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joemay

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Posts posted by joemay

  1. I had an equifax account and need to call them tomorrow to get log in details as I cant get into it... so shall check mine when I can.

     

    Does anyone have any definition of what the numbers actually mean.... ? I gather higher the better but what are the risk areas if you like associated with the number... e.g. 0-499 = dont touch. 500 - 999 = deserves second chance etc etc etc

     

    VERY POOR 0-560

    POOR 561-720

    FAIR 721-880

    GOOD 881-960

    EXCELLENT 961-999

     

    Thats the rating explained in experian. I am rated as fair but couldn't open a current account, have 1 default, so to be honest I think getting these credit scores are a complete waste of money and I believe the banks have there own way of scoring.

  2. i think you will find that the signed application form often gives the right to share data

     

    IMO most of us on here got into trouble BEFORE we started looking for solutions. for my own part i am realistic in my expectations of a satisfactory outcome and for me that doesn;t include getting out of the situation i am in AND having a clear record to be able to get into the **** again

     

    thats me- others i accept may have a different view

     

    Not all applications - some only state sharing if they discover fraud of the application and if there is insurance applied for. They do not state on how your account is handled;). Therefore if there is only an application form without prescribed terms and the sharing on your account handling they surely can not process.

  3. I am interested to know how you would go about reporting a Bank for failing to keep documents.

    Will HM Treasury deal with an individual complaint?

    I need to report HSBC, and don't want to waste time with the FOS and ICO, as I think they are both useless at best :grin:

     

    Sorry about barging in on your thread joemay, but I presume you are after reporting a financial body too ?

     

    Yes lee32uk, it would be useful to know who you would forward a complaint to, as the ICO told me only 6 years required:x

     

    Your not barging in lee, the more we learn the better for us all;-)

  4. Can someone point me in the direction of where it states banks have to keep all your data upto 6 years after close of account.

     

    What does this data cover, is it just agreements or does it cover everything, statement, tel com records etc.

     

    I have looked on the Information Commissioners website and it just state financial institutions have to keep 6 years but doesn't state after close of account.

     

    Actually spoke to someone at ICO who informed me that banks only need to keep 6 years, I commented "that's 6 years after close of account" his response "no I don't think so, just 6 years". Aaahh - like trying to get blood out of a stone whenever you speak to any of the so called governing bodies.

     

    Anyway, if someone could clarify this I'd be grateful:)

  5. One of the tricks is partial or short settlement then they sell the rest on,

    they never to seem to agree to full & final

    - this is one of the reasons experienced caggers always recommend that you get in writing

    that its full & final settlement

    and that CRAs are shown as F&F.

     

     

    Short settlement unfortunately doesn't mean Full & Final.

  6. Hi vialli69,

     

    I hope you are well.

     

    Firstly I don't think you will have all your debts written off due to illness, you think they would consider it, but not sure if they do. OH's health worker wrote a letter which was sent to all creditor's but no offer of write offs i'm afraid. They should however take into account your mental state of health when dealing with your case, but again this isn't guaranteed.

     

    My advise to you would be go down the CCA route; are they in the prescribed terms. Once you receive the CCA's scan to your relevant threads and let the experts on here have a look. If they're not compliant you will get great advise and support to fight them.

     

    Now about you:

    Do you have a health worker who is supporting you? If not get one, speak to your consultant.

    Regarding your financial situation, I've looked at your other thread which states your are receiving JSA. Are you receiving all the benefits you are entitled to. Are you receiving DLA - disability and careers allowance- your health worker will help you with this.

     

    vialli69, you maybe able to get your debts declared unenforceable if the CCAs aren't compliant. But if they are compliant they can't take anymore than you have. If they take you to court a judge would probably only allow £1 pcm to your creditors considering that you are on benefits.

     

    Take care of yourself and don't forget get the CCA request off and get them checked out on here.

     

    All the best

    Joemay

  7. Quote:

    Originally Posted by alfwithhair viewpost.gif

    Would it make a difference if it was the other way round. ie They would not come to an agreement until after they had terminated the account?

     

    Originally Posted by alfwithhair viewpost.gif

    Would it make a difference if it was the other way round. ie They would not come to an agreement until after they had terminated the account?

     

     

     

    I have no idea what their reasons were, but have it in writing that they would have to issue a default notice and terminate the account before a reduced payment arrangement acceptance could be constdered.

     

    So am wondering if by me making an arrangement with them to make token payments after they have terminated the account I have cocked up with regards to the unlawful recission angle

     

    Yes this seems to be common practice, was actually told this by the CAB.

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