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  1. As I said and I'm glad I'm wrong Orfoster I apologise if you think I called you a liar and I will follow your lead for having my own credit file cleaned up One question the companies in question did you use them just the once or multiple times ?
  2. Can you post links to the research be interesting reading And trust me I'd love to have then removed as I want to renew my mortgage in a year or two
  3. I haven't called anyone a liar and if it comes across that way then so be it. As stated it was not my intention to offend anyone I did back up my opinion with statements from companies regarding credit reporting, not sure why anyone would have such a problem with anything I've said. And I did ask for a copy of the email he sent so I could use it as well
  4. Or pm one of the site admins with the details I'm sure you can trust them to keep your info secret and if they concur then ill believe it
  5. I'd love it if you were right but I'm entitled to my opinion. I've had loans with me lender and there's you mentioned repost a copy of your letter / email you sent I will send it word for word and if I get the foot print removed I will post an apology in capital letters on its own thread I have my doubts that's all
  6. Having incorrect information removed I agree can be done I had information from my mortgage company changed two years ago when I complained to call credit that it was wrong But sorry again unless I see proof I just simply can't believe they will remove the information which is factually correct
  7. Can anyone post responses from any of the lenders stating that the foot print is to be removed. Also the above links say nothing about having the foot print removed ? My thoughts are that without proving it that people reading this thread are given misinformation Not to much to ask
  8. This why I don't believe any PDL will remove the foot print. Sorry I just won't believe it till I see proof. Don't mean to offend anyone
  9. Hi Rodgerramjet, Further to your email on 8th August 2013, we can confirm that the way we report is in line with our legal and regulatory requirements. We pride ourselves on being a responsible lender, which requires us to report accurate information to the credit reference agencies. This means accurately reporting every loan application, settled loan and, in some cases, issues with an account. We also pride ourselves on being a responsible and transparent lender. Our privacy policy and website describe how each loan (original loan and new loans) is subject to a credit check. Reporting will be made in respect of each loan as well. We hope this has clearly set out what and how we report to the credit reference agencies. As described in our complaints procedure, this will be our final response. If you’re unhappy with it, you may refer your complaint to the Financial Ombudsman Service. You need to do this within 6 months from the date of this letter. For more information, please visit http://financial-ombudsman.org.uk/publications/consumer-leaflet.htm The address of the Financial Ombudsman Service is: South Quay Plaza 183 Marsh Wall London E14 9SR
  10. Hey ihaveaproblem, Your not the first and won't be the last to fall foul of this trap I.e gambling and payday loans. One thing you have to remember is you can get over this and move on with life. You've been honest with yourself regards the gambling. I know it's hard to tell a loved one about your gambling but lets be honest your not going to feel any worse than you already do. It can be the start of the healing. If your gambling online then I'd advise K9 software and have your oh or friend put in the password and email address that stops any temptation. A favourite free book that I read is http://www.wanttostopgambling.com/info2.cfm?info_id=21945 Lots of great advice. The money is lost there is nothing that can be done about that but your life will improve immeasurably if you work hard at not gambling and the debt will be cleared in time trust me I've been there. I'm no counsellor, just someone that knows what your going through. Good luck
  11. Can you post a copy of the letter you sent? And did you have a copy of your credit file so you can do a before and after comparison ? Wonga said they cannot remove the information as they are legally bound to report credit agreements to CRAs I'm pleased for you but stunned they have
  12. Well sent in my complaint to wonga yesterday and had an email this morning asking me to call them. Very quick response, to quick me thinks
  13. Good luck PDL victim, keep us up to date with how you are getting on. I am writing up my compaints just now, I will go straight to the FOS regarding complaints about inadequate affordability checks being carried out before any money was lent to me (please dont anyone reading this think i excuse my own part in the mess) and try and get back some of the interest and charges that way. With regards to the CRAs I know the PDL companies didnt log any information with equifax. The information was logged with call credit and experian. I still think that the data should be removed as the PDL companies did not inform me that once the credit agreement was signed that information would be passed to the CRAs and marked as an "advance against wage" and that this is treated differently to a loan from say a high street bank. I have yet to see anywhere in all the Ts&Cs i have reviewed where this is stated, its not even in the adequate information documents that PDLs now provide to borrowers. All marketing apart from wage advance is that the item they are selling is a "short term loan" I contacted the ICO to see if they had any opinion on this and all I got was to complain to the lender and if no response was recieved then send in a complaint and they will review it.
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