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vogelrok

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About vogelrok

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  1. This topic was closed on 03/08/19. 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. This topic was closed on 03/07/19. 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
  3. wheelbarrow i was thinking more of a dumper truck. maybe it is a silly idea. maybe i hate banks that much that i would cut my nose off to spite my face. mine is a cash business i dont except credit cards or any cheque of anykind. i cant take a tattoo back off of someone if they bounce a cheque. plus i dont think a tattoo should be brought on credit cards either.
  4. im putting it all into my business, tattooing and building tattoo machines. think i will get a better interest from myself working tham a bank can give me. remember they only give you the high rate of interest for the first £2500 max. i have always been self employed and its time to make my mark in my field of tattoo machine building alongside my tattooing. who knows one day my name might be as big as micky sharpz in the tattoo machine building industry. so i do have plans for the money its not just going to sit and do nothing. it will be working, but it will be working for me and only me and no bank will get a sniff of it. i wall pay myself a wage and the rest just keeps going back in. the machinery i need alone will put a big hole in it.
  5. at stage 2 with experian 28days was started have had 2 notices of correction now. asked why my mortgage company have 2 defaults listed against me on the same day. but for 2 different amounts. these are the notices Y1 / THE ACCURACY OF THIS DATA HAS BEEN DISPUTED BY THE INDIVIDUAL CONCERNED AND WE HAVE NOW CONTACTED THE SUBSCRIBER. CARE SHOULD THEREFORE BE TAKEN WHEN USING THIS ITEM OF DATA TO ASSESS THE CREDITWORTHINESS OF THE INDIVIDUAL CONCERNED. 11 / DISPUTED BY THE INDIVIDUAL CONCERNED AND WE HAVE NOW CONTACTED THE SUBSCRIBER. CARE SHOULD THEREFORE BE TAKEN WHEN USING THIS ITEM OF DATA TO ASSESS THE CREDITWORTHINESS OF THE INDIVIDUAL CONCERNED. have also just noticed Cabot haven't updated my credit report with experian. but they have with callcredit. even though it is in dispute with callcredit. can see a letter going to them later today with regards to this.
  6. i can fully understand your way of thinking and you might be right. might not be worth taking it all out in cash. but how will i get a chequed cashed without having a bank account. i really dont want one anymore. not even a credit union. if i need to pay anything by card i will just load up my payand go credit card as and when needed. maybe more people should do away with banks. then maybe they might believe you when you make threats. banks with no customers aint much of anything anymore. just a debt ridden business. just a shame more people dont have the backbone to stand up to these people. just my 2 pence worth. yes it is maybe a bad idea. but it is my money at the end of the day. being told i cant have it when i want it is out of order. dont worry i won't make it public if i do go ahead with the plan.
  7. cheers Slick bit hard to cash a cheque when i dont intend to even bother with any form of bank account. had enough of them. i managed for 5yrs without one before. its more the fact that the bank has told me i cant do it that has got me wanting to do it even more and more. but it wont happen for a while as the house buyer might be pulling out. unless they do something to sort the contract out.
  8. wonder if we are going to have to do this with every CRA though. i haven't checked my equifax one yet, but have checked experian and call credit both had different results. dealing with both of them at present to get unlawful defaults removed. Call credit are a bit slow but they are getting the hang of it. i ask a question they dont reply i send it again i get a response. Experian have amended the linked addresses but im still not happy about this 8yr rule they quoted. so keep at them. experian = abbey = santander.
  9. this is the last response i got back from them. Thank you for your queries received on 13 and 16 June 2008. In view of your comments about the Barclays defaults, I am writing to them for you, as I cannot amend your report without their consent. While I investigate your comments, I am adding the following statement to the entries you have queried. "THE ACCURACY OF THIS DATA HAS BEEN DISPUTED BY THE INDIVIDUAL CONCERNED AND WE HAVE NOW CONTACTED THE SUBSCRIBER. CARE SHOULD THEREFORE BE TAKEN WHEN USING THIS ITEM OF DATA TO ASSESS THE CREDITWORTHINESS OF THE INDIVIDUAL CONCERNED." I will let you know what they say as soon as they reply. Your report will change in the next seven days. Please use this correspondence if you need proof in the meantime. We will tell all the companies that have searched your credit report in the last six months about the change to your information. going to sub to this thread. as taking them across the coals to. seems if you challenge them right way you get somewhere with them. great letter Finlander.
  10. Hi Dad That was my understanding of it. if they say i cant have my money when i want it, then i can only but see me having to inform the police of theft by a bank. how far it will go would be a surprise. i think there idea of making me take smaller amounts everyday would put me more at risk than one lump sum. i cant wait to see there face when the money hits the account. the manager is so going to be in for a shock.
  11. just seen my local bank manager and asked about closing my account and taking the lot in cash. i dont have the amount of money i asked about yet. could be a good while yet. but if i wanted to how quick could it be sorted. my answer was we cant do that because of security and insurance purposes. if i walked out of the bank and got mugged it would be down the the bank to replace the cash so they claim. i think this is total Bu*****t on there part as they wouldnt want that amount of cash taken out in one go. unless there is a law in this land that can stop me doing this i will carry out my action and let the bank know this. just goes to prove that your money is never yours whilst the bank have hold of it. they don't like to let it go. this pretty much proves it for me. anyone know of a law in this land that can stop me taking the cash out of a bank at my request with enough notice given i.e. 4weeks at least.
  12. thats what i have based all my questions on. it seems to be working so far. i am getting responses. but it is taking quite a few emails to get it all sorted. call credit will have go to be taken to task i think. they are so bad they should not be allowed to hold anyones information at all.
  13. just had a phone call from the director of the HA. looks like we are getting somewhere now. at least someone i can converse with, without feeling put down and below there level. still waiting to see one of the notices to quit the occupancy of the rented houses.
  14. have noticed that callcredit are one of the worse offenders for removing information from a credit report. i know of 2 defaults that have been removed by two different companies on my credit report at experian. but both are still on my callcredit report. even though i was informed they have be told to remove them by both companies.
  15. Cheers for that. i banged the question back at them about it. think i have another question for them now. how can a mortgage account have two defaults against me. one for the whole amount and one for the monthly payments. i only really have one debt with my mortgage company and that is the full amount. i think it is time to Keep the CRA's on there toes and make sure they are doing there job and check each and every default someone wants to file against someone. that is there job right. so far i have had good results to get files amended to reflect a better judgement of me as a person now compared to me 5-8yrs ago.
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