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dera2005

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Everything posted by dera2005

  1. Thanks for that - i called them earlier and i dont think they know what they are doing I spoke to customer services and told the girl what i wanted to take an additional line but have it on one bill and she said i need to speak to sales before i had a chance to say anything she'd pushed me though to the sales team. Who answered the phone in seconds. When i explianed to sales what i wanted they said that customer services need to do that since its just additonal phone on the account that is required - advised he would pass me back to customer services for them to deal. But he infact passe
  2. Hello All, Just a quick question I have been a orange customer for a few years with no problems and was wanting to take out an additional phone but have it on the one bill. I was wondering if i would need to be credit checked for this or if orange just use past internal history or scoring. anyone know ? Dera.
  3. cheers for that andie 303 I have also had a quick look around and it would seem that you have to top up at least monthly to get any kind of perk. I guess thats just the way it is.
  4. Hello All, I am wondering if anyone what the best pay as you go tarrifs are out there. I am currently with Orange and pay £10 a month on the phone to benifit from their magic numbers scheme. Basically what magic numbers allows you to do is speak to someone for upto 1 hour but no more than 3 hours a day for 20 pence. But to get it you need to top up at least £10 a month to keep them active I was wondering if there was anything that was maybe better value than that or where you can chat at a discount for the life of your balance. Anyone with any ideas please let me know.
  5. also who placed the default orange or the DCA - is it listed as Orange or is it in the name of the DCA ?
  6. Ms Unknown, It would seem the account was short settled meaning that you paid the DCA a reduced figure so this would show on your credit file as a Partial settlement or full and final settlement meaning what you paid would not clear the outstanding balance in full. As a result of this partial settlement orange have to by law report this meaning a default would automatically be added since the full balance was not paid. Might be an idea to launch an online dispute with Equifax and get them to investigate it on your behalf if orange do not reply to Equifax's request within 21 days the
  7. Thanks Buzby, I will wait to see what happens with the file. I might need some help on writing letters and stuff technical wording etc. Let me know if thats ok if not i understand its ok
  8. Pelham9 Thank you for that information, I was a bit confussed about the default so spoke to experian who advised the default will fall off from 6 years of when it was placed whether the balance is still outstanding or not. Not sure whos correct can anyone else clarify this please. ? Just wanted to say thanks to Buzby and your self for all your information and help on this. Many thanks
  9. Buzby, Thanks for all your help on this. I would like to fight it more but to be honest its getting me down, All I want is the file to be updated to a 0.00 balance and if they do decied to default the account to default it with the correct date. I am just angry since if i had known the debt was outstanding i would of paid it years ago, The only reason i found out that it was outstanding was because I applied for a copy of my credit file and found that its on there so i paid it stright away. I just hope they can see some compassion and goodwill and just leave it as is and just
  10. Buzby, Thanks for that I was just wondering its obvious that orange had written this debt off. I have had this confirmed today. What i am wondering now is now that I have paid the outstanding balance are orange allowed to go back and place a default the account even though the had amount had been written off ?.
  11. Buzby, Thanks for the update I guess I just wait and see what they do when the update the credit record entry. What are the chances of them terminating my current contract now that this has come to light with the old account since technically i shouldnt of been granted a new line since their was an outstanding amount on the previous account even though i didnt know about it until now ? Can they terminate it. I will fight it if they try and do that since I can say look i didnt know i had an outstanding balance on the old account until I checked my file and paid you the day that I fou
  12. So my question is are they likely to delete all the incorrect data and show the account to be in arrears for over 5 years and place the default on from 2002 of which would make the default disappear anyway given its age or just mark it with an S and place no default on the account or delete the entry entirely. ? Bit Confused.
  13. Buzby, Thanks for your reply surely when the account was terminated back in 2002 they should of stopped processing my data. All I want if they do default the account is for them to put the correct date of which i believe to be 2002. Since to this day its showing as up to date but with an outstanding balance of which i paid now last month, But was told it will be updated within 30 days, Meaning that the balance should now read 0.00 and marked with an S
  14. Hello All, I have a slight problem and fear I may of opened a can of worms. This is a bit of a long one so please bear with me. I had an account with orange back in 1999 of which ran smoothly up until 2002 or there abouts where I got into to some difficulty paying the bill. It happened back in the day where i used to use my old Orange Nokia phone as a modem and used as a dialup modem calls to 0800 numbers were free back then on orange. One month i got a bill for just over £200 that I felt was incorrect only to find that they had started charging for 0800 data calls. I c
  15. Hello, Does anyone know which CRA Virgin Money use to do a credit check on a new application ? Rgds Dera.
  16. Best thing i can suggest is give equifax a ring and log a dispute or log one online and if data is incorrect equifax will remove the data. What type of search did they do?
  17. Hey i know weird huh just out of interest did they search on more than one address?
  18. Spoke to Equifax and they are launching a dispute so I will keep everyone updated with progress.
  19. Sorry to be a pain peeps any help would be great since i am walking on egg shells right now and feel really sick. Dont know why just guess im down cos i was finnally getting somewhere and these beasts have messed it all up. I really could do with guidance of how to proceed.
  20. Fuzzy sorry to hijack your post but I have a simular sitaution where as my orange phone was disconnected back in 2004 october due to a payment dispute and was sent to a DCA. My credit file to this day still shows the account as being active and upto date but still will an outstanding balance. What i need to know is since this was nearly 5 years ago if I call them to pay it can they default the account to present or would they enter the default date to register back in 2004 ? Also bizarely there is no bad history for the account either. Any advice wouild be good since i do want
  21. Well done Chris - Took me 4 months to get my money back also but i got it back and like you I wont be doing business with Dell again.
  22. Hello All, Please Help.... Not sure if i have posted this in the right place if not please feel free to move my post. I got an alert via email today advising me of a change to my credit file. Upon checking to my horror I found that a company called Marlin Financial Services and have done 8 searches in table 1 of my credit report and a search type of outstanding debt. I didnt consent to these searches and have had no coripondance or phone calls from this company. All my accounts are under control and I had two defaults that are due to fall off at the end of this year
  23. Thanks for your reply 90DC now im worried i have opened a can of worms do you think since they said no to my overdraft request they may request me to surrender my Credit Card, or do Credit Cards come under a different lending criteria ? Many Thanks dera
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