Threatning Letter from WMD - Please Advise

[hmpmarketing]

Hi All, just joined after finding many members here are so helpful with others!

 

To make my story short,

 

I had a credit card with Creations (Flybe Card).

My limit was of £1000, have used the card a couple of times and paid in full.

 

Around May of last year, I decided to use the card to purchase a few things, and had an outstanding balance of around £500 or £600, cant remember exactly.

 

Due to some health issues, I had to go abroad for surgery and returned last month (I was abroad a week short of a full year).

 

While abroad, I did make a couple of the minimum payments on this card, however felt behind payments for 3 months.

 

When I went to creations website to login to make payments again, I was shown a message saying I could not login.

I thought, well, they must have closed my account, however I had no access to any correspondence as I had everything forwarded to a mailbox while I was abroad.

 

When I came back I found a couple letters from West Midlands Debt Collections threatening me with action.

 

The outstanding debt is of £783,45

 

I want to pay this debt as I have to honour it ( I did spend this money),

however I am looking for advice on how to proceed so that this does not tarnish my credit score in any manner.

 

Also, my question is, Is this already "marked" on my credit score?

 

So how do I go about with WMD or Creations as I was told the best thing is not to contact them in any way via phone?

 

I will really appreciate the advice and willing to pay if I can get this sorted in a nice manner!

 

 

Thanks Again all

[honeybee13]

Hello and welcome to CAG.

 

I can't read the jpegs because if I enlarge them, they go blurry. Would you be able to make them into pdf documents please, then they can be read? Also, it looks as if some of your personal information may be on there, which you need to take off for your own security.

 

My best, HB

[hmpmarketing]

Hi HB, Thanks for your prompt response!

 

I have attached them as pdfs please take a look

 

Regards

wmd-9thJune.pdf

wmd-1stJune.pdf

[dx100uk]

i would check your CRA file frst

 

see below

noddle is fre.

 

as for the debt

certainly dont pay a DCA, they have no legal powers anyhow.

 

don't forget that there is nothing t stop you using YOUR

internet banking site to pay creation direct.

 

have you all the statements?

 

i bet there are heeps of £12 unlawful PENALTY charges that you can reclaim.

 

dx

[hmpmarketing]

Hi All,

 

I think I can find all statements, I will go look.

 

Thanks dx100uk, Just signed up to Noodle. As far as I can see on my CRA file with them:

 

I have a rating of 3/5 according to Noodle;

No Credit Cards listed (?); Should have one listed here or not?

4 Accounts listed "all up to date" (2 are bank accounts and 2 are O2, i suppose they are my phone contracts);

No Bankruptcy / Insolvencies or Judgements recorded against me;

No Notice of Corrections;

No CIFAS;

No Electoral Roll Record;

Few record searchs from over a year ago.

 

Whats the next process of action?

 

I will try to see if I can login to Creation and try to pay whats owned, but I think I will be unsuccessful.

Edited June 25, 2012 by hmpmarketing
missing info

[dx100uk]

so you are saying the card is not showing?

 

dx

[hmpmarketing]

Hi Dx,

 

Yea, No Credit Cards listed on Noodle

[dx100uk]

strange, it must be live though

 

can you check one of the others please

 

sometimes not all cards are reg'd with all cra's.

 

dx

[hmpmarketing]

Noddle has a tab where it shows closed accounts, however Sigma Bank is not listed there either. I have a few there but all show the status as "Settled".

[BRIGADIER2JCS]

Many major credit card issuers do not use Noddle and not all

use both Equifax and Experian, none of my accounts appear

on Noddle.

I find even if Noddle are use they areb often out of date.

The Status settled almost certainly means the account has been

sold on to debt purchaser/DCA.

 

No doubt you will be hearing from them soon.

[hmpmarketing]

Hi Brigadier2jcs thanks for the input!

 

The ones that I can see with status "Settled" are old accounts that I had with mail order companies, insurance, etc...none of them with any outstanding debt. I have just signed up with Equifax and waiting until its activated (according to the lady on the phone 15 minutes).

 

I will see what Equifax shows and will post here shortly.

 

Regards

[hmpmarketing]

Equifax report is back, I can see the Sygma Bank account listed with them (see attached pdf).

 

September was my last payment and I managed to be late 3 payments after that, then they closed the account.

 

So what course of action should I follow from now on? I suppose I cant get this removed?

sygma.pdf

[dx100uk]

ok

 

that shows 6 mts of 'non' payment

 

when this happens the CRA file system 'auto' marks the account 'd' or '8' - defaulted

and no further markers are allowed.

 

your only option now

is to look at the statements and decide 'if' their unlawful PENALTY charges were the SOLE reason

for the marker for 'each' month.

 

if this is so, and your reclaim the charges , then the markers MUST be removed.

 

i think you need to SAR the OC, and get all the staements if you do not have them.

 

dx