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you get it in WRITING first that they WILL totally remove any accounts FIRST.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no-one can see the calendar markers bar you...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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FX - what do you mean they wont remove the CRA info, if they agree to accept my offer are you saying the loan wont be amended to satisfied on my CRA - what would be the point of that

 

DX - Yeh but surely they can see i've got late payments on my loan - surely it is best to clear it off my credit file?

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Correct they will never remove it... They will set it to partially satisfied only...

 

Don't waste money in Full and final unless they REMOVE it...

Although I would tempt fate and prepare them an offer for removal... I want to see if they treat people differently and unequal...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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why do you need it gone?

its not hurting you.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

why's it not right

you missed payments they are entitled to mark your file

 

shouldn't hurt a mortgage application anyway.

but they cant see the calendar stuff

 

only the summary.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

most mortgage co's ignore silly PDL stuff now.

 

partially settled means there a debt outstanding an that will show in the debt summary for 6yrs and wont look good towards a mortgage

as it stands if the summary just says 'late payment' on any debt, it doesn't really harm you interms of getting a mortgage.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

most mortgage co's ignore silly PDL stuff now.

 

partially settled means there a debt outstanding an that will show in the debt summary for 6yrs and wont look good towards a mortgage

as it stands if the summary just says 'late payment' on any debt, it doesn't really harm you interms of getting a mortgage.

 

I disagree with DX about the PDL element but if you look at it rationally DX is right. Just remember PDL companies and the products they offered were irrational - Almost loan shark like...

 

As for your case with BW Legal... Ill brb

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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So - I quote you from BW Legal on a scenario that occurred to me earlier this year...

 

We believe that the complaint wholly relates to the fact that the debtor is attempting to remove details about this loan from his credit file which is an illegal attempt to "Credit Wash".

 

This was after i had offered 50% on a F+F basis and they rejected it because they were unhappy with the terms that they removed it from my CRA. This isn't even my loan - But I did it because i knew they would reject it.

Under no circumstances do they remove entries for your CRA. They would rather steal from their own... *Cough* - You get the idea...

 

Dont waste your money on a F+F... They will only mark it as Partially Satisfied. The default will still be there upto 6 years from the date of default.

 

If you do decide to go down the F+F route and then they do agree to remove it - Please do let me know... Id like to know if they treat people as unequals...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I got a pay day loan with Moneyshop in 2016, they have never marked me with a default just missed payments.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I got a pay day loan with Moneyshop in 2016, they have never marked me with a default just missed payments.

 

Did you default though DX? Or did you manage to catch up arrears and allow them to mark it as settled?

BTW if you didnt and it went into default - Did you get the notice of assignment from the Almighty BW Legal?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I got a pay day loan with Moneyshop in 2016, they have never marked me with a default just missed payments.

 

Yes that’s what they’ve done with me. So realistically the best thing I can do here is just pay the whole debt off rather than offering settlements if I want it to look good?

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paying it will not remove the late payment status

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

no im stating that even if you pay it, it will not remove the late payment status in the debt summary.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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