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About WhatALife

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  1. I've been using Credit Expert on and off for years now and received the same respsonse when I queried the insurance as I didn't want it. Personally, I don't think anyone should have to pay to view info on themselves.
  2. Does this mean if I arrange to pay £1 per month token payments with the creditor on an account that is not yet in Default then they cannot register a default as long as I don't miss a payment?
  3. Hi and thanks for the quick reply. I forgot to mention that the account was in dispute for various reasons although I've heard that being in dispute doesn't really matter anymore. The default would have dropped off in a few weeks (it's been almost 6 years since it was registered). If a new creditor adds a default in their own name will the default date be same as the original date or will it be the date of the new default and on file for another 6 years?
  4. I check my credit file two to three times a year. Last time I checked was in August and had 3 defaults as expected. I checked again today and one of the defaults (unsecured personal loan for just over £16000) was marked as settled in October 2013 - I have had no communication regarding the debt since January 2013 and was making token payments up till November 2012 but had to stop due to my finances getting worse and having to deal with priority debts. I left that address in October 2013 and my mail has been getting redirected to a relatives address. I checked Experian, Equifax &
  5. Just a quick update, T-Mobile have finally responded regarding this issue and I now have a final bill and PAC code on it's way. They deny receiving any letter from me (I have proof they signed for the letters), but hopefully this will be the end of it. Thank you all for the advice, I really appreciate it.
  6. I received one of these in my spam folder this evening but googled it and decided it was probably best not to open it. It got deleted unread.
  7. Hi the contract permits termination with some fees. I have copied this from the Terms & Conditions that came with the contract: "Terminating this Agreement. You can phone or write to us and give 30 days notice to terminate this entire Agreement with effect from the end of (or after) the Minimum Term. You may have to pay a Cancellation Charge, totalling the rest of the Monthly Charges for the remainder of the Minimum Term, less 4%. (See points 7.2 and 7.3 of these terms and conditions.)" The contract was for 18 months minimum term and I was with them for close to 27 months so
  8. Hi, I sent an email to the CEO on 9th November but haven't received any reply. I also sent a letter to them by Recorded Delivery which was signed for on 12th November but have yet to receive a response. All but one of the letters I sent were Recorded and signed for by them but none were ever replied to. I've wrote another letter and have wrote a formal complaint which I'll post to them by Recorded Delivery on Monday. I also sent another email to the CEO today.
  9. I'm looking for some advice regarding an issue I'm having with T Mobile. I had a contract for nearly two years (mobile phone & mobile internet). I wrote to T-Mobile in July 2013 asking to cancel my contract, forward me a final bill and give me the PUK code so I can transfer my number. About a week after I sent them a letter to cancel I cancelled the direct debit. The only response regarding the account was in August when I received a letter from a Debt Collection Agency trying to claim a lot more than what the final bill should have been. In August 2013 I wrote another letter to
  10. I have an update regarding this... Now checked all CRA files, nothing from Lewis Group on them. Received two letters this morning dated early July, turns out postie put them through neighbours door and neighbour been in the hospital for some time now so just received them this morning. They are trying to chase an eBay debt of £82. I've been making a token payment straight in to my eBay account every month so don't know why Lewis Group have taken a sudden interest. I've no intention of dealing with DCA's and only pay direct to the creditor. I'm now considering making a
  11. I've just checked my credit report with Callcredit and Equifax and both look ok, nothing from Lewis Group on them, I've ordered a report with Experian and should have it in a few days.
  12. Hi and thanks for the replies, I've just ordered my credit reports so will check them as soon as I have them. I've never had any catalogue debts but do have a loan with Halifax which is in dispute but I've not heard anything of this since last year from Halifax.
  13. About a year ago I came home to find a card from a doorstep collector collecting on behalf of Lewis Group, I sent of a letter withdrawing any implied right of access to my property, I never heard any more from them after that until today when I came home (I've been working away from home since January so been away since then) and found another card from a doorstep collector on behalf of Lewis Group. This card had something about a Pre Enforcement Visit on it, and had the same name and number as the doorstep collector on the other card. There was no date or time on the card
  14. I don't know if I'm posting in the correct forum or not but here goes... Last week there was an unauthorized debit card payment taken from my account from an online software company I used to receive a service from, I cancelled my account with them a long time ago but for some reason they took a payment from my account with no notice. I emailed the software company to ask them what this is all about and was told the money would be refunded but as of today I'm still waiting. On the day the payment was taken the monthly payment for my car insurance was due, I always make sure there's e
  15. I'm looking for some advice regarding a problem I'm having with rent and council tax. The house I live in is owned by a relative and I've been living there rent free for several years now as I've had problems and that was the agreement we had but it was only meant to be temporary, the owner of the house has now come into financial problems of their own so are now looking to rent the house out. I'm self employed but my income is poor (was good when the business first started out but last 3 year everything has gone down hill). I am in the process of looking for full time work so I can
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