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Heropanda

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About Heropanda

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  1. I think one problem i have is that i feel like i can repay these debts, but i've always sabotaged myself along the way with gambling, it will be different when i'm paying rent and bills as i'll have much more outgoings, should i look to sort out a place to rent before this situation comes to a head? I get that i shouldn't wait for all the debts to default, i've only got two payments which are currently a week overdue, i'm awaiting the response of my complaint/request to the casino in question to refund some past payments, if they do that then i'll be able to survive a bit longer and have
  2. The Debts are still with the original lenders yes... I appreciate the advice everyone, i feel a bit of a stigma over the bankruptcy option but i am reading more and more about it to see what suits. Feels like the calm before the storm at the moment. It's going to come to a head in the next month though so i'm just preparing myself for that. Will keep you posted on next steps
  3. Frankly i don't have any assets whatsoever, company car, everything thats not nailed down i've sold to fund my habits over time, most expensive thing i own is probably a digital camera worth £100... I will read through the information around it, specifically around impact upon job and housing but do you know if this would create any problems or difficulties for my parents listed currently at the same address? Thanks for looking in and taking the time to advise
  4. Over the past two years i've racked up an incredible amount of debt, it reached as much as £60k last Christmas but this has now come down to c£50k. I have a gambling problem which is where all this debt comes from and which is why its so hard to shift. The pressures of this debt, personal relationships and job insecurity have started me feeling anxiety and stress related symptoms, i don't want to over-egg this but going to the GP recently i realised that things had to change. As you can imagine the largest problem i have is being reliable with any substantial sum of money in my account.
  5. I've been looking through a lot if decisions and there seems to be a real difference of opinion and how things are dealt with based upon your adjudicator. I've had a very good one on my three cases and I've always been very prompt and complete in responding to any of his questions and it's worked out very well. Only one decision went to the full ombudsman which is provisionally in my favour so fingers crossed. Anyhoo one of them was with wonga, i accepted their offer last Friday, they emailed me yesterday, I responded immediately and the money was in my account today. It was over a grand
  6. My complaints with the FOS are currently in progress but the adjudicator today let me know that he was recommending two out of the three repay all interest paid and all credit footprints removed. (He's still waiting a response from the 3rd company) After all the misery its great to have results like this and like some of you i'm in line to get back thousands of pounds which i thought were lost. I would say that there can be a marked difference between adjudicators though, in an earlier case with a more culpable company they found in my favour without any communication from me, this curren
  7. But if you read the other threads on here, over the past few days Motormile have been removing defaults from credit files that they had no right to place so this may be unlinked to whatever correspondence you had with them.
  8. Thanks for this information, i hope its true and it holds up. If it does then it changes my life for the better massively, hope this also applies to others!
  9. Because the chap i was responding to noted that he'd just had accounts removed today also so i thought it could be linked. When you say 'correct' that sounds like a temporary measure, how long till things are re-instated?
  10. I came on here today because i had two defaults registered by Motormile Finance from payday loan lenders in 2010 which have just disappeared off my credit file with experian also... has this happened to any others?
  11. I've just had a fairly heated discussion with First Direct after they labelled my current account as being 1 Payment Late. My first thought was that this was ridiculous as it was a current account which wasn't at that time in an overdraft or anything. It turns out they put it on there because a direct debit that i was in the process of changing had been returned unpaid. This payment was ultimately collected on the second attempt seven days later and was to a mobile phone provider. My argument was that whether or not this payment was made on time or not it had nothing to do with First
  12. Safeloans have been one of the worst in my experience at leaving a footprint on credit files, after much tooing and froing i've received confirmation that all loans were made on a 'running' contract basis up to May 2012 when they apparently switched to a fixed sum loan agreement. What this means in practice is that if they left multiple entries on your credit file pre-May 2012 you can rightfully ask them to consolidate it into one entry. I believe that as i had a single account number and a credit limit for applications that all loans were essentially a revolving credit agreement as
  13. I've messaged you with the separate details i used to contact them. My tactic was to get agreement up front that a default wouldn't be added while i worked with a three month payment plan for a similar amount, i subscribed to credit expert from experian so i could see what was being noted each month and continually emailed them when things weren't being reported correctly, ie a decreasing balance and late flags. To be honest none of this worked at the time but it did help later as i had proof that payments were being made as part of a plan and that the data entries on my file weren't
  14. Cashbob were a nightmare for me to get a default removed, again it was added while i was in a repayment plan and after about three months of back and forth with the credit agencies it finally came off. I remember reading something about the default placement guidelines suggesting that a default shouldn't be applied within three months until it can reasonably be assumed that payment is not forthcoming, in the example you've mentioned and immediately entering into the plan to repay over a short period of time i can't see a default placement being justifiable. They are also failing to r
  15. Yes its a con, i applied for it knowing it was a con from a bank account that only had a fiver in, they said things like 'please ensure there is more than £1 in the account for our verification purposes'. There was over a fiver so they obviously try it to get a large amount of it... I just submitted a four page complaint letter about this company, can't wait for their response...
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