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fkofilee

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fkofilee last won the day on October 27 2022

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  1. I hate these conversations - Because you will never find an answer. You will never ever always get approved for a financial product because it depends on the lenders criteria for lending. Also whether they are actually lending. Sometimes companies wont lend for a while. I remember my brother ordering from Currys during the pandemic and he got a decline. He was furious - Turned out that Creation had really tightened their belts up (Existing customers too!) Honestly? Use a good comparison site - Itll give you some good options while only soft searching. Also the drop to your Credit Score (Which is worthless I might add) will be because of these 2 hard searches. Stop doing Credit applications for a little while. oh... You need to read this....
  2. @dx100uk / @lolerz I think we need to take a different approach with this one - A formal complaint to all parties involved - The "debtor" - In reality a victim of these sharks could stand for a payout and refer to FOS. Also I can see some failings to identify the OP as vulnerable.
  3. Absolutly. Was it issued against an old address? Also check Home WWW.TRUSTONLINE.ORG.UK
  4. As thought - Need to speak with FD / HSBC to raise a fraud case and understand what happened. Makes me wonder if youve been a victim of SIM Swap Fraud?
  5. Hi @crv You need to expand a little bit more - What purchases were made? Are they for Google Associated Services or Google Pay being used for 3rd party products. If TPP - Then you need to speak to your bank. They can actually blacklist the device using Google Pay if a cards NFC Token / Virtual Card has been compromised. Lets us know so we can provide appropriate advice.
  6. For ref - Avoid. Privacy Policy says below; They will collect your Telephone number... Oh my... Robo SMS anyone? Also - If you complain about Privacy Issues; - Their DPO team wont respond to you.
  7. Yep you heard that right. Lowell are now offering you a free credit score via their online portal... Bonkers! Absolutely Bonkers!
  8. Bad understanding of billing queries from their CS team - Force your way through voda complaints - Call them Speak to them - Force them to deal with it.
  9. Dont worry - You fell for the smoke and mirrors of Debt Collectors... It happens to us all -
  10. If youve made a payment and its under 6 years, then you cant plead Statute Barred anymore if under 6 years, Essentially restarts the clock. @dx100uk is pretty good with this stuff. Plus if you are in England / Wales. Accounts are not closed after 6 years, they just disappear from your Credit File. The debt isnt ever extinguished etc unless the company chasing you write it off in full.
  11. Probably Perch Verify - A new offshoot of Perch Group - Naughty Naughty if they havent spoke to you directly and given information away...
  12. Which law firm and what does the letter say in full?
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