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cuchiandme

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About cuchiandme

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  1. Equifax shows yellow, and before was green..and i get a "fair" credit rating..and "ok"...not exactly where i was
  2. thanks for replies, always much appreciated.. the calendar section has marker for feby. i received another call from b.c. today.. they are trying to ascertain the reason for late payment.. she is going to review it again based on what i am telling her over the phone.. i told her i can get medical proof for illness..she replied, perhaps later they might require that. it tells me , they can remove it... based on the reason..this is a onetime late payment marker..otherwise my files are totally clean of problems, but this ofcourse is making an impact on my credibility.
  3. Can anyone help? i finally got my credit record straight.. and then in february due to my S.A.D... i missed a payment on 2 credit cards.. i got on the phone as soon as i could to get it sorted.. but at the time i was unable to do much.. because i was ill and sleeping a lot and i live alone.. its difficult to describe unless one suffers from this.. now to my horror after explaining everything , i found 2 late payment markers in that month one for each card respectively.. i am told this will stay on my file for 7 years... i wrote to the companies.. received no reply only by email.. curt and standard, that they wont remove the markers.. i am thinking this CAN be done but they are just not listening to the reason for the late payment.. only one in all the time i have the cards.. this will, i know affect my credit adversely.. but will it be 7 years? i called again today.. I was told it would drop off after 9 months... i am thinking this is misinformation.. but i feel penalised for being ill.. complaints are open on this.. would a letter from my doctor help? i feel this is injustice... t hough i know someone here will say.. its normal procedure.. and i was at fault.. still, im not just a number on the front of my credit card.. this is a thing that happened to me.. but not deliberately.. and i feel i am not being listened to on an individual level.. please help!
  4. do have an old mobile i use, about 6 years and has sound recorder yes i can use that... but having bother getting a charger .. suffice to say today, im not set up for it
  5. no, cant afford those things .. i pare everything down to the bone as they say
  6. i just called them requesting a call back but the phone cut off.. then i remembered i need to record it... but at present i have nothing i can record it on...so any use in calling?
  7. and can they register a default on cred record at any time? while i am in dispute with them
  8. ok thanks, as mentioned they are asking for 2007-2014..2014 was 4 year ago... can they still charge a portion of this period? or are they breaking the rules entirely?
  9. but what i specifically want to know ios can they register a default on my cred file if it doesn;t go the way they want? they had my forwarding address, i do not remember how i gave them it.. they also had my phone number.. i did receive demands at this address.. way back then
  10. woooa, ok but i did not" run away" anywhere, i fear no one.. i did inform them i was moving, but they merely estimated my bill.. and i barely used electricity. i disputed it.. i was in contact on the phone quite a few times.. but it came to a stalemate. . eventually within the same year i left, i heard no more. .the debt at this stage is alleged.. please do not automatically assume i am at fault. .by the same token without data. .. they have sent me no evidence of the amount they are requesting ..i can not just dish out money to anyone who asks. .plus they are billing me for 38 quid.. so called admin fee.. disgusting.
  11. @DX100uk"Well they cant outside of 6yrs And unless they billed you in the last few years telling you They cant outside of 12mts under back billing rules I would suspect they already defaulted years ago so cant do so twice" reference to earlier query.. i wrote to sse informing them of my surprise at receiving a bill so far back, and indeed 2007 is unbelievable considering i was there a further 7 years without issues with this.. yesterday i received a "final demand"... totally ignoring my letter. .and again threats to put a mark on my credit file. . can they do this? anyone help me here?
  12. i dont know if this should be on a different threads.. but here goes.. can i be billed for electricity used on a key that is not mine.. and was already in the meter when i moved in?
  13. thanks.. can you expand? any links about back billing rules? i do not know .. 2007 to 14.. . is a bit much to ask for now.. .i guess 2014 is still below the statute barred timescale. ..they are not showing me evidence of anything, so its similar to most things i have dealt with ..do i need to write them to prove it? also if i contact them by phone will that be bad for me? i'm just trying to avoid them messing up my cred file and the days are ticking by.
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