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Howdoidank

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Everything posted by Howdoidank

  1. Are you saying given the age of them now the effect of getting them satisified would be negligible then? Unlikely to make any difference to say a tenancy credit check or simo contract?
  2. Hi all. I have a couple of old payday loan debts that date back to late 2012 that are both Defaulted on my credit files. In the absence of a time machine, would like to get these resolved and marked as satisfied in full. I have managed to find original credit agreements for both of them. Paydayuk - £100 loan with £129 to be repaid. It is showing as satsified on Callcredit and assigned to Prac Financial on others. I suspect Prac bought it like they do and just wrote it off? 247moneybox/active securites - £100 loan. £176 to be originally repaid. Showing £292 in Default. Recently contacted me out of the blue with a 50% settlement offer but were vague about updating credit agencies. I do not want to make affordability complaints as I cannot be sure what I stated on applications. Would I just approach it like dealing with any other old debt and send them a letter offering X amount in full and final settlement? I want to be smart about this and minimise what I pay and potential blowback so figured best to ask now if there as a right way to go about this? Any other help, tips or advice? Massive thanks in advance.
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