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About PaulW922

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  1. Shawbrook is a bit of a 'challenger' bank but also provides quite a bit of consumer finance. I used then a couple of years ago when I bought replacement windows from Anglian. (Bizarrely paying upfront was more expensive that getting an interest free loan from Shawbrook). So it is quite possible that you may have had dealings with them, but without actually knowing the name of the bank?
  2. Hey Purple - Could I just remind you that First Direct and 1st Credit are not the same business? You mix the names up above and 1st Credit are the type of firm that would dispute you ever contact them if you put the wrong name on your letter.
  3. I guess you mean a CIFAS marking? That is a fraud marker (which will stop you getting a mortgage, yes) I cannot understand why you think you may have one though - getting declined for a credit card just means the bank didn't think they could make money out of you - thats all. If you said you were full time but are really part time the credit card company won't know unless they asked your employer which it very unlikely. (full time can be 16 hours + a week) If in doubt, check your file but I really think you are worrying about nothing
  4. PaulW922

    Staff Travel Loan

    What is the principal reason for not paying this loan back, aside from being in dispute over your job? Is it that you can't, or don't want to following your enforced departure?
  5. Actually it didn't. The customers affected had other cards in the same wallet and put them close to the readers when paying. Nobody in M&S had the data sucked out of their cards whilst walking through the store.
  6. I don't think they can take company money to pay personal debts as others have said - BUT even if the debt is statute barred, again as others say, that does not mean you do not OWE the money. SB means they cannot take legal action in court but I don't see why the right of offset would not still exist, if you put personal funds in the account. However - 1999/2000? I reckon they will have written it off and won't have any details on their records. Well, hopefully..
  7. Vanquis will probably accept you. I dont agree with the 'revolving pay day loan' comment I'm afraid. Firstly you can use the card and pay it off in full, like any any credit card and pay nothing. Secondly, the interest rates on Vanquis, whilst high are nowhere near those of Pay Day loans. The card will also report your conduct back to Experian and Equifax, which provided you pay it each month, is probably good for rebuilding a credit profile.
  8. Contactless cards only work when you put your card right next to the reader - I fail to see how a 'download' could be made as per this video.
  9. PaulW922

    Staff Travel Loan

    I don't think a default can be registered - not without a CCJ, but I am sure they can ask for the money back. My employer offers a similar scheme and if I were to leave, for whatever reason, I would expect to repay the loan in full. I haven't signed any credit agreement but the terms of the advance were made clear in our standing personnel guidance when I took it out. These loans are quite a good perk, especially if you work in London. My having an annual ticket that costs nearly £4k I save a lot on what I would otherwise pay for a monthly ticket.
  10. I don't think you MUST sign - on the other hand is there any harm? Well, there might be if the mortgage was sold to you on the basis that it would be ok as property price will just go up and up. If you took out the mortgage fully aware of the consequence it probably does not matter.
  11. PaulW922

    GE Money

    GE Money are just plain nasty - I reckon that there are a lot of people there who enjoy saying 'no' and making your life hell. I got money out of GE Money but it took years and it wasn't a huge amount (my loan pre-dated the FSA regulation of secure finance so I could not go to the FOS). Be ready for a battle.
  12. I would be careful here. BCW does not need to produce a single agreement. It is quite permissible to add the debts together. They would need to produce the three agreements and given the loans are not that old - Provident may well have loan agreements from 2008 - they may well do that. If they take you to the county court you can argue that they didn't contact you before, or send statements etc but that does not mean you will not have to pay in the end. Really, only you can decide what to do. You can hold off for now and see what happens, but I would suggest it would be a good idea to be prepared.
  13. Ande4 - just so you are prepared; all YCC agreements were HP rather than unsecured credit, and these account types were not regulated by the FOS until 2005. As you agreement was started before then, YCC can, and probably will, tell you to get lost, as they know you cannot take your complaint to the ombudsman. I am not saying that you should not try, but simply warning you not to get your hopes up.
  14. Without wishing to defend the bailiff in any way, the easiest solution for you might be to demonstrate that the debtor has gone and he is not you,,or the owner of any property there. I know it is tempting assert your rights, but equally it is wise to,pick your battles carefully.. Doubtless others will disagree!
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