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Everything posted by MARKIE66

  1. hi guys i had an issue with a dca about four years ago which was halted by a cca requested helpfully obtained from this site the debt has been sold on to several other dca,s, who although i can head them off with further cca requests, they keep registering the debt on my credit file is there anything i can do to prevent this happening in future? cheers Mark
  2. hi David this is the agreement and terms thanks for all your help markie
  3. fantastic you guys are really on the ball!!! cheers scott your a star, i'd have been there ages. markie
  4. thanks David found photobucket and have registered, will try and get it on tonight (depends if mother in law gets it over to me) thanks for helping just one thing though (i'm probably a bit thick) once it's on photobucket how do i post on cag, there does'nt seem to be a straight link, unlike facebook. cheers markie
  5. yes mate gonna get it scanned and emailed over, how do i post it? cut and paste? sorry fairly new to this, please bear with me. cheers markie
  6. hi 42man they did send the signed copy of the agreement, but no SAR request has been made, should that be the next step? is there anything that can be done if she didn't receive a default notice? many thanks mark
  7. hi what does thread moved mean? have i done something wrong? hello ell-enn, thanks for bearing with me, i've not used cag much. she's been paying the dca to this present date
  8. hi can anybody help my mother in law had an aa loan in 1991, defaulted in 1992 doesn't remember getting a default notice, debt subsequently passed to debt rec agency. cca request supplied by dra payed off 5,600 still owes 3,500 anyway out(orig loan 5000 apr 29.3%) cheers mark
  9. hi dx, been away for a couple of days,sorry i'm slow coming back. the default was quite a big one, at least it's dropping off soon,i'll wait and see what happens when it does. thanks for putting my mind at rest cheers mark
  10. hi dx, thanks for coming back to me, i was hoping you would. the 4 late payments in question were all sent before the payment due date but all arrived with the companies in question a day or two after the due date the real reason i would like to get them removed is that for several years now i have been striving to keep my nose clean, to amend the very poor status i had previously created. the only adverse data on my file until these late payment markers was a default, which due to the 6 year rule is due to come off this September, can you imagine how i felt when these appeared, especially as we thought we'd payed them on time. being self employed i need as clean a credit history as possible to get a mortgage and thought these might get in the way. thanks for reassuring me that they have little impact, that is a weight off my mind, i wondered if these companies have the ability to remove these markers, if so i could possibly bargain with them (would they rather i cleared the bill and shopped somewhere else (my wife i mean lol). any way thanks again for coming back to me and i'm sorry my first reply was so rude. mark
  11. hello dx, the fact that that we were naive in the first place is not the issue,i understand the clearing protocols now and they wont be a problem. i started this thread to try and resolve a situation that i felt was unfairly caused by these companies, especially when they regard me as such a good risk that they keep increasing my cl. i appreciate that you have been with cag a long time and have probably helped a lot of people, i'll resign myself to not being one of them. thanks for your input mark
  12. thanks for the sarcastic response it was unnecessary and pathetic, get a life!!!
  13. hi can anybody help me please, my wife manages a few catalogues in my name, but we noticed some late payment records registered with the credit reference agencies. after several phone calls, it became apparent that the payments were made on time,but due to bank clearing they were registered as late. is there any way i can get them removed as we feel we did nothing wrong and they are unjustified. cheers lots mark
  14. thanks for replying so quickly, will all the defaults they have registered every month drop off as well?, the last one was registered in july 09. cheers mark
  15. hi, i defaulted on a rolled up loan (made up of an amalgamation of overdraft original loan and a considerable amount of charges) just over 6 years ago, due to being stitched up by my business partner (ex best friend ). although i struggled i did try to pay off the debt but it was passed on to a debt recovery agency the problem i am looking for advice on is that the bank that i originally defaulted with (HSBC) has registered a default on my credit file every month for the last 6 years, and although last month no default was recorded, all the previous defaults are still on there. this is keeping my credit score low and is noted by CHECKMYFILE.COM as having a very detrimental effect. please help, i'm a good person really mark
  16. thanks, I know I'm probably trying it on but I could do with getting them removed now,are the CRA's allowed to hold information if it is harmful and without my permission (court judgements and bankruptcy's excluded )?.
  17. thanks for the info, i'll send the section 10 but I could really do with getting the defaults completely removed as this is causing financial difficulty for me and i feel that their presence is unjustified, any clues?
  18. hi, this is my first post so please bear with me!. 4 months ago I requested a copy of my original signed agreement for a bank loan from a debt recovery firm (Credit Security Ltd, formally the debt was with Moorcroft Debt recovery, originally HSBC). The total amount owing was £8920.00, I had been paying £20.00 per weekand had reduced the debt from £11050.00. As they couldn't provide me with the copy (it couldn't be found) I wrote them a letter (by recorded delivery) telling them I would no longer pay as the debt was uninforcable under the consumer credit act 1974. To date I have not had a reply. should I assume that I will hear no more about this matter or do I need a letter stating that the debt is written off?. Also the bank set a default with the credit reference agencies in sept 2003 and has logged a default every month since, is there any way that i can have the default removed?. thanks for reading, all help appreciated. Mark
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