Rickyatsea
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Im not going to mention any names but i have a good bank manager who is sympathetic towards my circumstances and has a degree of hate towards these type of companies. He is opening me a new account on friday and closing the old one down so i have new details and card details. He believes they cannot offer direct debits if they do not adhere to the schemes rules. I will see what he says on Friday but i hope i can get them on something.
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Thats what im getting at. This company is regulated by some kind of body. Whether its in their contract or not they are breeching th DD scheme? Can i not have them by the short and curlies for this behaviour?
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And as for the rogues at wageday advance? Surely they have breeched something too?
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Hi There, I took out a stupid pay-day loan and couldn't afford to pay it back. Now I cancelled my debit card and my bank manager cancelled the direct debit 2 months ago and all was fine and well. A few days ago I noticed that they had set up a direct debit again and applied for payment of the balance. Am I correct that this is a breach of the direct debit scheme regardless of their terms and conditions? As far as I am aware with other companies if I or my bank cancel the direct debit, the recipient requires my authorisation to set up a new one? Am I right? Are they in the wrong? Cheers in advance!
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Thanks for all your help
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I have 4 mobile contracts. A 5k loan and a £200 credit card which i manage in good order. Plus I have a load of Payday loans settled satisfactorily. If i keep my head down and stick with what i have, will it at least come up enough so my bank will offer me a current account?
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surely a default and a F&F settlement of lesser value is still a settlement. If the creditor agrees? And if i settle the defaulted accounts will my credit score begin to improve. Also how long after the defaults before creditors overlook them as i have many credit accounts that i still manage well. My current score is 272
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I've been a bad creditor for years. I have about 30k of statute barred debts. But ive started thinking of mortgages and alike and I have a bit of cash about me. I have a credit score of 272 and figured i can get them away with a 50% or less offer if i have it in writing?
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Hi, Im new to the forum and have joined for help. My credit file and score has been obliterated by payday loans and defaults. I am about to engage in settling and cleaning up my credit file. I figured i can negotiate with payday companies and all i want is to propose a reduced settlement figure in return for settlement of the debt and my credit record updated accordingly. I intend to make an offer and have them send me a letter accepting the offer and agreeing to update my record. Without receiving this letter i will not proceed. Is this the best way to move forward. Have it in writing so I can prove they agreed to my requests incase they dont actually do it? Also is there a time scale i can enforce from settling the account until my credit record is updated? Cheers
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Hi, I am new to the forums and have a question regarding the above mentioned Motormile finance who have not exactly logged a credit search, but actually are reporting to experian that i have a defaulted account with them. My question is, can a DCA do this?
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