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Everything posted by cuchiandme

  1. Ty...but can they give me a criminal record? i will need to try that tomorrow at the library..I don't know how to do that
  2. Further to all this I have again received correspondence from the council demanding £100 or give me a criminal record at a magistrates court..if not paid within 14 days...help! I have never had a criminal record..don't want one.. I'm only on disability and moving house...this is an enormous sum for me! (I don't know if my previous post will be noticed...any help much appreciated!
  3. Further to all this I have again received correspondence from the council demanding £100 or give me a criminal record at a magistrates court..if not paid within 14 days...help! I have never had a criminal record..don't owant one.. I'm only on disability and moving house...this is an enormous sum for me!
  4. I see...I needed to be shot of the garbage anyway..and don't drive..I have at present a woman helping me with re---housing..she has started corresponding with the council man. .I only had one polite phone call with him explaining my situation..and I would remove the offending garbage..he replied then I would hear no more from him....but they then said it was worse than ever AFTER I had it removed..which was a lie. I replied back to the housing organisation woman..that I refuse to pay! Having already paid to have it taken away..and I simply cant afford that..thanks v. Much for reply..
  5. I wonder if anyone can help me.. lately I had some problems with getting my rubbish out due to illness..I had approx 5 black bags..beside the bin in my yard..someone's reported me to the council.. I spoke with a man from the council..and I paid to have the bags removed..yet still I am being ordered to pay £60..which i don't have and im in the process of moving house..I am on disability benefits..I already paid £26 to have the bags removed..I feel this is very wrong..anyone help?
  6. are you suggesting i do not know how to manage my credit? i thought you were here to help...i have no problems managing my credit...it was only one late payment because my illness was so bad at the time..
  7. but if i do.. and apply for lower interest one... will that mean an immediate rejection?
  8. just applied today. was successful. no it is actually called Aquis. not received yet
  9. hi, my query is..this.. .can i cancel a credit card after applying? the reason being i chose the wrong one with higher interest. .i chose vanquis instead of Aquis.. . called vanquis but was told they could not change it. ..i am thinking if i do change it ...or cancel it. ..this could have an impact on my credit file. ..can anyone please advise?
  10. Equifax shows yellow, and before was green..and i get a "fair" credit rating..and "ok"...not exactly where i was
  11. 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.
  12. 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!
  13. 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
  14. no, cant afford those things .. i pare everything down to the bone as they say
  15. 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?
  16. and can they register a default on cred record at any time? while i am in dispute with them
  17. 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?
  18. 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
  19. 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.
  20. @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?
  21. 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?
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