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kibby

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  1. I dont no if there is a default because its my mums account and I cant check her credit report
  2. Sounds good i'll do that if you can help me please Should I reply to their letter offering me to close the account off and tell them im not interested?
  3. Who did u complain to?? How did long did it all take before JD Williams gave in?
  4. Please HELP What should I do?
  5. I lodged a claim against capital one last year so kinda know how it works. Not sure what particulars of claim to use?? Need help with lodging the claim Should i file the claim online or via post?
  6. I sent them a prelim letter and they offered me £4.50. So i then sent the LBA and they are now offering to close the account and that I owe them nothin which means i would lose out on about £150. Not sure what to do though? Any advice much appreciated
  7. Should I just send the refusal letter and also include in it that they remove any defaults in my mum's name??
  8. Its my mums account so I have no idea
  9. Got a final offer from JD williams. They are willing to pay off the amount of my outstanding balance and close the account. If I do this im out £130. Do i accept their offer or send them a letter refusing it?
  10. Charges for late and missed payments
  11. kibby

    Default

    Has anyone had a default removed from the credit report after claiming back all their charges?? Please please help
  12. Sent my prelim letter to JD Williams and just got a reply this morning with the usual rubbish, however they are crediting my account with the enormous amount of £4.50 (think i might get a holiday in spain with this NOT) What do i do now?? Are there are templates where I can refuse this £4.50 and also be an LBA as well???
  13. kibby

    Default

    Has anyone tried to get a default removed from their credit report?? Are there are templates for doing so? Please help
  14. Hi, Yes i read through that one, got confused as it was mostly about CCA's. It doesnt tell me which prelim or LBA letter to use though, whether it be the Bank one of Credit Card
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