guys, could anyone assist on this - the default on my credit report is upsetting me... are there no default experts out there??!!!

just going back to this: can anyone clarify whether this is correct or not?

you get anywhere with this?

no-one any ideas on this?? i'm stuck as to where to go next!? thanks

nice one pete - result indeed... i'll keep you posted re: my egg situation!

bump...

could anyone poss help me on this pls?

Hi all, When I obtained a copy of my credit report recently, I noticed that there was a settled default on there from HFC Bank from 2003. I really did not know what this was, hence CCA'd them and requested a copy of the default notice. I've just received a response and it was for a marbles card. This makes sense now as I did have a Marbles card around that time, but on no occasion did I receive a default notice. If I recall, I settled this account when a DCA called me up and said "you must pay", so I did there and then by switch. In response to my request for a copy of the default notice, HFC state the following: This sounds like a fob off to me - I'm sure I've read that the law requires an actual copy of the letter to be provided? Can anyone provide any clarity on this - I've looked through the CCA 74 but can't seem to find the pertinent points... thanks

do i need to contact egg themselves then re: removal of the default?

ok...new response received today: i'm particularly disappointed by point 4 as PeteT has his default wiped... could anyone give me some guidance on my next steps/response to this?? thanks

well in that case I think I'll obtain an updated version of my credit report and see how the land lies!

prob not true as you've already got a CCJ, therefore the debt has been enforced by the courts... i'm no expert on these matters however; i'm sure someone will be along to help you soon. in the meantime have a read here

oh that's long gone - i'm waiting for a reply to my letter sent telling them that they should remove the default etc etc

well judging by your posts above Pete, DLC responded within the week to you - they've had mine for two weeks now and not heard a thing. I gave them 21 days to provide me with a decision on this - what should my next step be? Chase DLC? Report to 3rd party - TS?

this is what i'm after...just writing the letter as we speak

no there are many instances when you can challenge the council tax banding: 1. If part of your property has been demolished (for example a garage or an extension). But if the demolition is the first stage of works to create a new extension, then the valuation band cannot be altered. 2. If your property has been adapted to make it suitable for use by a physically disabled person. 3. If there have been physical changes in your area which could affect the value of your property. 4. If your property has been converted into flats. 5. If you have bought a property, or been granted a lease on a property for seven years or more, and the property's value has been increased because it was extended by the previous occupier. 6. If your property becomes, or ceases to be, a "composite" property. A composite property is one which contains both domestic and non-domestic property, such as a shop or public house with living accommodation. 7. If there is an increase or decrease in the extent of that part of a composite property used for domestic purposes (for example, a domestic living room is converted for use as an extension to the bar area in a public house). 8. If you have received a notice from the Listing Officer advising you that he/she has altered the entry for your property in the Council Tax Valuation List, you have six months to make a proposal if you do not agree with the change. 9. If the Valuation Tribunal or High Court has made a decision relevant to your property, you may make a proposal, within six months of the date of that decision, to claim that the Listing Officer has not reflected that decision in the valuation band of your property. 10. If you become a new Council Taxpayer for a dwelling, you have a period of six months within which to challenge the valuation band of your property. You may do this as long as the Valuation Tribunal or High Court has not previously considered a challenge by a previous occupier on the same facts. 11. If you are a landlord, who is not the Council Taxpayer, and the tenancy of your property is for less than six months, you can also challenge the valuation band of the property in cases 1 - 10 above. 12. You can also make a proposal to enter your property in the valuation list if it is not shown; for example a newly built dwelling or a conversion. 13. You can also make a proposal to delete a property from the valuation list if it no longer exists or if you think it should no longer be liable for Council Tax. (from here) If you don't fall into one of the above scenarios, then you can still challenge your band - The Listings Office has a duty to ensure all bands are correct, so it should investigate your representations and alter the Valuation List if it believes it's required. (see here) To do this simply write a letter stating, "I believe the council tax banding list is incorrect, as my house is in the wrong band, and I ask that it is corrected." A full guide to the process can be found here HTH cresswell80

nice link thanks pete... i'll cater that to my own needs...

nice letter ian... this could come in useful! thanks

Today I received a letter from Hillesden basically stating the same as the one I received on 7th March...this one confirms (I paraphrase): 1. Hillesden aka DLC are an agency collecting on behalf of Egg therefore no deed of assignment. 2. Enclosed are statements from 2/4/06 to 2/3/07 as requested [cresswell80: I never requested these??!!] 3. We're still awaiting a copy of the original agreement with Egg - bear with us, we'll contact you in 21 days. So my response to all this is going to be a letter to the guy at Hillesden with the "debt chaser" woman at DLC copied in saying "screw you"... then a letter to TS with both at Hillesden and DLC copied in.. then see if it goes away...

ok thanks... did they remove the records from your credit file? did they respond? i'm going to pen something similar but cc in TS too... also make reference as to why they're still chasing me for the debt!!!

how proficient are you with MS excel? if you use the function IPMT then this will calculate the amount of interest payable within a period of an annuity... the formula works as follows: IMPT(interest rate per period,period to find interest,loan value,future value,when payment is due) an example is as follows: Loan amount = £10k APR = 6.9% Payback period = 36 months Monthly payments = £306.55 to work it out for month 5 for the above example would therefore be the following formula: =IPMT((6.9%/12),5,36,0,1). If you have the Analysis ToolPak add-in installed just CUMIPMT instead...i haven't on this laptop and so used IPMT - i created a simple template spready - pm me if you want a copy... hope this helps...

thought i couldn't find one!!

anyone got a link for this - struggling to find it...

subscribed to this - fascinating read.... it's interesting to note how egg went straight down the court route with you Bella, whereas they instructed a DCA to collect from me...

I received a letter on DLC headed paper on sat morning - all it says is that i'm in arrears against the payment plan! Their admin really must be a shambles... Going to send a letter to TS and poss copy DLC in...