dajomel UE Diary

[Never-In-Doubt]

Re: dajomel UE Diary

OK. Have contacted Experian for the Statutory Report and so just waiting for that to appear.

Do Equifax as well..... no need for CallCredit as their info is useless as no lender exclusively searches them - but you do need both Equifax & Experian as some lenders only report to one, or the other whilst others report to all 3.

[dajomel]

Re: dajomel UE Diary

OK. Have contacted Experian for the Statutory Report and so just waiting for that to appear.

Do Equifax as well..... no need for CallCredit as their info is useless as no lender exclusively searches them - but you do need both Equifax & Experian as some lenders only report to one, or the other whilst others report to all 3.

OK though did try Equifax but got quickly peeved by the messing about. Filled in the Online request just to then be told I had to phone them up. Phoned them and spoke to lady who struggled a little with English to be told I had to answer a series of questions and then send in original copies of various agreements/statements to confirm. Seemed like a lot to be doing. When I originally signed up to Experian a few years ago, out of curiousity, I entered details and "bang" my report was visible online.

[dajomel]

Re: dajomel UE Diary

OK OK I tried accessing Equifax to view online and had all that hassle. Have now just ordered to have it delivered in the post, as with Experian too.

Thanks again for your guidance Niddy ;-y

[dajomel]

Re: dajomel UE Diary

Quick question Niddy. Just going through my 2009 file, it shows my Paragon debt under Arrow Global Limited. Now, if Paragon still own the debt, which Arrow were making out in their CCA request response, then wouldn't it appear on my file under their name?

[Never-In-Doubt]

Re: dajomel UE Diary

Quick question Niddy. Just going through my 2009 file, it shows my Paragon debt under Arrow Global Limited. Now, if Paragon still own the debt, which Arrow were making out in their CCA request response, then wouldn't it appear on my file under their name?

It can be re-assigned but the default date must remain the same, remember it could have been owned by paragon but they assigned collection to arrow.... don't worry too much about the actual defaults, you'll have a few of them before things are done!

** You may notice your post count decreased, this is due to my merging a lot of your posts earlier and making all of them sit at the top of the page..... it makes easier than them being scattered everywhere.

[dajomel]

Re: dajomel UE Diary

Quick question Niddy. Just going through my 2009 file, it shows my Paragon debt under Arrow Global Limited. Now, if Paragon still own the debt, which Arrow were making out in their CCA request response, then wouldn't it appear on my file under their name?

It can be re-assigned but the default date must remain the same, remember it could have been owned by paragon but they assigned collection to arrow.... don't worry too much about the actual defaults, you'll have a few of them before things are done!

** You may notice your post count decreased, this is due to my merging a lot of your posts earlier and making all of them sit at the top of the page..... it makes easier than them being scattered everywhere.

OK fair enough on that. Wasn't worried, just curious I was thinking I wouldn't get any more defaults given that all mine are in default anyway or can you get a default on a default?

Not worried about post count, though thanks for saying anyway. Had seen you have merged posts together so not a problem

[Never-In-Doubt]

Re: dajomel UE Diary

OK fair enough on that. Wasn't worried, just curious I was thinking I wouldn't get any more defaults given that all mine are in default anyway or can you get a default on a default?

Not worried about post count, though thanks for saying anyway. Had seen you have merged posts together so not a problem

One debt = One default, no you cannot get re-defaulted. Yea, just tidied things up a bit for you....

[dajomel]

Re: dajomel UE Diary

Niddy,

Got my Experian Statutory Credit Report.

You were right and three of the companies have dropped off it due to having defaulted 6+ years ago What does this actually mean in real terms though? Is it purely that they now do not influence my credit rating etc?

Anyway, have updated the details above which was just the Outstanding balance on Arrow Global. Strangely, a letter I got at the beginning of the year stated I owed nearly £28k but the report says about £23k. Not sure what happened to £5k LOL Still not heard anything back from them though since they said they would chase the OC. Mind you, I expect letters to roll in once they don't get any money from me LOL

Now waiting on Equifax SCR to see if anything appears on there.

One quick question, does having payments like mobile phone, agreements to pay for education (OU) etc benefit at all while there are still defaults?

Thanks

Dave

[Never-In-Doubt]

Re: dajomel UE Diary

Niddy,

Got my Experian Statutory Credit Report.

You were right and three of the companies have dropped off it due to having defaulted 6+ years ago What does this actually mean in real terms though? Is it purely that they now do not influence my credit rating etc?

Yea, exactly so even though you could still owe money nothing can ever be added to your credit report (unless they successfully obtain a CCJ) - so you *could* kinda ignore them and there aint much they can do....

Anyway, have updated the details above which was just the Outstanding balance on Arrow Global. Strangely, a letter I got at the beginning of the year stated I owed nearly £28k but the report says about £23k. Not sure what happened to £5k LOL Still not heard anything back from them though since they said they would chase the OC. Mind you, I expect letters to roll in once they don't get any money from me LOL

The balance could be lower as they sold it, removed charges/removed outstanding future interest - could be a host of reasons, i'd not worry about that too much.

One quick question, does having payments like mobile phone, agreements to pay for education (OU) etc benefit at all while there are still defaults?

God no - forget credit, for the forseeable future at least! I explain it in detail, including the wait times here: ---> viewtopic.php?f=48&t=48

[dajomel]

Re: dajomel UE Diary

Yea, exactly so even though you could still owe money nothing can ever be added to your credit report (unless they successfully obtain a CCJ) - so you *could* kinda ignore them and there aint much they can do....

OK thanks for the confirmation. I am assuming that a CCJ is difficult to obtain if they don't have an agreement to back up their claims?

God no - forget credit, for the forseeable future at least! I explain it in detail, including the wait times here: ---> viewtopic.php?f=48&t=48

OH OK. I only ask as throughout all of this I have maintained a mobile account (cheap) as I thought it may help in the long term when I get myself back on track. Additionally, I study with the OU as part of getting my life in order and pay them monthly. Does appear they haven't done a search on me though for the "credit".

[Never-In-Doubt]

Re: dajomel UE Diary

OK thanks for the confirmation. I am assuming that a CCJ is difficult to obtain if they don't have an agreement to back up their claims?

Indeed, they cannot obtain judgment so long as there is a CCA missing (see my signature)

OH OK. I only ask as throughout all of this I have maintained a mobile account (cheap) as I thought it may help in the long term when I get myself back on track. Additionally, I study with the OU as part of getting my life in order and pay them monthly. Does appear they haven't done a search on me though for the "credit".

Nah, OU won't help anyway, nor will a mobile in fairness - but the mobile will do you "no harm" other than preserve any link to that address, should you ever move.

[dajomel]

Re: dajomel UE Diary

OK thanks for the confirmation. I am assuming that a CCJ is difficult to obtain if they don't have an agreement to back up their claims?

Indeed, they cannot obtain judgment so long as there is a CCA missing (see my signature)

OH OK. I only ask as throughout all of this I have maintained a mobile account (cheap) as I thought it may help in the long term when I get myself back on track. Additionally, I study with the OU as part of getting my life in order and pay them monthly. Does appear they haven't done a search on me though for the "credit".

Nah, OU won't help anyway, nor will a mobile in fairness - but the mobile will do you "no harm" other than preserve any link to that address, should you ever move.

Thanks again for your clarifications. As I said earlier, now just waiting for the fallout from cancelling the payments. The gates of Credit Agency Hell will open next week I am sure!!! LOL

[dajomel]

Re: dajomel UE Diary

Niddy,

Got my Equifax CR and it gives no info other than my Orange details and the Arrow Global, which ties in with the Experian one.

No other news to report at the moment.

Thanks

Dave

[Never-In-Doubt]

Re: dajomel UE Diary

Ok, keep us updated when you hear from the muppets begging for cash!!

[dajomel]

Re: dajomel UE Diary

OK, so I cancelled my standing orders and sat back waiting for the fallout but as yet, nothing!!! All three DCAs would've normally collected their money within the first few days of the month and so I was expecting immediate threats and yet I am knid of disappointed.

Anyway, I am sure they will arrive at some point yet not one of them has produced anything, let alone a CCA!!!

I'll keep you posted ;-)