Okay thank you so much!

Okay thank you very much so should I send that one to the company capquest who are chasing me for debts in the name similar to mine.. When I'm referring to the company should it be capquest or shop direct (the original lender) the only thing with that draft letter is these accounts aren't on my credit file presumably because they aren't in my exact name..? I take it that isn't the message I should send to the debts that are in my correct name taken by family member and showing as default on my report.? That would be a different letter I guess? As i wasn't to pay them off? Sorry if this sounds stupid.. Thanks for that draft letter much appreciated.

Sorry about the names they were only examples to highlight the Ms/mr & wrong spelling of 1st and 2nd name. Apologies Thanks for replies

Hi sorry to bother you with this aswell, as i mentioned in a post earlier when i was rambling on some what, Capquest are currently writing to me on a regular basis about 3 shop direct accounts totalling almost £2000 these debts were all taken out my family member at my old address and none of them appear on my credit report, the name they are using is EDIT , & this name has been used to purchase all the goods and have them delivered in that name to my old address. My mother has admitted this was her doing, i have sent letters from myself & also my mothers name signed by her asking for the debts to be put into her name, they refuse without a crime number. In the last week they have spoken to my mother as i have said she can speak on behalf of these accounts (stupid i know, im certainly not a MS.!, but they see me as responsible & she is now agreeing to pay a little on each account every month, which she is due to start paying in the coming week. Im just not sure this is the right soloution All goods were delivered to my old address but im being chased at my current address (nothing was ever delivered here) Im currently more concerned about the defaults on my account. Am i liable for these? im really at my wits end with these. Ive used example names but this shows the exact slight difference in names. Name that was used/is being chased: My Name: Mothers Name: Sorry to bother you with this also, if you are unable to help with this as its not credit report based i understand.

So These are the 3 defaults i have found on my credit report so far, plus the additional info. Lowell Porfolio I LTD - XXXXXXXXXXXX4328 Account Type: Credit/Store Card Started: 4/12/2009 Defaulted: 28/02/2011 Default Balance: £425 Current Balance: £425 Account updated: 24/02/2013 No payments are shown for this so im assuming a payment was never made back. This is showing as at my old address, i have had no correspondence for this at my new address. CIT Group UK LTD - Dell Computers - XXXXXXXXX6011 Account Type: Hire Purchase/Conditional Sale Started: 5/11/2009 Defaulted: 30/4/2011 Current Balance: £472 Default Balance: £472 Account Updated: 5/6/2011 Last Payment - October 2010 This also shows as at my old address, however with this one i have been contacted at my current address by a debt collection company called Red Castle Recoveries. Vodafone Group Gemini LTD - XXXXX4932 Start Date: 23/10/2009 Current Balance - £117 Default Balance - £135 Default Date - 03/04/2010 Last Payment Made: December 2009 So that's the 3 of them im looking to pay off & get removed from my report, like i say i cant afford all at once so want to approach one at a time and pay off hopefully at a reduced rate in full over the coming months, obviously im wanting assurances that they will then be removed from my report...? Im confused for example the debt which Red Castle are chasing me for would i be looking to pay them or to contact CIT Group/Dell Computers directly. Once again really appreciate your help. P.S from the results ive had so far i was planning on paying these off without mentioning the fraud from a family member as without crime ref. nos they dont seem interested..

Hi I can't get back onto my credit reports until I'm home later tonight to give you the information on last payment dates. I'm also unsure as to whether the cards were still active when they were defaulted.. Family member "can not remember" The Citi account shows as Dell Computers, this is the one I have already contacted red castle about explaining it isn't me and also a letter from family member stating it is there debt they opened at my old address, they replied saying without crime numbers they would not change the name on the debt. The Lowell one I've had no contact from at my current address for all I know they maybe writing letters to my old address that will be getting ignored. I am looking to make full offers was hoping to get 50% if possible.. I was looking at doing 1 at a time over the next few months. Although I was under them impression that they would not accept "good will gesture" as it was fraud, it seems like without crime number they don't believe me that it was fraud which I understand also the fact I was on the electoral roll at my old address probably doesn't help either. Sorry if any of this doesn't make sense sending from my phone at work will get back to you with that extra detail tonight, also there's one other default i didn't post up last night. -------------- In addition to these defaults on my credit report I'm also being chased for debts in a name which is similar to mine it is a mix up of both my name and the family members name it doesn't show up on my credit report and the company chasing is capquest they were writing to me at current address I've had a lot of correspondence back and forth with these as above they are refusing to put the debt back into my family members name an back at the address all the goods were delivered to (old address) which she admits were hers ive even had copy lf the credit agreements and goods purchased for these accountsI understand this is all confusing and I don't want to divert away from the original topic, I could give you more information about the name mix up but don't want to post it up to public viewing.

Thank you for the reply let me give you a little more information on the defaults. Lowell Porfolio I LTD Account Type: Credit/Store Card Started: 4/12/2009 Defaulted: 28/02/2011 Default Balance: £425 Current Balance: £425 Account updated: 24/02/2013 (Who is updating this?) This is showing as at my old address, i have had no correspondence for this at my new address. CIT Group UK LTD Account Type: Hire Purchase/Conditional Sale Started: 5/11/2009 Defaulted: 30/4/2011 Current Balance: £472 Default Balance: £472 Account Updated: 5/6/2011 This also shows as at my old address, however with this one i have been contacted at my current address by a debt collection company called Red Castle Recoveries. So thats an example of 2 of the defaults on my report. A little bit more information about myself. Both the above accounts were taken out by a family member at my old address after i had left using my name, family member admits this and i have spoken to Red Castle Recoveries about moving this debt back to family members name who accepts responsibiity which they will not do without crime number, Family member has previous with the police so im not willing to go down this route despite my anger towards this person. I believe they were able to open these accounts because for 3 years after i left i was still on the electoral roll at this address and both i & family member have the same intials. So in short going forward i have decided to pay these debts off myself one way or another in full or part payments & this is where i seek advice. The searches i mentioned in my 1st post are about "Previous Searches" on my credit reports from Lowell Protfilio & unrecorded enquiries, can i request these be removed or not? Apologies for the long reply your advice is much appreciated.

Hi There. I was just wondering if anyone could help me with this. I have just recently obtained my credit reports and have a number of defaults on them, i am planning to pay these off. However for example i have one for £119 from 2009 now im happy to pay this but will it then be 6 years from the date i pay it before it is removed from my report? Or will it remain 6 years from when the account defaulted? Also how do people go about contacting these companies i have my name, address & the company who has defaulted the account, is this enough for them to find the defaulted debt? Sorry for all the questions help would be very much appreciated. P.s Can i also ask how long do searches stay on my report for? & do they just get removed after a certain time or do i have to ask for them to be removed? P.p.s Some of these defaulted accounts im being chased by comapnies that have brought the debt from the original lender, should i be contacting the lender whom i originally had the credit from?