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psman

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About psman

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  1. They called me today. They say that they are going to delete the record from my credit file. I don't know whether leaving this in the hands of their Credit File Team would have resulted in the same outcome, but it certainly was the office of the CEO that got in touch with me after I emailed him directly. They have also said to me that they are going to reimburse me for the year they were charging me for that account that I hadn't been used and that they are going to ensure the default is wiped out in 7 days rather than the several weeks that I was told originally this would take. I feel like I
  2. Call Credit. I've been very very unlucky. Most lenders, I believe, don't use their services. But now even if I use a lender that uses a different credit rating company I would need to own up to the fact of having had one mortgage application turned down and explain why. I know, it's peculiar it doesn't show in the others. Although I am not going to complain about that!!! My understanding is that they all work in slightly different ways, so I guess it's just that.
  3. Only it does.... My credit score with two of the credit rating companies is excellent. Only the one where this default is noted is affected and the score on that one at the moment is "extremely low". Fair enough, that's before it was settled, but still. I hear that the way the score is computed takes into account primarily the existence of the default not the amount or whether it was settled. Because the lender I went to used this particular credit agency I got the mortgage application turned down. They argue it was primarily turned down on the basis of this default. My mortgage broker ad
  4. Just 30 quid, which I already paid them.
  5. Hi all, I posted this in the a debt subforum but notice now it's primarily address here. I recently discovered, after I had a mortgage application rejected, an unsettled debt of 30£ with )2. In 2006, my cell phone on a monthly plan with O2 broke down. I was long due an upgrade, my first ever, so I went to a shop to get a new mobile. I got one. It transpires now that at that time a new account was opened while the old one was not closed. That, clearly, was not my intention nor was that situation clearly communicated to me. At around that time, I moved from the address linked to t
  6. Hi all, I recently discovered, after I had a mortgage application rejected, an unsettled debt of 30£ with a mobile phone company. In 2006, my cell phone on a monthly plan with O2 broke down. I was long due an upgrade, my first ever, so I went to a shop to get a new mobile. I got one. It transpires now that at that time a new account was opened while the old one was not closed. That, clearly, was not my intention nor was that situation clearly communicated to me. At around that time, I moved from the address linked to the old account after breaking up with my former fiancé. A little o
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