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freeofdebt

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  1. Hi, I took out a loan but didn't require it then and withdrew from the loan agreement within 14 days and paid it off in full within the 30 days of the withdrawal notice. The loan is showing as settled under Closed Accounts in my credit file. What is the correct practice here can anyone advise please? I have no issue it showing as a hard search but as I withdrew from the agreement within 14 days of obtaining the loan am I correct in believing it shouldn't show within closed accounts and should be completely removed from my credit file?
  2. I will request all default after the third missed payment date, all being well they will fall off my credit file sometime in 2024. I think this is the best approach as under present circumstances late payment markers will be present on my file until 2029. I haven't sent any of my creditors a CCA. Can you tell me why I should do this?
  3. Currently I am in a DMP with Stepchange they have been fantastic. I entered the DMP in January 2018 and have paid off almost 10k up to now. Most of my creditors defaulted my agreements with them in early 2018 but some are still marking my credit file with a Late Payment entry. Should I ask them to default or just leave it? I won't be debt free under my present circumstances until 2023 when the DMP will be complete. The DMP has given my life back and taken the horrific financial stress away to a large extent. I just want to be in a position when I come out of the DMP that my credit file will be in a better situation not long after that. Any advice would be appreciated.
  4. No problem I appreciate your feedback. I had other multiple PDL's at the time and my CRA was grim to say the least..
  5. I have emailed the company to complain, should I go back to them with a SAR or just go to the FOS now as it looks like they have made their decision? I definitely didn't receive a default notice. The account is repaid in full (including interest).
  6. Hi, I have asked a payday loan company to remove a default entry on my credit file from a few years ago, they have declined stating it would undermine the quality of their data submission to the CRA. In my complaint to them I stated I never received any default notice in relation to this debt, in their reply they didn't admit sending one. As a result I suspect they know they didn't. Do they legally have to send a default notice and should I complain now to the FOS? Thank you
  7. Hi, I am trying to get a default removed from my credit file placed on 12/9/2012 by 1MonthLoan (Think Finance). I have tried to get contact details for 1MonthLoan but the website is no longer live. Can anyone advise who I should send the letter of complaint to regarding this default? Thank you
  8. I have sent my complaint to the FOS with the relevant documentation this afternoon, I will give an update here when I hear more.
  9. Hi, Can anyone advise me please I challenged the Moneyshop with an irresponsible lending complaint last year, they dismissed it no surprise there. However in the meantime after checking my credit reports I have realised they didn’t even carry out a credit check on me at that time I applied for the loan, I had four existing payday loans with four companies then. I am going to complain to the FOS now regarding irresponsible lending by them. They have even placed a default on my credit file regarding this loan which I have now cleared in full. Do I have a good chance of being successful? Is there any template letters I can amend before I sent my complaint to the FOS? Thanks
  10. Thanks for your feedback, unfortunately the six months have passed on most of my complaints now. Is it still worth complaining to the FOS or will it be dismissed as I missed the deadline of six months?
  11. In relation to fos complaints and Payday loans can someone advise me please. I have had some success with two payday lenders I have lent with over the years in relation to compensation received due to irresponsible lending, however the majority just dismissed me denying irresponsible lending. In their response they advised me if I didn't agree with their decision to contact FOS inside 12 weeks. In the end up I didn't contact FOS however I regret this now, my question is can I still go to FOS with these complaints or has the window passed in relation that I missed this 12 week window.
  12. In relation to FOS complaints and Payday loans can someone advise me please. I have had some success with two payday lenders I have lent with over the years in relation to compensation received due to irresponsible lending, however the majority just dismissed me denying irresponsible lending. In their response they advised me if I didn't agree with their decision to contact FOS inside 12 weeks. In the end up I didn't contact FOS however I regret this now, my question is can I still go to FOS with these complaints or has the window passed in relation that I missed this 12 week window. http://www.consumeractiongroup.co.uk/forum/showthread.php?456212-FOS-complaints-advice-after-Payday-loan-companies-dismiss-irresponsible-lending-complaint. My thread for advice, please ^^^
  13. Can anybody advise me please, I have obtained loans from the Moneyshop, Payday UK and Payday Express in the past. Should I contact the Moneyshop or wait on them to contact me regarding compensation due to due to the lender’s debt collection practices, affordability checks and systems errors.
  14. Hi, Currently I have three credit building cards Vanquis - £250, Aqua - £100 and Capital One - £200. I applied for these to rebuild my credit. Can anybody advise me should I pay the three off now and close them which I can afford?keep one and pay in full every month?keep three and pay in full every month?I will keep the three if it promotes my credit better than paying off one in full every month. Any advice would be appreciated please. Do these cards repair a poor credit history which I have at the moment? Thank you
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