A&L merged with Santander in 2010 - looks like its the same company!

They were begging for money,and the account was allegedly purchase from Services. Unfortunately, I filed the letter in the bin as it's firmly SB, and I have no itentions of paying them a penny!

Nothing on my credit report!

Well, I didn't think I would be ressurecting this old thread again! In this mornings post, I was very pleased to receive a letter from Link Financial, telling me they had purchased the old HFO account, so for those of you who have had previous dealing with the delightful HFO Services - they could be writing to you! Such a pity the account is long since SB!!

No, it didn't get near the court as there was never any paperwork. I think I still have the letter from them confirming the account was irrecoverable!

I have an old catalogue debt which was deemed unenforceable and subsequently defaulted as there was never any credit agreement! Could I now write to them asking for the default to be removed - it's got another couple of years before it drops of my report?!

It looks like the OP solicitor asking for the redemption figure, some solicitors are not savvy in these matters!

Sorry, didn't read the letter properly, edited the post!

Pity your buyers want the restricition dealt with before purchase! Link could have been informed that the property had been sold after completion, and sadly they got nothing!

Some important information here: http://forums.moneysavingexpert.com/showthread.php?t=1839539&page=1

Some important information here: http://forums.moneysavingexpert.com/showthread.php?t=1839539&page=1

adztec77, there is no point trying to contact Santander, once the matter has been passed to their awful solicitors -(HL Interactive?) they won't correspond with you! When you contact the solicitors, don't send them any emails, because the simply do not respond, either write to them, so you have a papertrail or phone, and if you can record the calls! In a similar situation as you, although we have paid the arrears, we're just trying to release some funds to pay all or most of a very small mortgage. Satansbank are the absolute pits! Good Luck!

Thanks for your quick response Andy, So what we are saying is, because there will be no arrears, we have to take it back to court to get the order varied? I think we may get a solicitor to sort this out - 29 more payments and it's finished with!

I try to make this as brief as possible! Firstly, we owned our house outright, the mortgage was paid up in 2007! My OH, because he had some commitments which needed addressing decided to remortgage our home in October 2011, this was with Satansbank, I was not very keen on the idea, but went along with it, and the mortgage is in his name only! Being self employed, payments from customers were, and still can be sporadic, and he fell into arrears twelve months ago. The lender took him to court but as he was able to pay all of the arrears off, the hearing was adjourned indefinately! He fell behind again, but have managed to pay a vast proportion of the arrears off, but it was fast tracked to court on 2nd April, whereby the lender has a 28 day possession order which my OH agreed to. He agreed to pay a sum within 14 days, which I have done this morning, and the rest (one CMP within the 28days which I will do on Friday), thus bringing the account up to date and the next payment due on 28th, all negotiated with the help of the duty solicitor. Now, what I am concerned about is, because there will be no arrears on 30th April, will the order still stand - I realise they cannot go for eviction, but it's like a dark cloud hanging over your head, worrying, that put a foot wrong and they can issue a warrant! The ironic thing is, the mortgage was taken out over five years, we are over half way through, and the house is worth 10 times more than is outstanding. Is there anything we can do to sort this out, it will be over my dead body, these vultures will get my house! Satansbank are the absolute pits to deal with, as is their solicitors HL interactive.

Trying to collect on a debt they have declared unenforceable, and threatening to take court action. Send the OFT copies of all your correspondence from this dreadful company, I have reported them twice, they think they are law unto themselves!!!

Hi Lilythepink, you need to report them to the OFT if you haven't already done so!

How I read it is, because the account was on hold they think it alters the date of the default, and because the account was deemed unenforceable in Nov 2008 - that was when they think it's defaulted - garbage, that's when they changed it from a default to late payment markers!! Surely a default is a default, they make up their own rules, for the sole intent of trashing people's credit files!!

For everybody's interest, an excerpt from the letter received yesterday - what do you think?! "Although a notice of default was issued to you on 1st March 2007, collection activity was suspended on your account whiile your request under the CCA1974 was outstanding. As result the account did not continue through the default process until after it was established that the requested information would not be available.( 18th Nov 2008) If the account had not been on hold, the account would have been progressed to the default process in 2007, and at this point the default would no longer be repoted to the CRA,. In view of this we have taken the decision to remove the default. Doesn't make sense to me.....!!

Don't worry, I shall continue to keep a very close eye on my credit files! They are one agressive company, the most difficult I've had to deal with, so I'd be more than happy to join forces!

Final update to this thread: Searching through paperwork, I found the original default notice associated with this fiasco, dated 1st March 2007!!! Emailed a very stern letter to DLC on Tuesday, along with a copy of the DN, demanding the removal of the default, and hey presto, all traces of this account has disappeared from my credit files. It has taken a few months, but I've beaten them!!

Signed

An update: I've just had a alert from Experian, so had a quick look at my credit file. Hillesden have marked by file as satisfied, and have removed the late payment markers, and substituted with a default - dated Dec 2013! Now, bearing in mind, this account was SB in Feb 2013, but they weren't having any of it - the original default on this account was in 2007, which Hillesden removed - how can they default now? It's actually improved my credit score, but I'm just wondering whether they've sold it on?!

Thanks dx, I guessed it didn't - just thought it highly coincidental!! This vile company is still trashing my credit file with late markers - desperate to get rid of them once and for all!

An update: After going around in circles with the FOS (they sat on the fence in that, that after me providing them with the evidence that I did not pay DLC when they alleged I did, the FOS said it was a matter for the courts, and then turned the emphasis on dates of correspondence. Quite clearly it was going no where and a complete waste of time!) I said I would be taking the matter to court. In the meantime, I successfully reclaimed my PPI from the OC, Citicards. Bearing in mind that the last payment made BY ME on the alleged account was Feb 2007, I have in the last three days received four letters from DLC - one telling me my account had been terminated by the OC, another giving me an oppurtunilty to pay the now SB debt at £10 per month by direct debit, or an f&f of 50% of the balance, their usual monthly statement of account, and lastly a notice of sums in arrears! Now, could it be that since I have reclaimed the PPI, would the OC have informed DLC of my reclaim and could this be why I have received all this rubbish through the post?! I presume they think I should start paying them!!

I think they are or were a subsiduary of Bank of Scotland - my OH used them several times for car finance, that was a few years ago, mind you!