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shedder101

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About shedder101

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  1. Thanks for that, in my letter to them i did say do not call me but they ignored that. I will do that SAR and a separate letter again.
  2. Hello, I have written before on this forum concerning my mental illness and the debt, successfully writing off debt from MBNA. I had a mental breakdown in 2005 and a relapse in 2015 when I fell again into a deep depression. For people who do not suffer with mental health issues, it is hard to explain how things effect you. It’s not I am another person but, I can appear changed and not myself. When I am suffering these episodes my moral compass, well it isn’t there I basically am an ar*e I care not a jot and do things I know can be destructive. I have had great help from social se
  3. it shows as Tesco debt on both clearscore and Noodle on clearscore its on the closed section on noodle it shows as default from 2016 to july 2018 each month they show it
  4. i thought it best to show the only letter i have had fred 1014.pdf
  5. I have been through all the letters sent to me from Tesco, and I can’t find an annual statement but, my monthly statements were on line so I assume the statements might be. I cannot get access on line and haven’t been able too since they sent me the default letter, late 2016 then every month I had another default letter and an you are in arrears letter as well. I then sent a letter disputing the amount of the debt in March 2017 because late fees were added. I explained in a letter my problems, but heard nothing from them for 4 months, when a letter from the complaints department uph
  6. many thanks for the information i will keep my eye out for more paperwork
  7. yes all fredrickson i will keep ignoring them as having read on the site they have no more powers than Harry Potter. but i will keep my eye out should the take it to court
  8. LOL as my wife says I am hopeless. I stopped the min payment on Aug 2016 I was paying an amount less than the min, this continued showing on the credit report as up to 5 months late before it went into default in feb 2016. Since then as I said what happened in the previous post, I have not received any statement from Tesco, when on my Noddle credit report the account shows as open and a default every month, balance fig stays the same, and on clear score it says its closed. But I have looked through the file the last correspondence from Tesco was in Jan 2017
  9. I am sorry i have just seen an error on the original post it should say 2015 not 2005 that’s my mistake. in 2013 i took out the cards and kept everything in order up to my breakdown, and until 2016 august payment was less than they required. This was mostly due to the balance transfer offer coming to an end. I started corresponding with them around March 2017 this was after some time being on my medication. I had correspondence of them but i never had to my knowledge a statement of payments. I can’t remember when it was passed to Fredrickson but I continued to write to Tesco up un
  10. indeed i was so releved when MBNA did that. i have writen to Tesco several times with no responce at all. on my credit report from Noddle it shows from tesco a default every month since sep 2016 even this month, clear score shows it as closed from feb 2017 but a ballance owing. i get quite confused trying to understand them
  11. I don’t know if this will be of interest, hopefully for people in the same circumstances it will be. The history of this is a little personal but I feel it needs to be said. In 2005 I had a breakdown, I had a MBNA credit card with £7000 credit limit when I went on a spending spree and in the interim I applied and got another MBNA card with £6500 limit. During the time of my illness I ran both cards up to the max and I was struggling to make the min payments as I also had several other cards at the time. got these cards by simply applying for balance transfers they were throwin
  12. I don’t know if this will be of interest, hopefully for people in the same circumstances it will be. The history of this is a little personal but I feel it needs to be said. In 2005 I had a breakdown, I had a MBNA credit card with £7000 credit limit when I went on a spending spree and in the interim I applied and got another MBNA card with £6500 limit. During the time of my illness I ran both cards up to the max and I was struggling to make the min payments as I also had several other cards at the time. got these cards by simply applying for balance transfers they were throwin
  13. i have been reading this thread as i do on most of the site, i find it so interesting and helpful. your quote regarding paypal debt, is or are paypal not subject to the same laws and the DCA they use or as they are in luxembourg subject to eu laws ? i want to know why paypal is different
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