Jump to content

thedon4

Registered Users

Change your profile picture
  • Content Count

    10
  • Joined

  • Last visited

Community Reputation

1 Neutral

About thedon4

  • Rank
    Basic Account Holder
  1. Hi for the past year I have been putting money into a basic account of mine, no overdraft facility allowed. Money was put aside for a holiday and friends weddings this year. I didn't know the exact amount in there but I knew it was a fair amount. I made a few card transactions online, buying wedding presents etc, Few days later checked my online account to see my available balance. Noted it was £410, I therefore decided to pay off the rest of my holiday for £350. Few days later go online again and to my shock my account is £275 overdrawn!!! I have a basic bank
  2. have no PPI but no I haven't tried the penalty charges.. but I am pretty good and make sure I pay each month even if I am scrapping the pennies together, hence the PDL
  3. what is an AP marker ?? outstanding I currently have QQ- £1125 (with interest) Wonga - £580 (with interest) Credit Card 1 - £3400 CC 2 - £1500 CC 3 - £1000 CC 4 - £600 overdraft from a student account I know longer use (just pay the interest each month) - £700 didn't realise how scary it is until I've just wrote it all down !! it's got to the point where I am able to pay back each month and I don't default but I'm making no dent in any of my credit cards. one lump monthly payment would be so much easier and would give me a finish date.. but obviously I can't get a pers
  4. No I wasn't lookin to pay a DMP company, I was exploring the avenue of contacting step Change or payplan... My debts haven't defaulted yet so just wondered how badly my credit rating would e affected if step change took them over Thanks
  5. Hi I just wondered how badly a DMP would affect your credit rating?? Would all creditors be flagged as "defaulted" on credit file if take over by a DMP?? Thanks
  6. Hi I appreciate there are loads of threads regarding QQ pre default payment plan, but couldn't quite find the exact answer I was looking for. QQ have said I am eligible for a pre default pay,met plan but to contact them 5 days before my due date. There service and offer can't be faulted, however I just wondered whether this type of payment plan affects your credit rating? And appears on your credit file as defaulting payments or late payments?? Also, how badly would a DMP affect your credit rating?? Thanks for any advice
  7. i had an accident THREE AND A HALF YEARS AGO, on a petrol forecourt, (i was at fault) so you can imagine it was a minor accident and certainly was not serious anough to "violently throw the claimant around the car" (i had to laugh when i read this). but knowing how the personal injury claim works i wasnt too bothered as i was fully insured and presumed he would claim from my insurers and get a nice payout anyway, even tho i did provide a conflicting statement to the solicitors acting on my insurers behalf. i met with my insurers solicitors in the beginning of 2008, (accident being 28th No
  8. hi zena thanks for your reply. it is so frustrating isnt it! im glad you got all yours sorted. its not as if its something you can just brush under the carpet, a CCJ can effect you massively. and as im still young and havent even started to apply for credit in terms of a mortgage yet a CCJ would not look good on my record!! so you have had no dealings with this matter since and ur insurers sorted it all out? to be fair my insurers were great when i called this morning. they said they hadnt heard anything for 2 years since they refused to pay out for personal injury claims so clo
  9. hi i had an accident THREE AND A HALF YEARS AGO, on a petrol forecourt, (i was at fault) so you can imagine it was a minor accident and certainly was not serious anough to "violently throw the claimant around the car" (i had to laugh when i read this). but knowing how the personal injury claim works i wasnt too bothered as i was fully insured and presumed he would claim from my insurers and get a nice payout anyway, even tho i did provide a conflicting statement to the solicitors acting on my insurers behalf. i met with my insurers solicitors in the beginning of 2008, (accident being
  10. hi i hope people are still reading this thread. sweet, what was the final outcome once you sent court docs to your insurers?? i had an accident THREE AND A HALF YEARS AGO, on a petrol forecourt, (i was at fault) so you can imagine it was a minor accident and certainly was not serious anough to "violently throw the claimant around the car" (i had to laugh when i read this). but knowing how the personal injury claim works i wasnt too bothered as i was fully insured and presumed he would claim from my insurers and get a nice payout anyway, even tho i did provide a conflicting state
×
×
  • Create New...