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Terminalpigeon

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About Terminalpigeon

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  1. I agree to a point but ok I will send a CCA to get the relevant information and post it once received.
  2. I had a subject access request from Lowell. I'll have to get another as I shredded the last. The thing was huge. Once I get that I'll post relevant info and see what you think.
  3. By time frame I mean so I don't get defaulted. So what are you saying ultimately is once a debt is defaulted even paying a bare minimum is acceptable as nothing will change the current status
  4. Well they had a copy of the agreements? It's within a time frame to have to pay them..I thought that's right?
  5. Due to me getting all information they held on me and supplying proof that I did in fact owe them..
  6. Lowell hold a few that I'm paying off gradually that's it to be honest. Nothing massive but showing on my file Just was curious if it helps your report. I guess one benefit is you pay less in the long term...
  7. With regards to offering companies these. Can I ask though is full and final a good way to deal with your debt outstanding. An example. I owe DCA united £100 I offer a settlement figure of £46 They accept the offer. Does it help your credit report/score or not? Or can you ask that the creditor mark the payment as settled or satisfied whatever the terminology is.. I ask as I've read a few threads with people and there success, beyond a positive mindset what are the benefits of making a larger payment rather than just clearing it off gradually?
  8. This has been paid. The company has informed the courts, also got confirmation from them that payment was made and that they would inform them. Contacted Northampton and they have received the confirm. How long should this take to disappear from my report??
  9. Thanks for all the replies. After talking to Northampton it seems it was payment assist. The original payment left was £88 the rest is literally fees The situation is now I will clear the balance and payment assist will send me confirmation of payment and will inform the court it's paid Lesson here is always update your address as it's highly likely I would of fought this claim. Due to me being non responsive it went into default judgement which was the ccj. I'll not make this mistake again anytime soon Thanks for your help!
  10. Great as I'm paid on the 28th so I'll clear it. With regards to the proof being sent to court. What's the quickest way to do this. Obviously it needs to be in and clear to rid the ccj Sorry so many questions..
  11. Well the claim has been issued. Won't the court at least be able to tell me who to pay etc and specifics...that and well rather no bailiffs knocking A month from now isn't long, if payment assist got that crap through the court then contesting it is meaningless. Just rather not have my file damaged by £294 for the amount and the time it's taken trying to keep it sound it's not worth it.
  12. I've just checked creditkarma, totally money and Equifax, none have anything relating to the creditor just it was issued at etc..
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