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saints12

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  1. Hi I had a similar issue with Lloyds and as your paying a reduced monthly payment despite it being agreed with Lloyds and you they will show this on your credit file. I guess they are putting "6" on the file. Sorry they won't budge on this until normal payments resume
  2. I'm trying to get rid off the [email protected]@dy Lloyds and they are an nightmare to deal with....... I offered to pay 87% of an old creditcard which they re-opened recently, anyway the sent a letter accepting my offer but would "mark" partial settlement on my credit file nothing like a gun to my head eh !!!!!
  3. Yeah to be honest I'm in a postion to pay all the balance. Also I made the offer not Lloyds as I'm paying off all my debt this year. The stubling block is the partial settlement on my credit file I don't like. Thanks
  4. Hi I'm roughly paying back 87% but taking into account the interest thay have charged over the years............. Also the letter does state full and final payment........ Thanks for your replies
  5. Hi....Trying to pay off an old LloydsTSB creditcard..... I have offered them a reduced payment and have received a letter accepting my offer as full and final payment but they will update my credit file showing "partially settled" so my question to all is will this affect my credit rating in the future and how will future lenders look at this on my file. Thanks in advance
  6. Hi....Trying to pay off an old Lloydstsb creditcard..... I have offered them a reduced payment and have received a letter accepting my offer as full and final payment but they will update my credit file showing "partially settled" so my question to all is will this affect my credit rating in the future and how will future lenders look at this on my file. Thanks in advance
  7. Yes I have a couple of letter stating that they would need more time but all letter were within the 40 day period. The last letter I got said they would have a full response before aug 16th and thatb was the deadline ...still waiting
  8. Hiya I did write to both credit agencies but Monument told them that the information was correct.....end of story. My argument is that they can't or won't provide me with a copy of the alleged default and my CCA. They have clearly have commited an offence under the CCA in which they must provide a copy of my CCA within 40 days is this correct or not ?
  9. Hiya all......Sorry I didn't update this thread earlier as I have just moved house etc.....anyway I wrote to the ICO but they couldn't help me as this was a matter for the trading standards? . I still didn't recieve anything from Monument and am now going to sent a SAR request as they didn't comply with my request or should I write to trading standards as monument have clearly commited an offence with refards to my request for a CCA?
  10. Just a little update on my progress. Spoke to Monument again regarding my CCA request and still no further so I have sent off a letter to the ICO will all the relevant paperwork so hopefully get a response from them soon....
  11. Hi....I don't owe any mony to them all I want is the default removed......
  12. Thanks for that Curlyben.....I guess it would be the local Trading standards to Monument?
  13. Hi....I requested a copy of my CCA and default letter that was placed on my credit file this was sent on the 11th June and I got a reply on the 18th June stating that they would respond by the 10th July. I then got another letter on the 9th July telling me that they were stilling looking into my complaint and would respond by the 7th Aug but I'm still waiting on a reply. What are the time scales for such requests ?
  14. Hi..sorry should have advised that theres no debt as I had paid this off in April 07 but now trying to remove the default.
  15. Its was posted on the 11th June recorded and was signed for on the 12th June.
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