thanks for your reply i really hope so ,cos advicder kept saying dd wasnt set up ,but we proof it was maybe i need check our credit files in a couple of months to be on safe side

hi guys this is quite long winded so please bear with me ,thanks myself and my partner have been orange mobile contract customer for 15 years we had great service up to now my partner changed jobs in august 2014 and was paid diffrent time monthly ,so he phone orange up to change payments dates when our direct debit comes out the orange advicer said we couldnt do that but advised us to cancel direct debit and pay using our debit card for couple months then set up new direct debit with new payment date which we did now im aware our new month on our mobile contracts start on 8th of each month so bills must be paid by 4th each month ( we used pay on 20th each month before direct debit was canceled ,so 2 wks early ) on 1st dec 2014 we paid lastest bill by debit card and adviser set up new direct debit for 1st jan ( and 1st for every month after that ) on 3rd dec2014 orange sent out new direct debit confirmion that payment will come out on 1st jan 2015 and 1st every month after that in the post last week i noticed when i was checking my online banking that orange hadnt took there money on 1st jan yet ,i spoke to bank and they said direct debit was restained and was set back up and not to worry as it was matter time they take payment yesterday i checked my orange account online and said payment was over due ?so called orange up as thought this was strange ,the advicer said no direct debit was set up etc ,i said it was i had letter ,so i paid the overdue account on the spot as i dont like being late etc ,plus strange thing the advicer gave me £15 pounds off my monthly bill for next 2 months for hassel now its not hassel we worried about its our credit files ,im worried we get a late marker due to this ,even though a direct debit was set up they never took payment ,that means bill was 12 days late (we worried and furious as our credit file was been in fab nick for a year now due to fighting a 3 year dispute with welcome fiance over missed payments which we won and markers were removeed with your help) any advive would be great thanks

any advice what i should do? thanks

hi im needing advice on the only bad debt on my credit file its small debt of 400 which is defaulted and has been brought by lowells ,now im aware of it being staus barred after 5 yrs as in in scotland ,that 5 yrs is in nov ,thing is my credit file is great at moment apart from that debt what im asking should i make it status barred in nov or leave it other year and let it fall of my file? if i do status barred does it stay on my file until 6 yrs are up which is nov 2016

Anyone advise me pls Many thanks

Sorry for late reply ive been unwell again Its been few months and still nothing back from welcome .cheque not been cashed Was too ill sort it in nov dec but lot better now so going push forward But what do I do now

Sorry just saw them.must have came on when was writing my post Im bit confused here On what to send as im terrible at this sort of thing

???

Hi soz for late reply was working Thanks for drawing up draft letter If welcome finance change late marker to default would that be for six yrs So I aware shouldn't have nothing as there was no arears on account when id vt it Thanks

Hi yeah thanks for that Yeah brig is going write a draft up for me .it so frustrating that this is onl bad thing on my credit file and hopefully I get it off and resolved Thanks

Hi yes got paperwork some were wheni VT car told we were quits until about month latet I did ho to citizens advice shortly after it and they also said it wasn't right they tried sort it but was nitemare I gave up as family member had died and I wasn't coping good so just left it But now want it sorted

:-Dgreat let me knew when u do draft no hurry thou and thank u for ur time

that would be super ,thank u see if we manage to sort it what would happen? as its had late marker for over 4 years now and wondering if it goes to default would it be six yrs ,or six yrs from 2009

just over a week will I do anything about breach of LP markers

yeah they have been putting late marker since 2009 and wasn't put in default we had paid more than half of car when handed back ,after they sold car at auction the said I need pay shortfall as they didn't get what they had hoped for the car ,hence that's why we got late markers it was june 2009 what do u suggest I do as waiting on SAR THANKS

that would be in 2009 when we handed the car back voluterily we had paid more than half as u see on above posts its nitemare its only bad thing on our credit file and they keep putting late markers every monyh:mad2:

hi thanks have sent SAR a week ago aware they have 40 days to reply another thing only heard that welcome fiancé are no longer a company is this right? we from Scotland not sure if its different in England and if so no longer a company how can they update my credit file each month thanks

Thanks do in morning A friend says I just should leave it as we have moved address and a new build house no one been at this address before and my rating would sort itself out in a few years as it new address .is this true I don't know nothing about this sort of thing sadly

hi again not managed to sort this out yet due to family member being seriously injured to moved out to care for there family ,now im back I can get ball rolling so I need send SAR to welcome ,do I pay the cheque to them and what address do post to soz if u told b4 so much has happen over last 4 months but im ready to go now also we have moved address does that matter as they wont have new address

thank u I let u know how we get on

ok thank u so I just say that acc is in dispute do I need explain why

thank u ,can u advice me to to write for credit file as new to all this

certain its not owed because we had paperwork saying if we had paid over£ 4827 and car hand back that would be it we actually had paid £6300 ,I actually still have all the old paperwork and the money they say we owe them was shortfall for when they sold the car ,im more worried about how it will affect my credit file if it doesn't say default been saying late payments since 2009

account was never defaulted ,we handed car back in 2009 ,I do know we don't owe this money and needing info to get if sorted or off my credit file ,is that likely to happen?

anyone