Shop Direct

[dx100uk]

therefore they owe you.

 

so no-one will ever go anywhere near a court too.

 

now so the only thing outstanding

is a crap cra file?

or that does not bother you?

 

dx

[avfc2012]

therefore they owe you.

 

so no-one will ever go anywhere near a court too.

 

now so the only thing outstanding

is a crap cra file?

or that does not bother you?

 

dx

 

It does bother me,

 

I cant get a bank accout / loans etc.

 

I cant even get one of those high interest credit cards (I know its a good thing).

 

My credit rating is crap. (Experian: 425, Noddle: 1/5)

 

Experian state that I am using 185% of my available credit,

thats with having the 3 Balances quoted above as Default,

 

MotorMile Finance as a Default at £523

 

and my mobile contract which is running ok.

[dx100uk]

motormile - you're involved with that fleecing lot too.

 

dx

[dx100uk]

ok well attack this another way then

 

each of the three accounts must have had a default notice issued

 

look at the date of the DN

 

using the PENALTY charges spreadsheet for each account

 

check that there ARE charges included by that date in the sum they are after on the DN.

 

if this is the case, the DN is invalid, and should be removed from your file.

 

as with any marker on your CRA

if you can PROVE that marker was SOLELY down to THEIR PENALTY charges

then it dhould also be removed.

 

dx

[avfc2012]

motormile - you're involved with that fleecing lot too.

 

dx

Yep, got another thread on here.. WDA sent two agreements one rolling the other not, the latter signed first and cash issued on that date. Mmf are just well pathetic with customer service etc, haven't heard nothing from them for a month now.

[avfc2012]

ok well attack this another way then

 

each of the three accounts must have had a default notice issued

 

look at the date of the DN

 

using the PENALTY charges spreadsheet for each account

 

check that there ARE charges included by that date in the sum they are after on the DN.

 

if this is the case, the DN is invalid, and should be removed from your file.

 

as with any marker on your CRA

if you can PROVE that marker was SOLELY down to THEIR PENALTY charges

then it dhould also be removed.

 

dx

 

The Default dates look like the dates that they were infact purchased.

These are the details on the Reports

Lowell:

Bal: 1080

Default Bal: 653

Default Date: 16/05/2012 (Assigned To Lowell: 18/05/2012)

 

Lowell:

Bal: 409

Default Bal: 205

Default Date: 15/08/2012 (Assigned to Lowell: ? Can not find the letter)

 

CapQuest:

Bal: 884

Default Bal: 393

Default Date: 04/12/2012 (Letter of Assignment Recived: 05/01/2013)

[dx100uk]

on the cra file what markers have you got leading upto these default dates

1, 2 ,3 etc.

 

dx

[avfc2012]

on the cra file what markers have you got leading upto these default dates

1, 2 ,3 etc.

 

dx

 

Cant get into Experian, had username unknown allday (it was fine yesterday)

Noddle states the first marker as:

Lowell: Status history D on Jun 2012 - Balance History: Jun 1080 (With D's upto Jan '13)

Lowell: Status history D on Sept 2012 - Balance History: Sept 409 (With D's upto Jan '13)

CapQuest: Status history D on Jan 2013 - Balance History: Jan 884

[dx100uk]

think i get you

you mean you have rows of d's well before the actual dates the default notices were actually sent on?

 

dx

[avfc2012]

There are no entries on the report under shop direct. Only Lowell & capquest where the information on the default markers start when they purchased the accounts.

It just basically looks like they've had the accounts since their opening dates but not recorded any data p until default dates stated (that coincides witg the purchase dates)

[dx100uk]

post up your cra file

 

when a debt is sold the new owners name replaces that of the oc .

 

dx

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[avfc2012]

I've attached:

the last Experian report that shows Shop Direct history (Dated April 2012)

Experian as of today.

Noddle as of today.

[dx100uk]

yep see what you mean

 

now did you ever get a letter for each called a default notice

 

dx

[avfc2012]

Not from Lowell or CapQuest, who are recording the Default from the date they took the account's on.

(on an other subject same goes for my MMF one aswell, and there recording the loan as mail order?)

 

I dont think I had one from ShopDirect either, and I only say this as the account as you can see on the Experian report all 4 accounts for April are marked as (U) under Shop Direct.

May: the larger one drops off the report, and the other still 1 is marked (U) and the other two (3).

June: Lowell (8), ShopDirect (U), (3), (3).

July: Lowell (8), ShopDirect (U), (3), (U).

Aug: Lowell (8), ShopDirect (U), (3), (8). *The ShopDirect (8) was written off by Lowell)

Sep: Lowell (8), (8), (8), ShopDirect (U)

Oct: Lowell (8), (8), (8), ShopDirect (U)

 

Unfortunatly I dont have reports from Nov to Feb

 

I'm yet to send anything (like the letter above) to them yet, as I dont know what to say about the Default's either.

Edited March 4, 2013 by avfc2012

[phillyg]

NDR are in no way connected with Shop Direct. Northern debt recovery are absolute [EDIT] working under the same company as the other [EDIT] Marshal hoares baliffs. Please be aware if it gets this far and threats are thrown your way please approach the OFT and complain. Also be aware Marshall hoares are NOT baliffs!! Good luck with NDR they can be a challenge. I know from experience.

 

 

ndr are not listed as same company but are. same statment layout and when i phoned once before they introduced as shop direct when i phones the ndr number. im

hoping when you sar them they havent

got your signed CCA. once i CCA'd them they couldnt produce mine and that was a relief as it gave me breathing space and ndr stopped ringing me twice a day every day. then out of the blue i had a letter telling me they wouldnt be persuing me for the £1400. i know this site is not about avoiding debt but i got lucky with this one and catalagues back in the day were not bovered about getting your signature more focused on spending asap

Edited March 4, 2013 by ims21

[dx100uk]

urm...they are

look at companies house.

 

dx

[avfc2012]

That's random, when I've been stating that the accounts have been sold to Lowells & Capquest?

 

As for NDR they are actually called Nationwide Debt Recovery and are owned by the Shop Direct Group.

 

Have. You posted in wrong thread?

[dx100uk]

prob

 

now i'm gonna try and get around to looking at the printouts later but i'm a bit busy.

 

if you have copies of the dn's or any notice of sums in arrears post them up please

 

either we need to split the three debts to teir own threads or i'm gonna get confused here

 

dx

[avfc2012]

I will have to have a look at the last few statements I had from Shop Direct, as I'm sure they sent notice of sun of arrears in with the statements.

[phillyg]

Maybe I have got confused but you mentioned Motormile who in turn pass the debt to NDR and then they pass it onto Marshal hoares. The man behind this is Oliver Larholt. CIM technologies.

 

Sorry for getting wrong end of stick.

 

prob

 

now i'm gonna try and get around to looking at the printouts later but i'm a bit busy.

 

if you have copies of the dn's or any notice of sums in arrears post them up please

 

either we need to split the three debts to teir own threads or i'm gonna get confused here

 

dx

[dx100uk]

I will have to have a look at the last few statements I had from Shop Direct, as I'm sure they sent notice of sun of arrears in with the statements.

 

NOSIA would be very useful

 

dx

[Old Cogger]

NDR = Nationwide Debt Recovery = aka Shop Direct own DCA,.

[avfc2012]

I've only got the following statements available:

A/c Bal £1080 - April 11 to Jan 12 (30 to 39) Last statement Bal £925.85

A/c Bal £409 - April 11 to July 12 (01 to 17) Last statement Bal £385.67

A/c Bal £884 - Mar 11 to July 12 (14 to 35) Last statement Bal £846.46

 

Do you want me to post the Notice Of Default Sums as well as the Notice of Sum in Arrears?

There were no default notices contained in the statements.

(I've recieved a copy of the agreement for the £1080 account today - I didnt even request it?)

[dx100uk]

dealing with three on the same thread is going to be difficult

 

which is why it might be better to start a thread for each debt

 

and post the relevent paperwork on the correct threads.

 

 

the bottom line here is to PROVE that when they marked your cra file

that mark was SOLELY caused by THEIR [summed to that date] PENALTY charges.

 

thus likewise with any DN's.

 

the NOSIA or NOD letter will be your clue.

 

dx