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Found 9 results

  1. Hello, I am looking for some advice. I applied for a mortgage in December after receiving a Decision in Principle earlier this year. I was disappointed for the application to be declined based on my credit file. I got a copy and noticed that a default from 2012 with Motormile had been moved to 2016, which is likely to be why the mortgage was declined as other than that my credit file is clear. I contacted Motormile who admitted to their administration error and said they would update my file in 4 weeks. After 4 weeks it wasn't updated so I chased again a
  2. Hi i need help, ive read through so many posts on here and they are full of really useful info, but im also confused with it all . Since 2006 i have been on a DMP and have just partial settled with them all. Most of the creditors defaulted me in 2007, when i started my DMP which i fully understand due to me paying reduced payments. After sending out mt partial settlements via payplan i have obtained my credit report and have discovered that after being on a DMP for nearly 7 years Lloyds TSB only defaulted me on 28/06/2012 freemans catologue defaulted me on 11/07/2011 Robinsonway defa
  3. So quick background. I took out an O2 mobile contract in Dec 2008 for 18 months. I paid up every month until the end. At the end i changed to a 1 year sim only contract with O2. I had moved house and o2 rep updated my address details etc for the new contract. I paid this every month etc until Aug 2011 when i cancelled the DD and got a new contract phone. Fast forward to last week and I applied for a mortgage and it was refused. This confused me as i had always paid my debts, had a good income plus a decent deposit. I got a free equifax credit report and discovered that I had a def
  4. Hi everyone Lloyds Tsb Customer Relations have advised that they will refund all the charges and the interest. The PPI complaint has not even been looked into yet, but told this is separate. The balance now stands at £500. LTSB state the acount was closed 30th November 2011 and passed onto Moorcroft. Who due to the dispute placed this on hold. This was then passed onto Wescot in May who also placed this on hold and ceased collection activity. Have letters stating that they bellieved LTSB were looking into this. More recently though Wescot state this has been passed onto Credit
  5. Hi all, How are people getting on these days with regards to having default notices removed from credit files after credit card companies pay back charges? I owe £338 on my account and have received £607 payment. I have had default notices which are for much less than the amount. I will have a hunt around the forum to see if anyone has succeeded to get these removed from NatWest re credit card charges but thought I would start my thread off. I've successfully won against O2 previously for the same thing. Also, is it worth asking for compensation in relation to the dama
  6. I am looking for a solicitor who specialise in credit consumer act and the ICO guidelines. Must have experience in application of default notices and credit reference agency. I would prefer someone in London, Watford or surrounding areas. Thanks madtergee16
  7. Hi All, Had a Capital One credit card with 200 pounds limit - at one point in 2007 it went upto 220 and over the course of a few months it escalated to 550! i wasn't aware of these charges as i didn't receive most of the paper work - also i was abroad for some of the time... i then partially settled it in 2008 - but was unaware that it will still be set as a default in 2007 and will not come off my credit file until end of 2013... I sent a letter in feb 2012 to the executive response team at Cap1 requesting for the default to be removed as it's ruining my life and that of my fam
  8. Hey guys, As some of you know I have been having problems with shop direct for some time, I have sent them a CCA which they replied with by telling my how many payments have been made on the account and a blank agreement. I then sent another request and they sent the same thing so I decided to sent another letter which looked like this ACCOUNT IN DISPUTE Dear Sir/Madam Thankyou for your letter of ______, the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for
  9. Hi there, everyone. This is my first post on a great website. I have been reading a few threads on defaults, as I have a couple on my credit report, and am hopeful if people can clear things up for me. Am I right in thinking that a default notice needs to be served when an account goes into default? If so, I did not receive this for any of the defaults. Should I therefore request copies of these? If they can't provide these, can I request that the default be removed? What's to stop them just making up notices on the spot? Also, the debts are still owed. Can I 'broker' a de
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