a credit search, open a new bank account (if I manage to). So what else longer term??

Just don't go on E/R or apply for credit. Otherwise my answers above apply..... Forget the bank account thing - stick with what you currently have

I guess I can say to my current utility suppliers that I'm moving and not sure where I'm going to.

Just say you're homeless - you want a final bill to clear/close the account. Pay it and close the account, simples.

When people ask for three years worth of addresses ... what does one say?

Depends on what you want to say, however you will not divulge that unless you're applying for credit - which you're not....

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

Brilliant, thank you. I feel a lot better now. Wasn't too sure yesterday.

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

Oh ... rhetorical question here:

"When I move, if I do not update my new address with my creditors, will:
a) the new property owners become financially linked to me as at same address?
b) Will their credit also become impacted?"

There is the "Do you care" question, and yes I do have a conscience and the house buyers are lovely, I'd rather not leave them a pile of my shite to sweep up.

[Never-In-Doubt]

Re: FiscalFool's UE Diary - and General Journal!

Oh ... rhetorical question here:

Rhetorical does not require an answer, you do! Hypothetical is the word you wanted (and Niddy is being pedantic)...... LOL

"When I move, if I do not update my new address with my creditors, will:
a) the new property owners become financially linked to me as at same address?
b) Will their credit also become impacted?"

Both no - credit is NOT linked to addresses, but to people. Ergo (example) you could live at home and be a high risk, this would have NO impact on your parents.....

There is the "Do you care" question, and yes I do have a conscience and the house buyers are lovely, I'd rather not leave them a pile of my shite to sweep up.

Hmmm unfortunately you need to forget them and think of number 1 - sorry, harsh as it sounds, its the way it has to be. Set up a mail divert, they will then not see too much - yes, if anyone happens to call then they'd know, however they would simply say its not them and the doorstep collector would need to leave.

Make sure, you DO NOT give the incoming owners a forwarding address....

[fiscalfool]

Re: FiscalFool's UE Diary - and General Journal!

I'd best change my mobile number then ... as they've currently got that! :P

[Never-In-Doubt]

Re: FiscalFool's UE Diary - and General Journal!

I'd best change my mobile number then ... as they've currently got that! :P

who has it? a mobile is no problem.......