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About romeshw

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  1. Unfortunately, the Eibach Pro spring will cost about £200 with labour. Apart from that, I'm concerned that the MOT was just never done and his mate just signed a certificate without testing the car. If that were the case, there could be lots more wrong with the car.
  2. There are a few issues here, but I'll try explain it all. I recently purchased a 2003 Toyota Celica from a private seller. When viewing the car I said I was concerned that the MOT expired soon, so when I made an offer, I made it conditional on passing a new MOT. The seller had this done last week, and I took possession of the car on Friday (23/07). Earlier this week, I noticed a knocking noise occasionally coming from the car when going over speedbumps and have now had the car checked out at the local garage. The mechanic tells me that the near-side front spring is broken and
  3. Nope, no loan or overdraft. But that's why I found it curious that Nationwide reported to CRAs when I have a (small) credit balance with them and no borrowing facility.
  4. I wasn't so sure about this as my HSBC account has never reported to CRA's.
  5. I'm pretty sure this only applies if you have a Visa debit card rather than a standard debit card (Maestro I believe). I'll double-check when I get home, if I'm wrong I'll let you know.
  6. From what I can see this would cost £9.95 as a card issue fee and £4.95 per month thereafter, is that true? Seems quite expensive.
  7. Name: Nationwide Flex Account Type: Current Account Cost: None Agencies Reporting to: - Call credit - Yes - Equifax - Yes - Experian - Unknown Notes: Easy to open current account. Debit card doesn't incur fees on foreign withdrawals.
  8. I'm looking for credit accounts that can be easily opened and maintained and will report to credit reference agencies and therefore improve your credit score. It would be important that they don't cost a lot to maintain as well. Current accounts, store accounts etc. The only one I've found is....
  9. Very inconvenient, unfortunately. I think the main number across the front would be the same, but the issue number and security code on the back would change so experian (or anyone else) wouldn't be able to put any transactions through on the old card.
  10. If they aren't using Direct Debit then it would have to be by repeated stored debit card (ie Maestro) details. Apart from trying to recover previous money, if you want the payments to stop, cancel that card.
  11. Key question here is whether the debt defaulted. In your first example that sounds like what happened and it will come off your credit files 6 years after the date of the first default. In your second example, however, it sounds like maybe you just fell behind in your payments? If so, then it's slightly different: 1) If you've kept the account open, then it will be 6 years from the last of the late payments 2) If you closed the account, then it's 6 years from when you closed the account!! If this applies to you and the account is still open, do not close it or you'll have to
  12. Hmm, that's interesting, so maybe by writing to the companies involved we might be able to get some of this old history removed, especially if its over 6 years old. Might be worth a try!
  13. The quote from Equifax, although vague, does account for our understanding. If you default, it's 6 years from then. If you don't default, have some late payments, but then close, it's 6 months from the closure date. It's better therefore that if you get late with payments to either default completely or close the account as soon as possible.
  14. Very similar to the message I got. Several expletives best described my reaction to that! And it is completely unfair, they are punishing you (and me) more than someone who just defaulted on their account! I fell behind on a few mobile phone payments, but because I didn't know how the system worked, I switched companies a few years later and am now stuck with that bad credit history for a lot longer than 6 years! Is there no law or regulations that governs any of this?
  15. I think the confusion here is regarding whether an account defaulted or not. 1) If the account defaults, the history stays on your credit file 6 years from that date 2) If you fall behind on payments but do not reach default status, then go on to close or settle your account, that history stays on for six years from the closure date. Further example of point 2: -You fall behind on an account in 2002, then catch up with payments. -You then close the account in 2004. -The bad history relating to 2002 stays on your account until 2010! As stupid as it seems, that is what I
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