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. #61

    Default Re: Instant Cash Loans / BW Legal

    No you are not
    Its a true reflection of how you operated the account
    The only thing you might poss do is get a default registered at 3 in 2014
    But it will still be there till its 6th birthday

    You want a magic wand
    There isnt one sadly

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  2. #62
    Basic Account Holder
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    Follow Real_CAG on Twitter
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    Default

    Ok but surely best thing to do is just pay it off?


  3. #63

    Default Re: Instant Cash Loans / BW Legal

    not saying you shouldn't
    just pointing out its not a guaranteed magic wand.

    it should [and note I say should, !!] charge the status of the loan to show settled.
    but that wont remove the late payment records in the calendar section
    however AFIAK mortgageicon companies don't have access to those so wont know its had a poor history.

    but ive also seen that it didn't remove the late payment status, just like if you pay a debt off if its had a default notice issued
    it still says default by also shows as settled.

    the late payment status is something registered by the debt owner, its not as a result of what the last calendar marker said..
    so as you cant see it can be hit and and miss IF it stays or goes.

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  4. #64
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    Default Re: Instant Cash Loans / BW Legal

    Ok so yeh they said it would only be partially settled if they accept my offer.

    So just wondering if itís already showing that I havenít ran this account well. Is it ok credit file wise if it just says partially settled rather than settled.


  5. #65

    Default Re: Instant Cash Loans / BW Legal

    Ps is no good it will be there for 6yrs unless theres a defaulted date?

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  6. #66
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    Default Re: Instant Cash Loans / BW Legal

    There's no defaulted date - so i should just pay it all = that's the best thing to do?


  7. #67

    Default Re: Instant Cash Loans / BW Legal

    oh yes sorry. small screen time.

    why don't you offer to settle it then but ONLY if they register a default 03/14, that way whatever they put PS settled etc will be gone 2020

    or demand its only marked as settled

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