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About pappydu

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  1. I have a loan on which I am currently up to date. I have had arrears in the past and for a period of 12 months was up to 2 cumulative payments in arrears. I had arrangements to clear lasting 6 months at a time each and they were back to back. At the end of the first arrange I had a terrible month at work (self employed so does get bumpy) so was still behind so came to a second arrangement. After complaining about something recently the lender has defaulted me as of 13 months ago and refunded me all interest charged in between. The are saying that as I was in arrears for mo
  2. In February 2012 I rang O2 to close my account as I had a business phone and no longer required two mobile phones. I was paying my bills manually and there were no outstanding bills on that date that I called to cancel my contract. I was not informed of any final bills during this phone call and none were sent to me at my home address. In Sept 2012 I received a letter from Westcot debt collection regarding an outstanding amount owed to O2 of just under £47. I rang O2 to confirm this was true and subsequently paid the amount. In February 2013 I checked my credit file to noti
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