Lowell and mckenzie

jaggedpixel

I'm afraid not. It was so long ago (2001) and I lost a lot of paperwork when I split with my wife.
I don't own a credit card, never will I know there must be a default as I've tried opening a bank account recently and failed the credit check.

smashedbooboo

Well thats good in one way. If you send 2.00 off to experian then they can send your report throught the post. Google Credit ref agencies and see if anyone is offering a free report online. We just need to know who put the default on and for how much. Am looking at maybe getting you some back here. Less the amount you owed originally.

jaggedpixel

I have ordered the report. Lets see what that brings

smashedbooboo

Fantastic. In the meantime get those CCA requests off. And i know i keep harping on but make sure you put on the top of the letters I DO NOT ACKOWLEDGE THIS DEBT TO YOU OR ANYONE ELSE YOU REPRESENT. Postal order for 1.00 in each envelope. Recorded delivery. Keep copies. And DO NOT put your signature on the bottom of the ;etter. Print only. That way no one can forge it. Ok Think thats it for now. Just look into where we can send the SAR too. I will have a look as well.

jaggedpixel

Already sent one to Hamptons. I'll send one to Mckenzie monday first thing. I've also put copy 1/3 on the bottom so they know I have copies.

jaggedpixel

Found cetelem address here http://forums.moneysavingexpert.com/showthread.html?t=44517

smashedbooboo

Thank you, Dont forget to send a CCA to Hamptons and lowells. These are the ones who are chasing you right now. Lowells are very quick at the moment on slapping defaults on your credit records. They did with me and in the end they owed me money so am going hrough a fight with them to get default removed.

smashedbooboo

There is a template letter in the reclaim bank charges forum for your SAR. Adapt it to your circumstances. Send it off with a postal order for 10.00 and you will get your statements. Add into the letter you require any info at all they hold on you as well as statements.

jaggedpixel

Thats to go to celetem?

smashedbooboo

Yes babe. That we can see what charges have been slapped on you. Cant wait foryour credit report. They have 40 days to produce the info. So start counting from the day they receive it. The CCA also has a set time frame. Will double check what it is. You are now working to your time frames not theirs.