Experian. Defaults appear twice it seems ?

[2ltr16valve]

Hi all.

 

I am wanting to start to sort my credit file. It appears to have 14 accounts in default !!!!

Although most appear twice. ??

There is also one account that had gone to gothia that's defaulted but marked as satisfied an then defaulted again by Lowell ?

[dx100uk]

typically when debt are sold and placed on a phishing list

for debt buyers to 'buy'

 

the account from the Original Creditor & that of the debt buyer will both show for a while.

 

as long as the DEFAULTED DATE in the summary line of each HAS NOT BEEN CHANGED

 

its effectively doing you no harm.

 

time for a few CCA requests me thinks

 

dx

[fkofilee]

List the accounts here and whats owed

We can then advise best

[2ltr16valve]

I will add a screen print ? That okay ?

[fkofilee]

Remove any personal details though

[2ltr16valve]

Here is a list of whats on there but does not show the default dates...... I am trying to do an expanded one for yous but editing and saving is going to mean a lot of uploads unless there is an easier way to do it ? I dont have adobe to do pdf format ?

[fkofilee]

You need to save it as a PDF

[dx100uk]

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

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

but leave all monetary figures and dates.

.

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

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

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

.

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 http://www.freepdfconvert.com/

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[2ltr16valve]

Lets try again

[dx100uk]

blimey...

 

I think you've duplicated a lot there ?

 

are the provi loans actual doorstep loans

or are they other debts they've conned you into paying off via a loan?

 

dx

[2ltr16valve]

blimey...

 

I think you've duplicated a lot there ?

 

are the provi loans actual doorstep loans

or are they other debts they've conned you into paying off via a loan?

 

dx

 

 

Nope no duplicates bud.

 

All exactly what's listed on my file.

 

That's what I was saying by they appear twice.

 

The only one that shows twice is in the list which is bottom of first one an top of second which is Lowell I believe.

 

What I have done is list the whole accounts section in the first two screen grabs.

 

Then under those I have listed only the defaults in the order shown in the first list.

 

Provident was door step loans yes.

 

Reason for so much debt was broken back in 2002 from serious rtc.

An in an out of work since.

Now got copd so stuffed tbh.

 

Was thinking of bankruptcy tbh as my file is stuffed till 2019 as I've little hope of paying it all.

 

I would love to clear the whole file but just do not have the means.

[dx100uk]

COPD mrs has that nasty ...

 

whats the threat-o-gram level like?

 

I take it you not paid any of them since?

 

dx

[2ltr16valve]

COPD mrs has that nasty ...

 

whats the threat-o-gram level like?

 

I take it you not paid any of them since?

 

dx

 

Usual fishing letters as I've just ignored them completely.

Muckhall an few others usually.

[2ltr16valve]

See why I'm confused as to why everything shows twice on experian.

[dx100uk]

have you looked at noddle?

 

dx

[2ltr16valve]

I have noodle but not checked it for a while as is really out of date with regards to updating.

[2ltr16valve]

Noddle shows them as once but a couple that are not on experian such as Oakham as late payment.

[2ltr16valve]

Any ideas . Ty