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kev 123

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  1. Thanks dx, I have been on my credit file this week after paying the sum of £100 a month to Cabot for 12 months and still it shows as a default doesn't show an arrangement to pay. Can anything be done about this as it is killing my credit score? I have already spoken to Equifax and they had a response from Cabot that they are fulfilling all of their legal responsibilities and for me to contact them, so I did and to cut a long story short the default will stay on either till the account is settled or the period of 6 years. They will take part settlement however this will also show on the credit file.
  2. Hi Guys, I could do with a bit of advice after an illness and arranging payment with various companies my credit report took a kicking as expected however I have now caught up with all but 2 HSBC and Cabot I still have an arrangement to pay. I must add that these 2 where defaulted on some time ago, whilst shall we say discussing payment arrangements. The issue I have is that even though I am paying that theses 2 accounts and have been for over 14 months they are still showing as defaults and are killing my credit score I have contacted Cabot (they where not any help) any ideas how I can improve my credit score
  3. kev 123

    Hsbc/mcs

    Yes unfortunately, wished i would have known what i was signing, but was desperate at the time.
  4. kev 123

    Hsbc/mcs

    Don't know dx thats what I'm trying to find out after reading in the forum. On the correspondence it just states personal loan, but it sounds much the same as the managed loan
  5. kev 123

    Hsbc/mcs

    Ok cheers will send it in the morning
  6. kev 123

    Hsbc/mcs

    Thanks maroondevo52 should i send it to the Customer Credit Services Dept, that is who i received the letter from?
  7. kev 123

    Hsbc/mcs

    Hi, hope someone can help. I have had a payment agreement in place since Jan for a period of 6 months, the plan has now come to an end from a previous thread i started i received some great help and advice. The last letter i received from HSBC stated that my account had been passed to Metropolitan Collection Services and Once the six months had expired MCS would contact me. The account is for a personal loan it was given to me as i was always OD and just about paying the minimum on my credit card they put it all in one loan. I have been paying it back for approx 4.5 years and still only managed to pay 3000 off a 10000 loan. I can't find any of the details and with to CCA and SAR them, my question is who do i send the requests to is it HSBC or MCS?
  8. No not yet, just got home as i work away, will right it today. any ideas on who to address it to?
  9. Thank you ims, is it best to ring Cabot or correspond by mail
  10. No termination notice either, the only correspondence was to inform me that the account had been sold to Cabot.
  11. No, I have never received a default notice from Hitachi
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