Sutton's default removal letters

scarednshakin

Hi NID thanks so much for your reply. I just spent 40 mins typing a reply to you and have just lost the lot. I am now away to scream, cry, throw computer out the window!!

I will type it out again, but might be tomorrow cause I think I have had enough.

never-in-doubt

scarednshakin wrote: »

Hi NID thanks so much for your reply. I just spent 40 mins typing a reply to you and have just lost the lot. I am now away to scream, cry, throw computer out the window!!

I will type it out again, but might be tomorrow cause I think I have had enough.

This thing times out remember so please do it on word and then log-in here and copy it into the reply!

Bummer.... every so often I also copy it (right click, select all, copy) so I have it saved ready to just paste if it did crash or something.....

Try and send a quick response - 40mins is too much info lol.

All i need to know is the basics from the start, ie the debt itself - not what has happebned since as this means nothing..... I can guage with your replies the letters you sent which seems to be the problem, asking for cheese from the bakery - kinda should tell you where you went wrong! :beer:

scarednshakin

Okay, I'm back

6 CC's all pre 04/07
CR file - defaults - C one, Egg & BOS

Asked BOS for CCA. Sent 2 copies, neither have dates. One has old address, but not the address he was at when CC was taken out. Other has new address that moved to 18 months ago.

Card is a BOS charity card for SSPCA and always has been this type of card. Taken out 14/15 years ago.

Para in letter says 'As you are aware, this account was opened in 08/04/07 on your application, a copy of which we have provided to you previously'.

Other CC's - wrote to COne, asked for CCA, they sent copy of current terms of agreement & Info leaflet. Then sent SAR letter on 30/6/09, heard nothing from them but passed to Capquest. Wrote back asking why been passed on when in disupte, replied saying that as he didn't sign letter would not send out relevant paperwork but cashed £10! Wrote to them saying do not need sig - still waiting.

Egg - wrote for CCA, sent follow up letter - heard nothing from them.

Hope this is not too long but had to write it tonight! Thanks again for all your help & hope answered all your questions.

wwwtom

Ok, here's the info, if I have missed any or you need more just let me know.

never-in-doubt wrote: »

Can you copy the entry details that appear in the credit report? minus the personal data.....

ABBEY NATIONAL PLC Loan Default Satisfied 01/04/2007
ENTRY NUMBER: C2
Name: MR T###########
Address: ##, ###########, #########, #######
Date of birth: ##/##/####
Company name: ABBEY NATIONAL PLC
Account type: Loan
Special Instruction Indicator: Arrangement
Special Instruction Start Date:01/10/2006
Special Instruction End Date:01/12/2006
Started:07/10/2005
Default Balance:£7,857
Current Balance:Satisfied
Repayment Period: Monthly Payment: £302 over 36 months
Defaulted On: 05/01/2007
File Updated for the Period to:01/04/2007
Status history: [ ]

never-in-doubt wrote: »

Ok, so was a notice of termination or default notice issued?

I recieved two warning letters, (I do not have them anymore though) But i did not receive a default notice, I have seen copies of some examples and I did not receive anything like those.

never-in-doubt wrote: »

Are you saying you've paid the debt off? Can you elaborate please......

Debt was cleared completed. A cheque covering the full amount was taken to the Abbey branch on 30th January 2007

never-in-doubt wrote: »

can you deuplicate what they have added and post here please.....

See above.

never-in-doubt wrote: »

Have you moved houses or is it the same address?

Same address for the last 14 years and 1 month!

never-in-doubt wrote: »

Arghhhhh! Good luck! MSE is better though as our letters are tried and tested - not blanket copies that were made in 2006!

Point noted, I shall hang my head in shame

never-in-doubt wrote: »

So a CCA request then yea? The default notice is not covered under this so they will not acknowledge that!

CCA yes. I was trying to follow the guide on learn money.

never-in-doubt wrote: »

Did they cash the original £1? Did they cash the second £1 - what questions did you ask and what were missed?

Both PO's were cashed.

never-in-doubt wrote: »

Yep - they dont read the letters usually, if you do things wrong and they know you've done it wrong then you'll find they will mess you about. Whoever has been helping you to date has been sending you on a wild goosechase. Never attempt to sort these things yourself without proper aided help!

Point noted, I am honestly so greatful for you helping me (and others too!)

never-in-doubt wrote: »

You cannot enforce action over a request for info, for what purpose and act would you demand the answers? What were you asking?

My request was for them to provide me with the copy of the Default Notice. If they were unable to provide that, I had asked them to remove the default from my CR

never-in-doubt wrote: »

Depends how far you want to take it and whether you think they acted improperly......

A happy ending would be for the Default to be removed. As stated in my other post, I am in the process of starting the whole "buying a house" shin dig, if this is removed I believe it would be the end to my worries as I know them.

never-in-doubt wrote: »

DO NOT SEND ANYTHING ELSE AT THIS STAGE! YOU'VE SENT ENOUGH ALREADY ME THINKS (LOL)

I shall hold my horses,

never-in-doubt

scarednshakin wrote: »

Okay, I'm back.

Thanks - let me compose some questions for you lol - 5 mins....

are you in england or scotland by the way!

Have you got your credit file?

scarednshakin

You made me smile lol

I am in Scotland and don't have CR

never-in-doubt

wwwtom wrote: »

Ok, here's the info, if I have missed any or you need more just let me know.

See bold parts and my questions to these points in red below:

N-i-D


ABBEY NATIONAL PLC Loan Default Satisfied 01/04/2007 (why this date when you paid 30th Jan 2007?)
ENTRY NUMBER: C2 (this is a second default - what is entry C1 - lol?)
Name: MR T###########
Address: ##, ###########, #########, #######
Date of birth: ##/##/####
Company name: ABBEY NATIONAL PLC
Account type: Loan
Special Instruction Indicator: Arrangement (am I right to think you agreed repayments of £302 over 3yrs but then fell behind or was this the original loan repayments?)
Special Instruction Start Date:01/10/2006 (see above)
Special Instruction End Date:01/12/2006 (see above)
Started:07/10/2005 (loan start date? - please confirm)
Default Balance:£7,857
Current Balance:Satisfied
Repayment Period: Monthly Payment: £302 over 36 months (see above)
Defaulted On: 05/01/2007 (so it was defaulted less than a month?)
File Updated for the Period to:01/04/2007
Status history: [ ]

I recieved two warning letters, (I do not have them anymore though) But i did not receive a default notice, I have seen copies of some examples and I did not receive anything like those.

do you remember when you got these warning letters? Was it about 2wks before the default date, i.e. 01/01/07?

Debt was cleared completed. A cheque covering the full amount was taken to the Abbey branch on 30th January 2007

Accepted - I guess this is the family help you refer to?

Point noted, I shall hang my head in shame

sorry just realised that I sounded rude - apologies :beer:

CCA yes. I was trying to follow the guide on learn money.

Ok, thats fine but default notices do not conform to the CCA rules so that is why they will not send one.

Both PO's were cashed.

This is wrong and shows that they don't know what they're doing! Did you get exact same copies of stuff with same cover letter just date changed?

Point noted, I am honestly so greatful for you helping me (and others too!)

lol sorry - didn;t mean it to sound bad but people are in a rush to sort defaults and they take time! You need to learn a lot to do it right and even then there is no guarantees but jumping the gun can make you look daft and send you 10 steps back.

My request was for them to provide me with the copy of the Default Notice. If they were unable to provide that, I had asked them to remove the default from my CR

Ok, separate letter to do this. They will say they do not have to as there is no debt, this is kinda half true but we'll see what they say.

A happy ending would be for the Default to be removed. As stated in my other post, I am in the process of starting the whole "buying a house" shin dig, if this is removed I believe it would be the end to my worries as I know them.

Ok, can you confirm what CRA's the defaults are registered with?

I shall hold my horses,

Good! :rotfl::rotfl:

never-in-doubt

scarednshakin wrote: »

You made me smile lol

I am in Scotland and don't have CR

bloody hell i'm confusing myself now too much going on! Give me easy defaults to work with not 50 at once!

I thought you were....... what gave that away I wonder? lol (didn;t you wonder why I asked?)

answer: Card is a BOS charity card for SSPCA

am a fellow jock lol

Right then, so you only have 3 defaults? Is this correct?

What credit agencies do these show on?

You say you have 6 cards, 3 defaults - what is happening with the other 3 cards are they in arrears or up to date?

Cheers....

scarednshakin

Knew you had to be from God's country lol :rotfl:

Sorry trying to confuse you with defaults, there are 4. The other 3 cards are in arrears, Lloyds have put a default on but Mint and Monument have not. He had set up payments to Mint & Mon, they were agreeable to payments but others will not accept that what he is offering is all he can afford.

Don't have CR so don't know what agencies they are with - Sorry

never-in-doubt

scarednshakin wrote: »

Knew you had to be from God's country lol :rotfl:

Sorry trying to confuse you with defaults, there are 4. The other 3 cards are in arrears, Lloyds have put a default on but Mint and Monument have not. He had set up payments to Mint & Mon, they were agreeable to payments but others will not accept that what he is offering is all he can afford.

Don't have CR so don't know what agencies they are with - Sorry

I don't mean to sound awful but I think you've got a lot more on your hands than trying to remove defaults. If you're in arrears with the other cards then it'd be hard for me to commit to clearing defaults when more will appear. It'd be easier to do the lot or just let them all default you, ignore any mail they send and sit tight for 5yrs until they become statute barred.

They cannot make you bankrupt, they cannot sieze your house and they certainly cannot come and take your possessions! Have a read here of the actual bailiff/DCA laws and then make an assessment of what would be best to do in your situation.

http://forums.moneysavingexpert.com/showthread.html?t=1837507

Personally, you're fighting a losing battle when you still have other things that are ripe to bite you - i.e. monument etc.

If I were you i'd just hide for 5yrs and not acknowledge or pay anything to anyone and return all mail as unknown at this address. Take your chances. 5yrs after the default date the debt goes away.

Thats what i'd be doing but up to you.... either way, you'll struggle to get anywhere by hassling the lenders cos right now even if we got 3 defaults removed, 3 more will appear that will not be wrong as current action means they tend to do things right nowadays!

sorry but thats the facts, up to you what you do with them....