Sub Prime Credit Thread Part III

sutton111

Name:MR SUTTON

Address

date of birth:

Company name:ROBINSON WAY

Account type:Credit card / Store card

Special Instruction Indicator:Partial Settlement

Special Instruction Start Date:01/03/2009

Started:13/10/2005Default Balance:£313

Current Balance:Satisfied

Defaulted On:02/02/2007

File Updated for the Period to:01/03/2009

never-in-doubt

sutton111 wrote: »

I'll log in and have a look hold on. :cool:

yea and elaborate that bold text for me too - that confused me and i'm not blonde (or [STRIKE]ginger[/STRIKE] strawberry blonde for that matter )

:beer::beer:

sutton111

Company name:CABOT FINANCIAL (UK) LTD

Account type:Bank - This is wrong as it's a Next account

Started:29/06/2006

Default Balance:£195

Current Balance:Satisfied

Defaulted On:15/12/2006

File Updated for the Period to:24/05/2009

never-in-doubt

sutton111 wrote: »

Name:MR SUTTON

Address

date of birth:

Company name:ROBINSON WAY

Account type:Credit card / Store card

Special Instruction Indicator:Partial Settlement

Special Instruction Start Date:01/03/2009

Started:13/10/2005Default Balance:£313

Current Balance:Satisfied

Defaulted On:02/02/2007

File Updated for the Period to:01/03/2009

1. who was oc?
2. why did you get into arrears? (i.e. didnt pay or charges etc)
3. type of account (cc or bank a/c)
4. have you ever received a cca
5. ever received a copy of the default notice?
6. ever seen the NOA (assignment from OC to robinson way?)

never-in-doubt

sutton111 wrote: »

Company name:CABOT FINANCIAL (UK) LTD

Account type:Bank - This is wrong as it's a Next account

Started:29/06/2006

Default Balance:£195

Current Balance:Satisfied

Defaulted On:15/12/2006

File Updated for the Period to:24/05/2009

1. who was oc? Next
2. why did you get into arrears? (i.e. didnt pay or charges etc)
3. type of account (cc or bank a/c) store card/catalogue
4. have you ever received a cca
5. ever received a copy of the default notice?
6. ever seen the NOA (assignment from OC to cabot?)

LusciousLuce

never-in-doubt wrote: »

Did you have an account at the linked address and then move it to another address and then close it or is it still live? this is what creates a linked address..... follow me? i.e. I have an account with HSBC and move houses, I complete a change of address form and carry on using hsbc - this creates a linked address until I close that account and move again.



so which address is showing as linked address then? there has to be a link! see above!!



I need to know the above before I can do a letter for you lol :rotfl:

OK all 3 addresses are listed as linked. I had RBS account at first address, moved to 2nd address, then account was closed in c. 2001 (by RBS, not me - bad times & bad spending at Uni ). Had Smile savings a/c opened at 2nd address, moved from there to here & a/c still live - I guess that would create a link?
Does that mean that if I'm still here in 20 years (prob. will be the way my love life isn't going) then Equifax will still link me to 2nd address because I had account there that is still live? Ridiculous!! God they make me cross :mad:

sutton111

never-in-doubt wrote: »

1. who was oc?
Capital One 1st one and Next for the second

2. why did you get into arrears?(i.e. didnt pay or charges etc)
Charges and I didn't pay for Capital One and Next I just didn't pay.

3. type of account (cc or bank a/c)
Credit Card and Mail Order

4. have you ever received a cca
Only Capital One

5. ever received a copy of the default notice?
No not on either account.

6. ever seen the NOA (assignment from OC to robinson way?)
Yes only for Capital One

I've answer them above in read for you. Not Ginger.

never-in-doubt

LusciousLuce wrote: »

Does that mean that if I'm still here in 20 years (prob. will be the way my love life isn't going) then Equifax will still link me to 2nd address because I had account there that is still live? Ridiculous!! God they make me cross :mad:

You got it, thats exactly what will happen unless all accounts from the old addresses are closed. If so and there is no financial link to them, i.e. after 6yrs of closure then you can get the links removed. Lenders will ignore them if nothing bad shows up though so don;t worry too much.....

LusciousLuce

never-in-doubt wrote: »

i'm not blonde

Nowt wrong with being blonde!!! You get away with a fair amount if you are - lowers people's expectations for a start

never-in-doubt

LusciousLuce wrote: »

OK all 3 addresses are listed as linked. I had RBS account at first address, moved to 2nd address, then account was closed in c. 2001 (by RBS, not me - bad times & bad spending at Uni ). Had Smile savings a/c opened at 2nd address, moved from there to here & a/c still live - I guess that would create a link?

Thats right - see the links created now?

1. address 3 (rbs account) then you moved to
2. address 2 (rbs account active then closed so link to address 3 created) - smile account is live and you took this with you when you moved to
3. address 1 (smile account is live) and this created a link between address 2 (smile) and smile had linked you to address 3 from the RBS link at address 2 which means that address 1 will have all 3 addresses showing.

Make sense? It did to me until I tried to type it out - LOL - confusing or what!