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61
Dealing with Debt / Re: Max Recovery Incorrect Default Date
« Last post by Plucky007 on Oct 25, 2017, 03:41:05 PM »
MBNA are asking Max to change the default date.


I'm due to hear back from MBNA to see if they have or not.


Thats when I got to the ICO.
62
Dealing with Debt / Re: Max Recovery Incorrect Default Date
« Last post by Lisa Thomas on Oct 25, 2017, 03:35:04 PM »
If you have evidence you specifically wrote to the data controller then jump to step 2 and complain to the ICO.
63
Dealing with Debt / Re: Max Recovery Incorrect Default Date
« Last post by Plucky007 on Oct 25, 2017, 03:34:05 PM »
Thanks for the reply.


The only concern I have is that Max Recovery wont reply to any letters I send them.


This is proven fact when I sent the prove it letters last year they didn't reply.
64
Dealing with Debt / Re: Max Recovery Incorrect Default Date
« Last post by Lisa Thomas on Oct 25, 2017, 02:48:39 PM »
I believe you need to write (by registered post) to the data controller at Max Recovery to fix the error.


if no joy you can then complain to the Information Commissioners Office.

Sorry this forum won't let me send the link for the ICO but you can google it easily.

You can also put a notice of correction on your record yourself, if you haven't already.


65
Dealing with Debt / Max Recovery Incorrect Default Date
« Last post by Plucky007 on Oct 25, 2017, 11:36:14 AM »
Max Recovery Limited purchased my debt from the original creditor MBNA in 2012.


I wrote to Max Recovery in 2016 asking for proof of debt, Max Recovery failed to respond to a single letter.


I have as of yesterday discovered that the default date on Experian and other CRA's is incorrect.


Max Recovery state that the default date is the 3rd August 2012.


I received an email from the Case Manager at MBNA yesterday confirming that the actual date of default is the 1st June 2012.


MBNA told me that they have contacted Max Recoveries to change the default date accordingly.


My question is this, Max Recovery failed to reply to my letters last year asking for proof of debt, and also with the incorrect default being on my credit file for almost 6 years.


Can I claim damages against Max Recovery for not replying to my letters, and also for how long the incorrect default date has been stuck on my CRA!?
66
Dealing with Debt / Inverno 2017-2018 freddo e neve. L'inverno secondo
« Last post by lom on Oct 18, 2017, 07:30:57 AM »
Inverno 2017-2018 freddo e neve. L'inverno secondo.
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67
Dealing with Debt / Re: Catalogue Debt and EOS Solutions.
« Last post by Lisa Thomas on Oct 04, 2017, 05:13:38 PM »
Sorry to hear of your illness.


You need to respond as this will not go away and will only increase due to costs and interest and make things more stressful for you.


They should ask you to fill in some financial documents to prove your inability to pay the debt and hopefully you can reach a repayment plan with them, and get any interest and charge frozen.


You could consider contacting the CAB or a charity like Stepchange for more advice or consider a debt management plan, but for one creditor I suspect it will be simpler to deal with them direct.
68
Bankruptcy / Re: Post Bankruptcy - can i be named on house deeds?
« Last post by Lisa Thomas on Oct 04, 2017, 05:11:31 PM »
I agree with Scrooges answer. No issue unless you are still Bankrupt OR if your husband has insolvency problems in the future this could cause a problem for both of you.
69
Dealing with Debt / Catalogue Debt and EOS Solutions.
« Last post by Misssparkle on Oct 03, 2017, 02:57:21 PM »
Hi. Hope someone can give me some advice. For the past few years I have been receiving letters from EOS Solutions acting on behalf of Grattans catalogue regarding money I owe on an old account. I did send one payment of £5.00 but then I was diagnosed with cancer and on chemotherapy and consequently couldn't work. I didn't send any more money and every few months I would receive a letter from EOS asking for money. I still don't work because of the cancer and probably buried my head in the sand hoping they would go away and leave me alone. I now have received a letter from a solicitors acting on their behalf asking me to pay the debt back which I just can't afford. Any advice on what to do next would be much appreciated as its stressing me out. Are they likely to accept something like £5 a month from me? The debt is £617.93. Thanks.
70
Bankruptcy / Re: Post Bankruptcy - can i be named on house deeds?
« Last post by Scrooge on Oct 03, 2017, 01:00:28 AM »
Not quite sure of what you mean by dissolved? Do you mean you are now a discharged bankrupt, IE: the period where you were classed as bankrupt has ended? If that's the case your name on the deeds won't matter as long as you are sure you are definitely discharged from bankruptcy.

You may find this useful from The Insolvency Service:


Introduction

1. What is after-acquired property?

After-acquired property is any property (but not income) which has been acquired by or devolved upon the bankrupt since the commencement of the bankruptcy proceedings. Section 307 of the Insolvency Act 1986 allows the trustee of the bankrupt’s estate to formally claim such property by notice in writing for the benefit of the estate.

The trustee may claim such property even if the trustee only becomes aware of the property after the bankrupt’s discharge, providing it was acquired by, or devolved upon, the bankrupt between the date of the bankruptcy order and the date of discharge.
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