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Posts posted by exeterbay

  1. Account Opened22 July 2011*Last Updated1 October 2012*

    Account Number**************4598*Account TermsMonthly for 1m*Payments Started22 July 2011*Opening Balance£200*Lump PaymentNot Recorded*Current BalanceClosed 5 October 2012*Credit LimitNot Applicable*Monthly ChangeAccount Closed*Worst Status


    **The account has been settled/closed.*Default DateNot Defaulted*Account Holder StatusNormal*Account StatusNormal*Reported UntilOctober 2018*

  2. It is a solicitors, I used them for a divorce and my ex took me for loads and couldn't afford the bill.

    I have just looked on 'mycreditfile' website and the CCJ is on there with the other two CRAs but not on experian, or the trust site. Who do I go by? If the CCJ isn't on the trust site does that mean its gone? And the two CRAs haven't updated recently?

  3. Ignore. They rarely do turn up and if theyre stupid enough to do so, you can tell them in any way you like to bog off.


    But since I don't owe them anything and the CRA says that too would it not be easier to send them a 'proof it' letter and a 'don't set foot on my doorstep' letter.

    Chances are that if they did turn up I would be at work and don't really want my wife or kids answering! I'm more than happy to tell them where to go!

  4. Hi renegadeimp,

    Have received another email,in junk folder from mmiles stating that they have sent Instructions to doorstep collections! I have looked back on my credit file and I had a £200 payday loan with swift who these muppets are working for. It states it was settled in full with no problems and account normal!

    What course of action do I take now? I don't want them coming to my home and upsetting my family so shall I send the doorstep letter? What else can I do to stop these chancers?

  5. Ha Dx! No its not Welcome for a change!!


    It's a solicitors which I had to use but because I had so much financial trouble during a divorce,


    I couldn't even pay them so they took me to court and got a charging order,

    it was only for £1200 and I am slowly paying a tenner a month

    and also there's no chance they would ever be able to exercise the charge

    due to other factors involved so maybe they think ts not worth even chasing?

  6. Hi,

    I have just noticed in my junk mail 3 emails from mile.com!, the latest one states that my continued default will be reported to all 3 CRA's! And they are looking at doorstep visits! I have absolutely no idea what these bunch of jerks are on about!!!! They have even spelt my name wrong! What is the best course of action for me to take?

  7. Thanks Dx but which is post 15? Their not numbered?


    Found it Dx! Sorry,


    So is the CCA agreement legit? Everything ok with it?


    You mentioned before about the interest being outrageous is this something I can attack them with?


    You said when u looked at the full Sar that it was very revealing, what can I do with that now?


    Shall I put up the default notice?


    Sorry for the questions but I want to put this this whole sorry situation which has plagued me for 7years plus to bed!


    I feel I'm so close but I just need you guys to elaborate for me please!


    How do I approach MKRR now?

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