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Skolley1987

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About Skolley1987

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  1. okay thank you I will do that. should I ask for copies of the default notices as part of that?
  2. Really? how can I be issued a default notice twice for the same original account, on two different dates, and not be informed??
  3. so I have had a look in detail at the two entries on my credit file, from Learning Stream and from Motormile. They both have the same start due but different account numbers, default dates and amounts owed etc. Is there a standard letter I can send them to clarify what is owed etc? I was also under the impression that only one default be issued for a debt?
  4. well, as Ive never been issued a default letter, to my knowledge.. and definitely not from motormile.. i would like to clear up the impact in my credit file as much as is possible
  5. but I would like to get the debt settled .. don't know how to go about this now, who to contact? The original loan was only for £200 and two get two defaults listed (that I am not even aware of getting) feels a bit harsh Is there a standard letter I can use?
  6. okay my latest noddle file I received today has two similar entries , one from lending stream & one from motormile. well they have the same start dates in 2013, both say default (no date for that on the motirmile one tho) and differing amounts. what should i do? no reply yet from lending stream
  7. i've checked Noddle, nothing on there relating to motormile. i contacted lending stream direct to ask for details of alleged debt & default, as they are thebonly ones listed there. who are MyJar's DCA's?
  8. I am still at the same address, for a few more weeks. I am not aware of receiving any letter from the company or previous PDloaners, but I may have and thrown it away in fear when I was at my lowest :/ I did that with a few things trying to hide from them
  9. thank you... so should I approach the two payday companies and try to sort out the debts I have direct with them? if they let me off some interest I can probably repay them in full in a lump sum... would they let me negotiate to get them wiped off my file?
  10. I have received an email from a company called Motormile Finance, they say thank you for payments on my account and they wish to work with me on a manageable repayment plan. I do not know of any debt with this organization. I did , two years ago, have a lot of problem with debt - I was unemployed for a while and experienced quite extreme depressions, I got into a mess and made some bad choices. I did have two payday loans which I stopped making payments on - I had repaid the original amount but not all the interest. One was lending stream and one was my jar. I intend to contact them when I am able to get some sort of repayment organised. What should I do about the email from Motormile? I have definitely never made any payments to this company and the email gives no details of any debt (amounts, or dates or anything) it just gives a reference number which I do not recognice, and my name. thank you in advance for any advice
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