Hello again, different story.

In July 2016 I was diagnosed with lung cancer which had spread.

I notified saga & told them to hold up repayments please while I sort out my work/benefits.

( I was awarded PIP that the hospital claimed for me.)

Saga called to say don't use the card and let them know when I was ready, also, it would affect my credit rating.

I retired in December & started a claim for universal credits and work related disability, which I've now got.

In the meantime, saga sent me an income expenditures form.

I returned that but, they lost it & asked me to fill in another one which I had to ring for, it never arrived.

Eventually got it, filled it in, sent it off over 2weeks ago & haven't heard anything.

I was going to call them today and wondered if there was any heads up you could give me?

The main question is;

Is there any way I can get them to take off the bad credit rating?

Thank you.

sadly no

i'd just start paying what you can when you can if this is your ONLY debt?

its very low priority and hopefully they froze interest and charges once you alerted them?

there no legal requirement to send anyone your PERSONAL financial details

NONE of their business!!

Yes, I'm just waiting to hear from them that they've accepted my monthly payments offer.

I'll call them then to see what's happened?

pers i'd only ever communiczate in writing

then you have a papertrail

because they'll sell this on to a no powers DCA

and they'll deny all knowledge and slap all the interest and penalty charges back on.

i'd just start paying what you said.

you DONT need saga's permission to do it.

they've probably already defaulted your credit file

so no matter what you do

pay or not

that trashes your rating for 6yrs regardless

theres nowt more they can do to harm you.

dx

dx

Hi there,

Thank you for your reply. They HAVE put a bad credit mark on my score, I checked.

I've spoken to SAGA,

(I had to phone as they hadn't replied to my letter and expenditure form)

they are happy to accept my monthly payments which I'll set up asap.

I also put to them a settlement figure which I feel they seem open to.

I've to send my medical conditions & statement of offer.

I asked them to restore my credit score but, apparently, as they are Irish (AIB) they have no control over it, they only deal with Irish credit law, (yet they managed to put it on??) & I should follow that up myself. (I am about to write to Experian etc for clarification.)

When I send off my letter to SAGA I am going to put the restoration of my credit score as a condition of the settlement fee. Is that feasible?

Another point is that I didn't receive in writing that they were going to mark my credit score.

I read somewhere that that should happen.

I wondered if I had a case there?

So, to summarise, 2 points:

1. After settlement how to lift the credit bad score, if, as they say they can't do it as they're Irish, though they put it on.

2. Does the fact they didn't write to tell me that my credit score would be affected count for anything?

Thanking you.

if they are not going to wipe your credit file

I question the need to send any pers info

if they wont help yo

why help them

2 way street.

no harm in you contacting the ico for clarification on this we are irish we cant clear your credit file stuff.

dx

And the fact they didn't write to me?

Thanks very much for your reply, going to try ICO now.

Just spoken to ICO & they suggest that it will show as 'settled' rather than taken off, which is what I meant actually.

yes but it doesn't remove the defaulted date in the summary nor the calendar markers

they stay. even if settled

dx

What I'm trying to find out is, is it worth giving them a settlement or a monthly payment? If they are both going to achieve the same then I won't bother with the settlement option.

do what you are currently doing for now, you owe 'something' so minimal payments will hold things for now.

why don't you get an sar off to them.

lets see all the statements

and see what else they've been charging like penalty fees or PPI or WHY?

when did you take this card out?

dx

Yes, I've just set up the standing order.

Without checking I think I took the card out in 2012. There's not a great deal owing £2,000.( Hope that's not too facetious of me.)

Thing is, I want to keep them sweet, as it were, so they'll accept the settlement figure if I need them to.

I thought I'd write to them offering the settlement & including the proviso that my credit score is restored. Then, if they refuse to restore the credit score, don't go ahead with it & carry on with the standing order.

id p'haps be getting all the statements first?

lets see what cards you hold re reclaiming or inflated outstanding balance

where they have not helped you when they should.

ducks inline time.

I have the majority of my statements, are they what you mean?

When you say they haven't helped me, do you mean my illness?

any penalty {£12] fixed sum fees?

and did they agree to freeze interest when you told them?

Yes, I asked them to freeze the interest in my first letter and they agreed, by way of a phone call.

They don't answer to emails.

They often charged me late payment fees.

then there is you bargaining tool

IMHO you need all the statements then

penalty charges are unlawful under FCA rules

I've sent off a letter asking if they will accept a settlement fee, on the condition that they remove the bad credit mark.

We'll see.

Also, I didn't know that late payment penalties were unlawful?