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Halfwaythere

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About Halfwaythere

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  1. Thanks the debts are enforceable and I have received credit agreements. I now only pay them £2.54 and £5.19 each a month
  2. I have 3 defaults Halifax overdraft(down as current account) date of default 5.6.18 Intrum was Tesco credit card date of default 20.3.18 Link was Halifax loan date of default 21.2.18 thank you
  3. Has anyone been in a similar situation to me? Will the 14k debt have a massive effect?
  4. Hi all I was looking for some advice We have saved 12k for a deposit. My sister is gifting 20k towards our deposit. Me and my husband earn 50k basic a year before overtime which is about 5/10k extra a year. Our credit score are good on Experian but I have 3 defaults from 2018. I have 14k of debt left over 2 accounts that I currently pay £10 a month in total to in a standing order from bank. would I be in a position to safely do ahead for a mortgage looking a buying a property around 150/210k thank you
  5. These are my other providers that are paid off Details of Account Account M & S BANK Info Type Credit Card/Store Card Account started 25/11/2016 Current Status Up to date Credit Limit £500.00 Balance £0.00 credit in use Entry code C1 Debt Management Programme Start Date Feb End Date Jul What does this mean? The lender has reported that the account has been included in a debt-management programme (f
  6. I really don’t understand it all I thought AP markers did this, I’m just baffled by it all
  7. Think it’s a way of listing my accounts C1 C2 etc none of the details seem to have changed other than the amount owed. My credit score has gone from very poor to fair but I just don’t understand how it works. Don’t want to except they are right because I don’t think they are
  8. This was the month before Details of Account Account SAINSBURY'S BANK LTD Info Type Credit Card/Store Card Account started 25/11/2009 Current Status Up to date Credit Limit £7,200.00 Balance £3,616.00 credit in use Entry code C1 Arrangement Start Date Nov End Date Jan What does this mean? The lender has agreed to vary your payments for a time.
  9. So the AP markers won’t continue to affect my credit ?
  10. I paid the whole amount of last month so the account is it £0
  11. No I have paid it all off it’s with the original creditor. I don’t understand I thought that it being an arrangement to pay account would affect my account for 6 years after it’s was paid off, I paid it off last month
  12. Why’s that if it’s been in an arrangement to pay?
  13. Details of Account Account SAINSBURY'S BANK LTD Info Type Credit Card/Store Card Account started 25/11/2009 Current Status Up to date Credit Limit £7,200.00 Balance £0.00 credit in use Entry code C2 Arrangement Start Date Nov End Date Jan What does this mean? The lender has agreed to vary your payments for a time.
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