Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Default after 5yrs of AR markers - 2 shop direct accounts

    Hi
    Firstly thanks for reading and all replies are gratefully received.

    I have been on two special arrangements with my catalogue Very and littlewoods for 5 years.
    Today they tell me that I pay everything off in full or they will issue a statuary default notice.

    The special arrangement has already had an impact on my credit file so surely they then can’t do it again for another 6 yearsicon.
    I asked them 5 years ago to do the default notice!
    They have also told me today that I shouldn’t of had the arrangement for that long anyway.

    Is there anything I can do to avoid the default being placed today.
    I want to downsize my house but if they give me two defaults it will a further 6 years when realistically it should only be 1.

    Thanks


  2. #2

    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    so the debts were not defaulted at the start of all this and are still on your credit file?
    what does the monthly calendar say NOT AP I hope!!

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  3. #3
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    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    hi

    Yes still on file and monthly Calendar says AR.


  4. #4

    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    oh god they never go away can harm you for upto 12yrs.

    the quickest way to get it defaulted and thus removed in 6yrs is to stop paying now.
    the defaults should have been issue after the third missed / short payment

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  5. #5
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    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    Quote Originally Posted by dx100uk View Post
    oh god they never go away can harm you for upto 12yrs.

    the quickest way to get it defaulted and thus removed in 6yrs is to stop paying now.
    the defaults should have been issue after the third missed / short payment
    i have an update on this. I went to the financial Ombudsmanicon and they agreed shop direct should of applied a default 5 1/2 years ago. This was in October. The issue I have know is getting shop direct to update my file. FO are in contact but just wondered if anyone has any advice. I have the actions in writing from both FO and shop direct.

    thanks in advance


  6. #6

    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    You tell them to change your file, or you tell the FSA/FO to tell them, or you sue to make them.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  7. #7
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    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    Notify the credit reference agencies too.


  8. #8

    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    give them 14 days else you'll start a serious complaint with the ICOicon and seek financial compo...esp if you've been turned down for credit or had to take out more expensive credit or been refused a mortgageicon, if their NON default was causing you harm by itself only on your credit file.

    its for the creditor to update your file, nowt to do with CRF providers

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  9. #9
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    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    If you report the incorrect entries to the credit reference agencies, they will contact the creditors to confirm your information and then correct it when verified.


  10. #10

    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    Which is a waste of time and elongates things 3 fold

    Prove the OC wrong
    write with ....Give them 14 days
    Then off to the ICOicon


    Dx

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  11. #11

    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    Quote Originally Posted by Will Goodfellow View Post
    If you report the incorrect entries to the credit reference agencies, they will contact the creditors to confirm your information and then correct it when verified.
    Very VERY rarely happens as the creditor will simply say " the entry is correct".

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  12. #12

    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    Thread title updated

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  13. #13
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    Default Re:  Default after 5yrs of AR markers - 2 shop direct accounts

    Quote Originally Posted by renegadeimp View Post
    Very VERY rarely happens as the creditor will simply say " the entry is correct".
    How do you know that it very rarely happens, do you have access to statistics on the number of failed requests, and if so, how many of those requests have confirmation from the fosicon that its incorrect?

    You can't just assume it rarely happens because that's what you think.


  14. #14
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    Default Re:  Default after 5yrs of AR markers - 2 shop direct accounts

    I've been in contact with fosicon and he has been telling them since early November to change it.
    I have rung them also.

    The woman told me do what you want we have already been fined so go ahead back to FOS.
    The guy at the FOS wasn't impressed.
    I just want it sorting
    I'm looking to move and they just put my account from query to arrears.
    Had I have know they would of taken so long I wouldn't of accepted their token gesture of 50 and I have expressed this to the FOS who said I should accept!

    I think the 14 days letter by recorded delivery and a conversation with the ICOicon may be the way to go.

    Thanks for everyones input.
    I will also contact Experian with my letters from both shop direct and FOS stating what should happen.
    I guess if I take it from every direction one might work!

    Thanks again.

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  15. #15

    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    let the ICOicon sort it.
    they will
    the credit ref people will only refer you to them and the fosicon and back to the OC's anyway.

    ICO is always the way to go with Credit file issues.

    dx

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  16. #16

    Default Re:  Default after 5yrs of AR markers - 2 shop direct accounts

    Quote Originally Posted by Will Goodfellow View Post
    How do you know that it very rarely happens, do you have access to statistics on the number of failed requests, and if so, how many of those requests have confirmation from the fosicon that its incorrect?

    You can't just assume it rarely happens because that's what you think.
    Because its shop direct and they ALWAYS do this. I suggest you stop posting as you are giving out bad advice relating to creditors like this.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  17. #17
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    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    Quote Originally Posted by dx100uk View Post
    let the ICOicon sort it.
    The ICO will not deal with the case until a report has been made to both the creditor and the CRAicon which holds the incorrect information.


  18. #18

    Default Re: Default after 5yrs of AR markers - 2 shop direct accounts

    rubbish
    please stop derailing threads with arguments
    its getting tiresome WF.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  19. #19
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    Default Re:  Default after 5yrs of AR markers - 2 shop direct accounts

    Quote Originally Posted by greenk04 View Post
    I will also contact Experian with my letters from both shop direct and fosicon stating what should happen.
    Please update the thread with any further progress.



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