Thank you so much Ken. Will have to make this quick as got to do school run-found recent letter from Marlin-it says that as ive not responded they are considering advising their CLIENT to take further action to recover the debt ? This gives the impression they are the solicitors not the owners of the debt ? I have a feeling too that i went back into my old lloys bank account and just maybe found the last payment which came out which is why i previously came up with the date mar 13 as statue barred so will chase that up to. I really want to avoid a CCJ at al costs so thank you for your advise and honesty

Thanks Helena. I called Eon yesterday to make a payment arrangement-300pm but the guy wanted the whole amount and was so horrible on the phone i was stupid and put the phone down.I should call back but dreading gettingb the same guy or worse tbh?

Thanks. Ive checked my credit file and its not been updated by Lloyds since 2011 ! I think i have the SAR info somewhere and there were no charges but ill check. So do you think its still owned by Lloyds then. I did e mail them last year and offer to repay in full over 12 months if they would remove the default but had no joy . I want to stop the DC agent its sending me crazy-bad memories.

Thanks. Its Barclays now but letters from Marlin ? I was looking and thinking of maybe sending Marlin the letter template re no contact for 6 years or will i just infuriate them. If ERgg have sold to Barclays who would i SAR-Egg?Varclays /or Marlin ? And thanks ps what is a refuseniks ?

well this is actually SB I think in Mar 2014 not 13 ill double check, but have suddenly started getting letters from DCA . Now do I admit and start paying the debt but do SAR as am certain I paid PPi and actually argued wither on the phone re having to pay it. If I ignore am I risking a .ccj. MY goal is to have a fabulous credit file in about 18 months . I've ignored as heard nothing for literally years until recently .

How can i stop the DC calling again ?

x bump

Aw thanks for your reply. Its a lloyds credit card which i defaulted on May 2010. Last payment was June 2010. I did send an SAR as thought i had PPI but it seems not. The debt is i think owned by Wescot -i`m going to e mail them but i cant afford too much .I do want the debt gone-do you think they would consider Full and Final Settlement but spread over 12 mths ? Ill never get the default removed will i now ?

i was in the shower so didnt hear the door but hand posted letter from debt collector re an old lloyds cc . Its 1035.00 and i contacted them several times asking to make an arrangement to pay if they would remove the default. I hate talking on the phone -could i maybe e mail them or should i call this debt collector he has lefyt his mobile . Everyone seems to be closing in on me at once and im trying very hard on top of working and 4 children to restore my credit rating amd stop being afraid to answer the door . Had Eon yest and Lloyds today why is this happening all at once is it just coincidence ?

Hi Not sure if this will help but apparently you can ask Eon to fit another thing called a meter checker and that will check that the new and old reader marry up and in fact that your meter is working correctly ? 8000 is too much. if your on job seekers allowance you will be entitled to free legal aid, either throu a private solicitor or thro maybe your household contents or buildings insurance. I would get a free appointmant with a solicitor and maybe a formal letter may encourage eon to look at it more personally.

Last year i paid 188 pm for gas and electricity to EOn. In Nov i received an e mail saying i need to up my DD to 285 pm ! I e mailed them and ex[plained that the hike was huge and could we compromise on say 225 or even 250 but not 285 . They said no. I emailed again explaining that such an increase was mismanagenment surely and i would have to cancel my DD if like they said they were going to increase my DD from 188 to 285pm. Again the response was a standard no letter. I cancelled my DD in Dec. Today a represenative called to see me-he asked me to call a number and arrange to pay the 225 outstanding. He said i could probably pay half now and half over 6 mths added to a new DD. He left me his mobile to let him know when i had called. I read the letter and its absolutely awful-says they will get a warrant and a locksmith if necessary tp come back and install a prepayment meter ! I called and the man i spoke to said yes they could and would do that and he didnt think the letter was threateneing as i hadnt paid my bill . I explained that i had always paid my bill until they unreasonably left my account without review long enough to necessitate an unreasonable hike which i tried to compromise on. he then informed me that i owed 950 and was i calling to pay today ! I shouldnt have done it but he was so condesending i put the phone down on him. he has called back and rightly said i cant ignore it but i absoultely HATE talking on the phone. I really dont want a prepayment meter and all i can afford is 225 a month which is i think still a lot for gas and electric for a 3 bed semi fgs. Any advice most welcome.

Ooh thank you BAE I think I'll contact them .

Bump x

About 8 yrs ago we bought our home for 135000. We put a 10 % cash deposit down. Homebuy LENT us 25 % repayable on sale of house at 25 % of value at sale. We took out a mortgage for 93 000 i think. Now mortgage is down to 72000. House next door which is the same sold last year for 170000. We have an excellent payment history with halifax and have never missed a payment. However the house is in desperate need of double glazing, new boiler and replacement conservatory. Do you think halifax will advance us anything more on the mortgage in view of the fact that at present i have 4 defaults on my credit file. They should be gone in 2 years - will i have to wait for them to fall off ? In about 3 years id like to buy a bigger house and we both earn good salaries now and have a large disposable income -the defaults happened when i got overwhelmed with stress one time and stupidly ignred all my bills and buried head in sand. I was wondering about writing to the halifax with a copy of my credit report and pleaing my case for incresing the mortgage in view of my good history with them and my wage slips to back up my request ? I dont think for a minute they will but would it be worth a try do you think ? TIA

x bump

Sorry about bad punc. It's my iPad honest !

I have never ever missed a payment on our home buy mortgage in 7 years. We paid a 10 percent deposit on a HB mortgage they lent us 25 and we took out 65 % mortgage. We have to repay 25% on sale of house or to buy outright. Mortgage now is 75000 was originally around 95 and house next door exactly same sold for 175000 last month. What I would like to know is what are my chances of getting a bigger mortgage now. We hothead earn between us around 60000 pa and mortgage is only 75000 would like to buy a slightly bigger house outright and happy to increase mortgage to around 150000 which is double what we pay now. we have never ever missed a mortgage payment and have quite. Big disposable income . However following a bad year a few years ago our credit file is terrible with I think 3 defaults. will Halifax even consider us or do. Have to wait until the last default falls off the file ? My other option was to sell and literally have 40-50 thousand cash deposit so another bank might look at us with a 25% deposit ? many thanks

CRA is still saying its Lloystsb but they last updated in March 2011 so thats well over a year ago. No notice of assignment just notice of legal assessment and that my account has been referred to this department ?

Thanks both. Who would be the best place /person to contact re settlement and to negotiate removal of the default upon final payment ? I have to try ! Would it be the DCA or LLoyds. If Lloyds have sold the debt on they will never be interested will they ? And could i potentially still get a CCJ if i dont get a payment plan or something in place. i keep getting letters from Credit security Limited demanding payment. and saying debt collector will call ?

I`m in the lengthy process of sorting out my credit so that we can get a bigger mortgage in about 2 years. I recently attempted stupidly to reclaim PPi on a LLoyds Credit card and it seems i didnt even have t in the 1st place i`m wanting to get the defaut removed which was placed on my file via Lloyds Credit card in dec 2010 so have been reading through all my correspondence to try and apprach it the best way. In the precess i have found this. 1) In my response for PPI claim letter from Lloyds TSB it says Statement of account as at the date of this letter: The balance of the account was charged off on X/12/2010 and the balance owing as of that date was £1030. 2)I found another letter from Lloyds going back to Dec 2010 which says: Statement of account xxxxxxxxx Closing balance £1030 If you do not pay the full amount outstanding we will allocate your payment to the outstanding balance in a specific order which is set out below. The way in which payments are allocated can make a sig differrence to the amount of interest you pay until the balance is cleared completely. Allocation of payments Since no interest or charges are being applied to your account your payment will be used to pay off your outstanding balance. Dispute resoultion If you have a problem with the way your complaint was handled etc---- I did make a claim for bank charges way back and had a little back as a gesture of goodwill but never follwed it yp properly. Interesting tho i owed approx £1400 on a lloyd tsb current account which was mostly bank charges and THAT was just sort of written off by them and marked as satisfied on my file in sep 2011 ? This tho is a credit card and i dont understand what charged off means ? Many thanks for reading

OMG they must have written the debt off or something. I`ve got my credit file and its saying SETTLED. Amount outstanding 0 ! The only thing showing up is default feb 08 and settled sep 11 ??

I received a letter this morning from Callcredit saying they have received information from 1 of the credit ref agencies in the UK that i have been a victim of identity fraud. It says there are steps i can take immediately to ensure no further fraudulent activity is carried out in my name. Then goes on to say get copies of my credit files from all 3 credit ref agencies Identify any fraudulent activity not identified by other agencies so we can work together towards resolving these with the relevent lenders. They have also enclosed a notice of correction for me to send to add to my file ! It all seems very very worrying? has anyone had similar. There is a number to call but tbh I`m so untrusting these days i`m afraid to call it incase thats a spam and i get charged 100 quid a minute . TIA

in April 2006 I started a claim against lloyds for unfair bank charges . During the following 2 years or so they made a couple of goodwill payments but it never went to court and I didn't continue when the banks won the rest case. it was my main account as in £1400 in arrears since then. debt is now with DCA . DCA regularly send me letters offering settlement. I mainly want the default removed from my file which was registered in feb 2008 whilst the account was in dispute. I wrote to them prior to the default telling them that as the account was in dispute it was not acceptable to register a default . I'm trying to clear up my debts this year and before I pay all or part of this off I know haven't paid anything towards the debt ( which was made up entirely of bank charges btw ) since I made the claim and moved bank accounts in April 2006. That means it's 6 years in April but maybe even before. How can I be absolutely certain what date this debt is SB and if I am sure it is can I still go about getting the default removed ? Should I just pay it ? can they pursue it if it's SB and what exactly IS SB ? Thanks everyone

Hello again, I`ve printed off an SAR to send to Lloyds for my credit card. I`ve seen several address on here but not sure which one is the right one to send SAR for lloyds credit card-can anyone please tell me ? x

Recap Aug 2006 started this thread as being charged stupid amounts monthly on current acc od fees. Jumped ship to Natwest. Tried to claim charges and got a goodwill payment 2007 for about half. Debt (all od charges ) handed to DCA from Lloyds . Reg get letter from same DCA now. Owe about 1200. Lloyds registered a default against me in Feb 2008 despite the account being in dispute and me sending a letter stating such. My qustions if anyone can help are . 1) If i offer the DCA a F and F settlement figure and ask to have the default removed am i likely to get my requestbearng in mind the account WAS in dispute when they landed me with it. 2) I have paid nothing into this account for a long time and it MUST be coming up to 6 years as this very thread was started in Aug 2006-what if anything does this mean ? many thanks everyone Oh and are people actually still getting bank charges back or was it all over when the banks won. TIA x