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itsallover

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About itsallover

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  1. I have not sent them an SAR or CCA request. I am prepared to do either if it helps. Which is best to send first, or should I send both at the same time? Many thanks,
  2. Hello All, I posted some time ago about some potential debt issues and was advised to get my current credit report and then post in the corresponding forum for that debt. I have done that, and now I really need to know how to solve it. ANY help would be greatly appreciated! Basically, I have four things on my credit file which are defaulted and I need to get rid of one way or another. One of them is MBNA. Credit Card from MBNA - with Aktiv Kapital Current Balance £17xx Default/Delinquent Balance £22xx Default Date 11/2009 Opening Date 03/2007 I need to clear
  3. Hello All, I posted some time ago about some potential debt issues and was advised to get my current credit report and then post in the corresponding forum for that debt. I have done that, and now I really need to know how to solve it. ANY help would be greatly appreciated! Basically, I have four things on my credit file which are defaulted and I need to get rid of one way or another. Two of them are NatWest. First - NatWest Personal Unsecured Loan, Current Balance £8,xxx Default/Delinquent balance £11,xxx Opened 2008 Default Mid 2011 Date updated 12/2012
  4. I am going to get a CRA file organised today and take it from there. It does seem like this is a never ending path and there is literally no way to sort my credit history out. Im sure there is a way, it is just finding it
  5. I have not made a payment to the loan company (natwest) for a couple of years I think. I did have an agreement with the CCCS, which finished about 2 years ago because I lost my job. The credit card company is MBNA (£1780), which Acktiv Capital are now looking after, and the other for £440 is HFC Bank, and I am not sure who is looking after that now. I have not made a payment to any of them for about a year I think.
  6. Hello All, Not sure if this is the right forum or subforum, but I will ask away. Today was the day I began to sort through all my debts, I am in a steady job now and can make monthly payments properly and I wanted to get it sorted out. I called up Natwest who I have a £10,000 loan with from 2008, and they said that they have written off the debt in May 2013. What does this mean? Can anyone shed any light on it, or how it will affect my credit rating and whether it will ever be removed? I can't imagine that someone will just write off £10k. Also, I have a couple of o
  7. Thank you very much for your help so far, been a really good help
  8. Hello all, I am not really sure about this post but I will give it a go! I have not sought help on this matter before as I didn't even know this website existed. If there is anyone out there who could give me a little advice it would be great ! I have done some reading, but it would be great if some people could just explain a little about exactly what to do, and whether its worthwhile etc. I am in major debt, of around 15k-ish I think. Sadly my parents were never good with money and always had things on finance etc - (and paid all the time in full etc. but they had a good bus
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