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About Mike12421

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. So if I keep my NatWest credit card for another 10 years (and not close it), will credit checks keep throwing up my late payments from 2002?
  3. I tried calling Equifax but I think I was too late. Will try again in the morning. As for the late payments, 3 years is better than 6, however my last late payment with Vodafone (which is now a closed account by me) was September 2004. As for the late payment on my NatWest account, that was a couple of months ago. I have looked over my credit file again, and it does show payments (good and bad) going back further than 3 years. Fingers crossed then, does this look like I only have to wait until September 2007 for the Vodafone markers to disappear? Thanks everyone.
  4. Just as a final thought, am I right in thinking that a "late payment" mark as described above, is the same as a "default" mark, and as such stays on your account for 6 years? Or am I just confused? Thanks again.
  5. Thanks, it looks like I'll just have to keep my nose clean from now on. Mike.
  6. Thank you all for the quick replies. They are genuine late payments....so there is nothing I can do? If people can have "defaults" removed, which are "8 late payments", then surly I can have my 1 or 2 late payments removed. Anything I need to do, I will do.
  7. Hello, I have been a visitor here for some time now, and with the help of everyone here I managed to claim back over £2k from HSBC...WOOHOO! I am trying my best to get my finances in order, and to be honest, I am doing quite well. HOWEVER, I have just obtained my Equifax record today and everything is great except for entries from NatWest and Vodafone. On my payment history under NatWest, they have notified Equifax of a number of "late payments or arrears". This is shown on my record as a "circled yellow 1", and on two occasions a "circled yellow 2". The majority however are "circled
  8. Thank god for that, you have put my mind at rest. This is how my MCOL claim was made up; --------------------------------------------- PARTICULARS The claimant has an account 41564032 with the defendant since 27.02.1998 until the present date. Between 29.12.2000 and 18.06.2006 the defendant made various deductions from the account in respect of ?unauthorised overdraft fees? and ?returned payment? fees. If the defendant is able to establish that the contract between the claimant and the defendant did contain terms purporting to entitle the defendant to levy these
  9. In the particulars of the claim I stated both the charges amount AND the interest amount, however in the TOTAL amount box on the right hand side of the page, I did not add the two. And so Abbey have received a claim from me, stating the total as the CHARGES Amount plus Court fee, however the only mention of the interest is in the particulars. I still want the interest aswell, however as I have not added it to the TOTAL amount on the claim, I feel as though I may lose it.
  10. Well I received through my AQ which states that I have 14 days to return. However I have been waiting a few days to see if DLA offer me the full amount including interest, as some of you might be aware, I included the interest in the particulars of the claim, but not the Total Amount...doh. So instead of paying £35 to amend the claim, I have been holding back. No I read that Abbey are in the process of changing solicitors, and that DLA are no longer dealing with any claims. My question is, is it still possible to amend my claim now that I am up to the AQ stage, and if so, any advice would
  11. MondeoST24 what was the letter you sent to DG regarding the mistake on your claim re interest. I have just had an offer through from DG for the full amount plus court costs, however not the interest. I included the interest amount in the particulars, but did not add it to the total amount on the other side of the claim...DOH. I have come up with the following letter, what do you think? Thanks in advance. _________________________________________- *********** *********** *********** *********** ****** 22nd September 2006 Ms Julie Klye 12 Calthorpe Road Edgb
  12. What should I put for no.5? "Level of Judge?"
  13. Thank you, as I said this is all new to me, and so any advice will be a great help!!!
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