Thanks guys, sorry i am only replying now didn't have my notifications on, I shall ignore, thanks

Just a bit of an update on this, I know it's an old thread, the default I had with gothia which states on my credit file it was with gothia, was actually with Wonga they sold the debt to gothia. Remember the whole court case with Wonga threatening people with legal action? Well I got my default removed two years early because I told them I was going to take it further due to the illegal threats that was made to me, i eventually got there in the end but if anyone is in the same situation with Wonga and you have a default which dates around the time they sent threatening letters pretending to be solicitors, well. .. Threaten them back!

I am not sure but they had late payment info on my credit file which dropped off there recently so I am guessing it's 6 years ago, if not I'd say just over 5

Hey guys hope someone can advise me, i was with Co op bank over 6 years ago, i missed a few payments with payday loans and then left the bank to bank with Santander, i didnt pay the pay day loans either, cut a long story short, I defaulted with 3 different payday loan companies, paid them all off eventually even though they all defaulted me, Co op had late payment on my credit file for 6 years, now I have a company called link financial saying I owe 94.58 because of the late payments from co op? It was 6 years ago and it was for bank fees.. i am in a position to pay them but I really do not want to give these leeches any money, it's for late payment fees, can they default me? The late payment for Co op has came off my credit file, there is no history of it, plus link solutions sent the letter to my parents house where I have not lived for 6 years, what's the situation here? Should I ignore it or should I ring them and offer them some money? Obviously not the amount they want..

Yeah my own address is in plain sight, yeah I think your right Co op has sold it on to them, yes Co op is the client il ignore it thanks

I keep a close eye on my credit file, Co op has always been on my credit file as late payment, the closed the account years ago but link f said Co op have not closed the account lol link f sent me my old statements and it says on the last page account closed, they have not defaulted me, I am thinking of just ignoring it as the sent it to my mums address

Hey guys, little bit of advice would be great, I have not banked with co op for around 5 years they have teamed up with link financial to try and get £97 pounds from me, for charges to my old account, there was not any money in my bank account to make a payment to another company so Co op are now 5 years later trying to get it back, plus they sent the letter to my mums address which I have not lived at for nearly around 5 years, should I just ignore it?

Well i have emailed the solicitor to see if he will dump the case but i doubt he will.... the ppi claim is already open with bank of scotland, just waiting on the outcome of the claim, they sent me a letter saying that they will look into the claim again this was over 8 weeks ago so i will probably get a letter soon, hopefully i will get the money and they wont put it against the debt. il let you know either way cheers

no worries il get on the phone to them and try to get them off the case, hopefully they will cancel it fingers crossed cheers

Ah good, only thing is the default has not been on my credit file for around two years..... i do not have any old documents to say who the debt was sold on too.... can i still find out if the debt was sold on? cheers

really? what do you mean they can offset? what if they have sold the debt on? i wonder if sainsburys/bank of scotland sell debts on to other companies? thanks for reply

I defaulted on a sainsburys credit card around 7 - 8 years ago, i paid the credit card off when i got made redundant with the redunancy money i got back in 2003 then i could not find another job so i ended up getting myself back into debt again, i didnt even know i had ppi with the credit card, as at the time i got full sick pay from the company i worked for. I thought id chance my arm to try and get the ppi back even though i didnt know i had ppi, i was apparently paying ppi for around 3 years. I didnt pay any money back to sainsburys, i foolishly let a solicitor try and claim ppi back from the bank of scotland but they denied me, so i went to the Financial ombudsman, they also said no so i gave it to a different solicitor around a year and half ago, just got a letter there start of December 2014 saying they are looking into the case again, am i right to say that the debt will be statute barred as i have not paid any money to sainsburys in the past 8 years? the default has been off my credit report for about 1.5 to 2 years, also if i do get any money from the ppi would it go against the old debt? i am worried about the money going back into the debt and then i end up owing the claim company money. Any help would be great Thanks

Thanks

i thought i took out all the personal info out of it?

the thing was its now off my credit report as it was so long plus it stated it was late payments , it wasnt defaulted....

i have both letters here one saying please find enclosed attachment of earnings order then another saying please find enclosed notice of hearing of objection to an order.... heres a picture of part of the letter of the attachment of earnings, but the actual amount of owe is 5119.00 [ATTACH=CONFIG]43900[/ATTACH]

HFC passed it to their solicitors here in Belfast, i have a copy from the enforcement of judgements order, the original debt was only 5119.00, on the original attachment of earnings order it says the amount is 6729.49, then i got a second order before i went to court which didnt mention the amount at all, when i went into court hfc solictior was there and she gave me my contract from hfc which said i owed 5119.00, nothing was mentioned about the 6729.00 i am trying to get hold of the solicitor but he is dodging me at the min..... should i ask him when he put the charges on etc?

just say they have done everything by the book, which i doubt, but is there any possible way they can remove the default?.... i will be using the sar asap, thanks

was sent on a certain date, which is all they have to do. Now they can and probably will produce any thing they like! So I should put a letter together and pay the ten pounds to ask for the original statement because they can write anything they like at this point

i rang gothia and asked them to send me out the default notice and the original statement, i told them if they do not i will be putting a letter together with ten pounds requesting the statement legally, they said they will but i wont hold my breath, i also spoke to empingham, they told me that gothia employed them to chase the debt, the both payday loans where with quickquid and wonga, empingham and gothia said they did not put any charges on top of the amounts, they said it was only interest put on by the original debtor..... is there any templates on here asking for a dn by letter? Thanks

I have been paying a loan off through attachment of earnings from start of 2010, i have been paying a 100 pounds month which comes out of my wages, i have rang the solicitor this morning and asked how much their charges where etc, they are going to ring me back, but i think their charges on top of what i owed hfc was around 1000 pounds, this actually went to court before, its not a ccj, but the loan originally was 95 pounds a month for 5 years, the judge originally said i had to pay 150 pounds a month, i stated that the original payments where only 90 so he agreed a 100 pounds, i did not have a solicitor with me because i could not afford it at the time, wish i did though. .. is there anyway legally i can get the charges knocked off?? maybe a silly question

can i not just request this info without having to pay these idiots more money? sorry it sickens me having to pay them money to see my details on the account, but if i have to do it to get rid of the default i will

ok well thanks for that info, i will write to gothia tomorrow asking for the original default letter and full statement for the account, do you know any quick links for template letters asking for the original default? plus could you point me in the right direction on this site as for to get help about a debt i went to court for, it wasnt a ccj but i had to start making payments directly from my wages every month, but their solictors have put on a massive amount of charges etc is there anyway around not paying that? thanks for coming back to me i will make a donation to your site

hi i read some info about asking the company who issued the default to remove it, i asked on the phone is there any chance at all and they said no chance, so what are my options? thanks for reply dx but i dont really understand your lingo sorry i dont know whats dn means and what does pers mean? dn does that mean default notice? what someone give me the steps on how to remove this? can i have to see the original default notice? and if they have put extra charges on it can i get it removed?

i would ring your bank and explain to them your details are being passed around debt companies they can not take money out without your permission, do you do online banking?