players4you
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oh what a pain, wort a try though I guess. Do you know the best contact details for them? I have just heard from the FCSC and they say they are unable to trace an account - how weird - defo had one. Have no documentary evidence sadly
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Will let you know how it goes
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You are correct, its not legal. SCOR guidelines are for defaults to be added 3-6 months in arrears. Under FCA guidance for "treating customers fairly" if you feel you havent been you can complain for: 1. financial loss 2. Material distress 3. Material inconvenience FOS will look into any complaint under these guidelines once the company has given its final response. So far of the 4, 2 have agreed but it was before I knew the correct complaints procedure so I received a small amount only. Going for bigger now with the others.
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No, its paid off I am now complaining to all companies that failed to register a default and left me in a worse position than had I paid the debt. I entered into a DMP. they didnt register a default and it remained on my file for 14years thus causing me an issue. Welcome are the only ones who I have not managed to register a complaint against.
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Does anyone know if I can still make a complaint against Welcome even though they are obviously now failed. I want to complain about credit reporting etc. Sorry if not appropriate to create a thread. Many thanks
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StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
So an update for you all. Having spoken to around 10 brokers and 2 high streets they all say the debts need to be paid off. Of course, I know theres the question how will they know but lets leave that aside for one moment...... I have negotiated very small F&F's with some but PRA are offering virtually nothing off ( 2500 o/s down to 2400) even though all 3 accounts are unenforceable and I am currently paying £1 per month and all are past the default + 6 years date. I am really struggling to understand the business logic in this -
StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
Thanks - I have started enquiries and will let you know how it goes! -
StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
its about 65% LTV -
StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
I think the difference at play here is that I am being honest and saying I have only just finished a DMP -
StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
so, if you burn the body then there is no trace - along comes DNA 20 years later I am not saying you are wrong just finding it hard to understanding -
StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
I am sorry, I am having real trouble in understanding why you think someone lending you £350,000 has no right to know if you are more/less likely to repay the money lent? Mortgage fraud is very real and is criminal I believe, in cases, attracting custodial sentences. I highlight this for anyone reading this and seeking advise. -
StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
Its an interesting point you are making. If a lender has a question on an app form "Have you EVER experienced credit issues" I find it hard to find any other answer than yes? Now, I know the law is not as straight forward as that....... -
StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
"They" are the lender, surely lying on the application is mortgage fraud or something -
StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
But if they ask in the application you have to answer honestly surely? And I am assured most do ask. -
StepChange DMP +10yrs - Help please
players4you replied to players4you's topic in Debt Management Plan Companies
No CCj's, no defaults. Any ideas on a good broker - I have tried a few so far
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Reclaim the right Ltd
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262 Uxbridge Road, Hatch End
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