HFC debt - lowells changed default date - **WON+£100 compo**

[DickyRobbo44]

Hi guys,

you've helped me out many times and I come asking again.

 

When I was young, naive and irresponsible,

I said to many forms of credit when I wasn't in a secure job.

 

I have 4 defaults.

3 are settled are will all be older than 6 years old in January.

One however is causing me some distress.

 

The account start date is 27/12/2006 however the default date is 30/11/2011.

I cant remember what is was for, all it says is unsecured loan.

 

I am sure the last payment I would have made would have been in 2007 at the very latest

as looking back at bank statements which go up to 2007 online,

 

I have no payments going out for anything credit wise.

 

Also my credit file only has information on the balance of this defualt from 12/2011.

 

No previous balance history, payments etc.

 

Just a account number with most the number starred out.

 

My questions are:

 

1. How can I find out who the debt is with?

2. Can a default be placed 4 years after I stopped paying?

3. If i send an SAR, who do I send it to.

 

I'm sure this debt should be statuate barred or nearly there.

If I could find out what the debt is for I could prove when my last payment was.

 

Any help would be amazing as Im going for a mortgage in 6 months time.

[DickyRobbo44]

Can I just clarify a few things.

 

On my credit report, the balance on the default is the same throughout,

 

the account start date is 2006

 

however the balance only goes back to Dec 2012?

 

I find it bazaar that the date of default was 30/11/2011,

 

its shows a balance of 574 only from Dec 2012 till now.

 

See screen shot,

 

I have erased my address.

 

Edited November 16, 2013 by DickyRobbo44

[silverfox1961]

The default balance will remain the same if no payment has been made.

 

A lot of Credit Reference Agencies (CRAs) only show the last 12 months data (some do longer)

 

If you want a fuller detailed explanation, you would need to send the relevant CRA a Subject Access Request (SAR) This costs £10 and they have 40 days to comply (SAR templte letter in Library)

[BRIGADIER2JCS]

Before spending a tenner as in writing for any earlier data, address to the Data Controller at the CRA, you will need to check all 3 main agencies.

 

So could cost £30 if you SAR them all.

[DickyRobbo44]

i'll write an initail prove it letter and await the verdict from Noddle on the default date and account type. Is that the best course of action? If I get some sort of resilience i will then SAR Lowell.

[BRIGADIER2JCS]

Noddle uses 2nd hand data and is often inaccurate, check Experian/Equifax.

[DickyRobbo44]

Equifax lists the same information as noddle when I looked just.

[BRIGADIER2JCS]

Ref: Use Lowells:

 

Date............:

 

Dear Ms de Tute,

 

I refer to entries made on my credit reference file by Lowell (printout attached for information).

 

 

On checking my credit file I have discovered that Lowell has changed the default date on the entries from xx.xx.xxxx to xx.xx.xxxx

and I now require Lowell to immediately correct the data it has placed on ALL credit reference agency files to which it has reported the erroneous data.

 

Lowell will then confirm in writing that it has complied with this instruction.

 

Send by recorded signed for post check delivery date.

[DickyRobbo44]

ok so lets resit

 

what is on your cra file then about this HFC debt?

 

dx

 

All i have, from Equifax and Noddle is

 

[/img]

 

I have blanked out any personal info. This debt, now Im sure, was a TV from PC world on finance with HFC Bank. Noddle responded to my dispute confirming nthat HFC bank were the OC.

[dx100uk]

sar to HFC

 

you'll have PPI thats for sure

 

did you ever make any payments

 

dx

[DickyRobbo44]

Ok I'll get the SAR sent off asap,

 

 

from what I've read HFC really drag thier heels on sending the info.

 

 

It was a long time ago and can only guess that I was paying for about a year or so

until I went to Uni when my money troubles happened.

[DickyRobbo44]

When sending an SAR, can I still get the info without an account or reference number?

[dx100uk]

sar is ALL the info they have on YOU

its not account specific

 

dx

[DickyRobbo44]

sar is ALL the info they have on YOU

its not account specific

 

dx

 

So all they need is what's on the template? My name and address? Sorry for all the questions I just want to get it right first time!

[BRIGADIER2JCS]

If you had a different address (es) at anytime during the accounts life it would be wise to list them on the SAR.

[DickyRobbo44]

Few quick questions.

 

 

Going to post the SAR tomorrow.

 

 

Who do I make the postal order payable to?

 

 

Also, should I include a utility bill with the request to avoid any ID delaying tactics?

[dx100uk]

HFC

 

or CTAX bill

 

dx

[DickyRobbo44]

And shall I include a utility bill in my first letter as proof of ID?

[dx100uk]

if you name is on the CTAX bill then no

 

don't give them any financial details you don't have to

blank them out

 

dx

[DickyRobbo44]

Right

I got round to posting SAR 08/02/14.

 

Got a reply yesterday telling me they need a certified copy of my passport or drivers license etc as "original seen" by a doctor, accountant etc.

 

They letter was also written by HSBC who deals with the HFC accounts.

 

Can I just go into branch to sort this or shall I just get a certified copy to stop the games and get my SAR?

[BRIGADIER2JCS]

Take the letter to the local branch with ID and get them to check it and sign an attach the branch stamp.

[dx100uk]

did you not inc a ctax bill copy with the SAR?

 

dx

[DickyRobbo44]

To save time I sent a certified copy of my drivers license to speed things up

making it clear that they should need proof ID as they have been sending me letters etc to my address

and should they have any doubts it should have been rectified a long time before sending me bank statements etc.

 

On another note,

 

 

I raised a dispute with the credit reference agency and it has been marked on the debt as "in dispute".

 

 

Is this a good sign or just standard procedure?

 

 

Its passed the 28 days limit thats why its been marked as in dispute.

[DickyRobbo44]

Ok so I'm still awaiting the SAR, 40 days is up in a week or so.

 

I raised a dispute with my credit reference agency who looked into it and found nothing wrong.

 

However, I have since then received a letter from Lowell confirming that they replied to a recent enquiry

 

and that the default notice was sent to me in 2008 and that I can feel free to pay them now (haha).

 

What should be my steps from here?

 

On my credit report the default date is 2011.

 

Shall I now write to Lowell with the attached letter, or my credit reference agency, or the OC to amend the date?

 

The default has been placed on my account 3 years after the notice which surely isn't fair.

[BRIGADIER2JCS]

Good morning,

 

 

I think a little more research is needed, Lowell have only confirmed that a "DN was sent" in 2008 not that a default was actually placed at that time.

 

 

A DN is purely a notice of intention to default the account if the account is not remedied within the time scale stated.

 

 

Is the 2011 date certain as the default date or could it be the date that Lowell updated the file?