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minimal-c

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About minimal-c

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  1. Yeah, Unfortunately they produced a bill for the account. They have finally taken the account back In to their own name and have allowed me to set up a reinstallment plan. Minus the middle man. And have agreed to update my credit file to show regular monthy payments are being made. I have also requested they update my credit file from January as it shows missed payments when in fact they have prevented me making payments thought thier incompetences .
  2. Cool I see where you were heading now lol. Il get a SAR done this week then.
  3. How do I go about proving that they didn't send one. I assume simply saying so won't be sufficient lol
  4. Very little comms between now and then only the discussion with the complaints dept recently. I have not received any bill for the account to date. What effect will it have iIf I challenge that they didn't apply a default after the 3rd missed payment? would they not just update the status to default? Thanks
  5. Hi DX no not done a SAR yet. The account is shown as 6 payments late and has been updated monthly to show this since 2012. There has never been a default issued or or registered against the account. It's shown as "Delinquent" on my Credit File. I want to set up a payment plan and clear off the account to stop it showing as a missed payment each month.
  6. Hi Everyone I have an account on my credit file for British Gas which shows a balance of £900 for a property I resided at in 2012. I have written to British Gas to request information relating to the account and to set up a repayment plan. British Gas are reluctant to provide any information relating to the account or balance and referred me to Past Due Credit solutions informing me they are managing the account. When I contacted PDC they informed me the account was closed and the were no longer handling it. Again I referred this info back to British Gas where my complaint was escalated to "Tier 3" after a lengthy discussion I was informed the account was reopened with PDC and to contact them for repayment. However again PDC has informed me they are not handling the account and it is closed with them Where do I stand with this? British Gas continue to have a negative affect on my credit file with monthly updates yet refuse to allow me to make a payment to the account, any advice on what to do next. Thanks
  7. Thanks SilverFox, Yes defo. And as it stands the fastest way to get the PDL of my credit file is to wait out the default. I am going to try an renegotiate a better deal with them, if possible. I have been quite fortunate so far and had 4 Defaults removed from my Credit File, through sheer perseverance. I have this and another to get the full house, so to speak. Hopefully perseverance continues to pay off
  8. thats my worry. I think the best way would be to present them with this concern, without agreeing to the proposal, and see if a better solution can be agreed upon. If not i will just wait out the Default
  9. Hi everyone I have a dilema I could use some advice with. I challenged a Default with QuickQuid for a previous PDL which was Defaulted in 2012. My argument was that they had failed to act responsibly by preventing me from setting up a payment plan until after the account was sold and a Default had been filed. Had they agreed upon a repayment plan the account would have been settled within a couple of months without any Default being registered or the account being sold on. Ultimately my complaint was escalated to the FOS who, in agreement with QuickQuid, have agreed the best course of action would be to set up a repayment plan, remove the Default from my Credit File and update it to "Arrangement To Pay". Although I am more than happy to see the Default gone and clear off the balance my concern is how much negative impact the "AP' status with have on my credit file. If i was able to clear the balance after 6 months and close the account it would still show the "AP" status for a further 6 years, however, the Default will be gone in 3 years. How detrimental an affect will the "AP" status have on my file? Would it be worth while accepting this agreement or better waiting out the Default? Thanks Guys
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