Should go automatically, within a few days of the anniversary.

Doesn't help me for the nex few years though does it or the fact that it is still an active account.

EDIT: realised you where talking to someone else.

How long should I wait before sending them another letter?

So all my creditor can sell my debts on at anytime in the future and add new defaults to my file! At least this default has the same dates as the original, just one more default on my file. Bring on 2015!

DRO dates 22nd July 2009 - 22nd July 2010

I've had debts passed on during my DRO but in November 2010 Halifax/Marbles/BoS/whoever they are sold my account to Capquest. Due to me moving around I've only just received this.

I have a letter dated 11th November, from halifax, stating that my default is now satisfied. This was after I contacted them after my DRO ended trying to clean up my credit file.

It appears on 27th November BoS/Marbles wrote to me at an old address saying my debt was past to Capquest.

Capquest come up on my call credit & equifax files as an open defaulted account (this is via checkmyfile), I also have Marble/Halifax on experian as closed, defaulted and settled.

Capquest have requested my DRO info so I've sending copies of everything including the letter from Halifax. This should close the account but can I do anything about them being on my file in the first place?

Viewing via checkmyfile it just appeared on both Callcredit & Equifax. Marbles is still on my main Equifax file. Checkmyfile only use the last two address so capquest must have updated their records. I think it's either Marbles or Halifax on my Experian report but don't have access to it at present.

So my DRO ended in July 2010 and since then I have been trying to sort out my credit file.

Marbles who came under Halifax sent me a letter in November 2010 after I contacted them stating that my default was now satisfied. Fast forward to 2012. Capquest get added to my credit report and I contact them as I'd had nothing from them. They reply with a letter asking for my DRO information and include a letter from Marbles dated November 2010 stating that 'Marbles are owned by..Bank of Scotland Plc'.

Should I just send them the original letter I have from Halifax? Can I get Capquest off my credit file?

cos the LA took the money and has don't nothing with it, they rent EVERYTHING so taking them to court is usless as someone found out when they tried to do so.

So deposit & 1st months rent has been lost.

Moved into property 22nd May 2009 and paid deposit & 1st months rent. The LA never secured anything or passed on to LL so since June 22nd 2009 I have been dealing with LL directly.

There was never an inventory seen or signed at beginning of tenancy.

The 1st 6 months is up on 22nd October 2009 and the LL wants me to give them another deposit and to sign a new contract. So I know that the LL is to get the depsosit back from the LA or secure his own money in a scheme but what should I be doing? Can the LL find away of giving me notice in someway if I refuse to pay again etc I'm not behind on rent.

Can I move out without a deposit in place or take the LL to court?

I want to get a place with my boyfriend so have been thinking of moving into the spare room at his place and saving up for our own place asap.

I can't stand the place he lives in but it's social housing so would be okay for a short time plus few bills.

Also the LL now has baliffs letters coming in regards to either the flat service charge or old council tax.

well I only need tsb loans and my DCAs now.

So I currently use checkmyfile and have all 3 reports.

Lately accounts have been falling off the reports and these aren't 6 year old accounts but current one. I emailed checkmyfile and they say it could be due to different spellings of my name but I have both Debra & Deborah on the active accounts so that can't be it can it?

how likely are they to remove any interest already added? will i need to do the whole claiming back charges stuff.

I have a payment via payplan going out of 21st and I want that to be the final one from them how do I find out my creditors payment details? I don't have up today statements from most of them and from my DCAs nothing.

My income and expenditure should be okay as they have accepted it before.

Hopefully they won't mess up my credit report anymore lol

Do I sent the usual pro-rata letter and add that I'm taking over the running of the DMP which was started March 2006 and could any interest that has been added since this date be removed? Also to stop anymore new charges.

I am thinking of going alone and doing my own DMP. I currently owe £8663 according to Payplan but that doesn't include all the interest that has been added.

I want to be able to CCA my creditors and pay them off if I have the money to do so.

How do I go about doing this? Should I write to them all telling them I am taking over from Payplan, sending them my budget and payment amounts (same as with Payplan) or should I ask for the balances and for any interest that has been added since March 2006 to be removed?

I've been with Payplan since March 2006, creditors are now charging me interest and I'm thinking of going it alone. I want to be able to pay off a creditor if I get the money but I can't with them.

Now sure how it will all work though.

well according to payplan I still owe them money. Been told to write to them to get confirmation and proof of payment. So will send letter today

First National Tricity Finance

Last updated: 2nd February 2008

Current balance: £0

Credit limit: £0

Opening balance: £898

Account start date: 7th July 2005

Account end date: 2nd February 2008

 

Settled/Satisfied - The account has been closed following settlement.

Balance: £0

Limit: £0

February 2008

Does the above mean I no-longer own them anything or that they have passed my debt on?

Since this date I have paid them £99.95

papers handing into court now it's just a witing game

Just came by to see how yours was going and to say Nationwide called to say they were refunding all charges I have now been given an offer of payment which I will get in the next few days.

that is good news. I thought they were staying everything till the case was over.

went to file papers today but it's £60 not £65 like I had been told so have to go back tomorrow.

Stupid opening hours & only one person working when I went 12:30!!!

I'm confused about the stuff I mentioned.

where does the following go on the form:

Charges amount I'm claiming

Associated overdraft interest charges none

Interest under s.69 County Courts Act 1984 total interest charges

Court Fee amount to file papers

 

TOTAL £ sum

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just.

Do I not fill in the bottom? is so it the 'ammount' charges + interest or just charges? is the stuff in pink correct?

My POC:

The Claimant has an account (Edit) with the Defendant, opened Feb 2006. Since 24/03/2006 the Defendant debited charges and interest in respect of purported breaches of contract. Defendant is aware of all details as a list of charges has already been supplied. Claimant contends: The charges exceed the Defendant's losses caused by the breaches; The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. Claimant claims: return of the amounts debited of £870; Interest per S.69 County Courts Act 1984 of 8% - £101.08 continuing at 8% until judgment or settlement at a daily rate of £0.00022; Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. Costs allowed by the Court.

 

The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 24/03/2006 to 03/07/2008 of £ 101.08 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £0.1914.

can i file the papers at any court? I work in central London so as looking at going to one of the ones near me namely - wc2a

I'm confused about the N1 form -

this is quoted in the thread:

Charges £xxx.xx

Associated overdraft interest charges £xxx.xx

Interest under s.69 County Courts Act 1984 £xxx.xx

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just.

but on the form value is an area to write in an below that:

Amount claimed

Court fee

Solicitor’s costs

Total amount

one more day

If I don't hear any tomorrow do I just start filling out the N1 form?

2nd July is their deadline so only 11 days to go

well they only received it yesterday so I haven't heard anything only one letter in responds to my first letter.

they have now received my LAB letter so lets see what happens now.

that is showing them how much you have to pay them each month I would think.

my second letter is getting sent on the 11th