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dortmund

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  1. Can i go to them to ask them to stop running hard searches? Can I get them removed via Transunion? This is the MBNA card yes, sold to Link many moons ago. 12 month left to go on my credit file, so one last ditch attempt to get me to contact them no doubt. Im applying for mortgage in 4 weeks, thats the only thing that worries me.
  2. Debt type, credit card They bought it about five years ago last paid it two years ago Default drops off in one year I've let it run a few months now, and they are doing a hard and soft search at around the same time every month. They've done it in Jan, Feb and Mar.
  3. Different debt entirely, hence the new thread. This was a soft and a hard search. Soft- Affordability Hard- debt collection search
  4. Just had an alert from Credit Karma about a search on my account. I've logged on and can see Link Financial have done a hard search on me. I do have an account for them on my file. Are they allowed to run hard searches on me without consent from myself?
  5. CAB advised me to reach out to the banks and set up a £1 repayment plan and freeze interest until im in a better situation financially. The Lloyds CC, the £1 payment goes directly to Lloyds, not Wescott. Same with Virgin, payment goes to them, not Arrow/Moorcroft. I'll look into the PDF upload. Not to good with PCs and wil ave to borrow a mates scanner. Not sure i can do that with Covid and that.
  6. Lloyds CC £2800, Wescott Virgin CC £3400, Moorcroft/Arrow Global (No notice of default supplied by DCA yet). Moorcroft offered £1300 in Feb 2019 Both taken out in 2013, both defaulted in 2015, paying £1 ever since.
  7. Yes, been giving them both a £1 payment since 2015. They've both responded to a CCA request at some point
  8. I'm finaly in the position to start the process of saving for and then buying a house. However, I have a few old debts hanging around my neck that i'd like to get rid of. None of the DCAs are really chasing me, and none have given me a part settlement offer in over a year. Whats the best way of going to them to set up a payment plan? For example, one of them sent me aletter over a year ago with a 60% off offer. Obviously this was only valid for 28 days, so its no longer valid; but i was thinking of giving them a call and saying im no able to take them up on their offer.
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