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About hme.4x4

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  1. They do. If you look very carefully DCA is mentioned. They searhced my files too and when I complained to Equifax the just weren't interested because it was a Table 2 search which doesn't affect you credit rating. It was an Unclassified search so Equifax don't even know the reason for the search. It drives me mad that a company I've never heard of in my life can do this without any consent given. Who are they? Why is there no info anywhere about them????
  2. I have been inundated over the last week with 'robotic' phone cals from CSL (02087634575). The metallic voice says this is a message for Ms XXXXXX then instructs you to call CSL urgently quoting reference number XXXXXXX. I ignored them originally but they were becoming so annoying I called to complain. They kept me hanging on for 10 minutes then when I got through to an agent I told her I was receiving these calls for someone who does not live at my address and I wanted them to remove my number from their database. She checked the phone number and said 'so are you not Ms XXXXXX? an
  3. Same thing has happened to me. I sold an item on Ebay yesterday for £175 and the buyer paid instantly. Got an email from Paypal as follows; OK to send Payment Status: CompletedThe money from the payment you received is being held temporarily for up to 21 days. During this time the money will show as pending and you won't be able to access it. Your funds will be released after 21 days, providing your buyer hasn't reported any problems. We may be able to release the money sooner if we can confirm that the item was delivered or, if this is an eBay item, your buyer leaves you pos
  4. Martin said that the FSA issued guidance on hostile responses to reclaiming charges, I have trawled through their website and can't find reference to it anywhere. Can someone point me in the right direction please? I'm about to write to Vanquis and like to know what I am talking about when quoting things!
  5. Thank you for the replies. I agree their response is hostile, hiking up interest rates AND introducing an annual £25 fee for just having the account, or requiring payment in full and closing the account and I still don't know what they intend to do with the £168 refund. Should I write to them (don't want to call) informing them that this is a hostile response to my claim and report them to the FOS?? I have received another letter because I claimed PPI which Vanquis call repayment option plan which I cancelled a few months ago. I understand that you are unhappy as you feel the
  6. I hate it too, it was fine the way it was. Pleeease make it the way it was before, it was so much more user friendly.
  7. Exactly Alf! I was wondering myself what would happen to that. As I say, I wanted it paid off my balance but the two options really have me baffled. Neither sound like what I want to do.
  8. I claimed my default charges from my Vanquis Credit Card and have received an offer of £168. I wanted this refund to be applied to my credit card balance but the letter they have sent says I have 2 Options. Option 1 We will vary your account to ensure that in future you do not incur the following fees: Late payment Charge Over Limit Charge Return Payment Charge Returned Credit Card Cheque Charge Tracing Charge As part of the variation to your account, your annual cash interest rate will be 59% and your annual purchase interest rate will be 54.9%. Your account will also be su
  9. I tried posting this question earlier and have absolutely no idea why it came up with a blank page, sorry I have a current account with Natwest and so does my husband, both accounts are in good standing. We needed to open a joint account for bills etc and went to the branch to apply. I came home on Friday to a message on the answer machine from the Bank Manager. He said ' your application for a joint account has come back only offering a basic account, this is a result of our credit report checks, perhaps you might want to check your credit report and call me back, I am on holi
  10. Agreed dx, they are 'speaking in tongues' is there anyone who has come up against this 'excuse' before???
  11. I am trying to get two Linked Addresses removed from my Experian credit report, one I have not lived at for 10 years and the other for eight years. I cannot for the life of me understand what they are on about.... This refers to the 10 year old address; they have asked me to add this old address to my profile????? I note you have not resided at this address for some time. You have, however, lived there as you registered yourself on the Electoral Roll at this address. Whilst you were there you closed one of your accounts. As it was no longer active, the details of this account were
  12. I am having a similar dispute with Experian about this. They have addresses on my file I have not lived at for 10 years. I got this response; A linked address entry may appear more than once if there is more than one address in your CreditExpert profile. Although you may see the same linked address entry several times when you check your report, there is only one entry on our records. These entries are retrieved when we search your current address and again when we search each previous address. So please don't worry. Although you can see the same link more than once, when lenders look a
  13. The default has been recorded on my file for 6 years this month, although it is not statute barred, so it is due to expire. I have had the account in dispute for more than two years and that's when I stopped paying. I don't see how Mackenzie Hall can update on an expired default??
  14. Thanks guys, I've been reading about them on here and they seem to be the bottom of the feeding chain. They are searching the CRA's on my previous married name and on my old address. I'm thinking of complaining to Equifax as this bunch are searching without my knowledge or permission, and Wescot have sold them an account in dispute ..... Am I right in thinking that as Wescot's default will fall of my credit report at the end of the month that Mucky Hall can't register another one for the same debt?
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