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About Me


Found 6 results

  1. Hi all, I am writing a SAR letter to Barclaycard as the first step towards reclaiming over limit and late payment charges. I've spent a couple of weeks reading various threads here that have been very helpful. I am trying to find the best address to send my SAR but am confused by conflicting information, some of which may or may not be out of date. London? Northampton? Knutsford? If someone could point me in the right direction I'd be most grateful - I don't want to stumble at the first hurdle! Thanks, John.
  2. Seems I'm poison to the mortgage companies, and truthfully I don't know why I'm such bad news. Please, really need help if there is anyone out there? Saw house, fell in love. For sale at £195k seller accepted an offer of £170k On sale for a while and it does need work. Salary is in excess of £70k Loans total £300 per month, as do two credit cards. Never been as much as a day late on any of them, that's in over 4 years. Default in July 2015 for utility company, I was in dispute with them regarding charges that didn't apply. CCJ July 2017 for £1,400.00 paid i
  3. At the beginning of October I booked a one night stay at the Black Horse Hotel in Otley via Laterooms for the night of 15/10/2016 at a cost of £80. The terms of booking are payment on arrival and if you cancel less than two days before arrival you forfeit the cost of the first night’s stay. On 13/10/2016 a pending transaction of £80 showed up on my account On arrival at the hotel I was asked to pay, which I did. This resulted in a second pending transaction of £80 appearing on my account, which, when combined with the £80 from two days earlier reduced the available balance by a to
  4. I'm not sure where I should post this if I need to move it to another part let me know please Looking for anyone with dealings or knowledge of woolwhich lending criteria. Situation is we currently have an off set lifetime tracker (0.03 above base) mortgage with woolwich at the moment soley in my husbands name. We are looking to move but porting the mortgage to keep the deal we have and will need to borrow additional to buy the new property, I now need to be added to the mortgage so my salary can be taken into account for the additional borrowing, but I checked my experian report an
  5. Just rejoined BT from O2 starting to regret it, would'nt have done it if they were'nt offering Infinity at the end of this month. Email from Equifax saying my Credit file had changed significantly sine last report. Checked it - paid the £5 odd. Am very alarmed and not pleased (actually ) to see my account being marked as being 6 months in arrears - nonsense I have only been with them 7 days! This has resulted in an "Excellent" score being reduced to "Very Poor". Fortunately I am not looking to remortgage in the near future. However, has anyone else had
  6. Hi folks, I'm in a position to pay off a lump sum on my credit cards. I currently owe approximately £4000 to MBNA (Virgin); £3,300 to Barclaycard; £4,000 to Ulster Bank; £9,500 to Halifax and £6,000 to Santander. There has been some history of late payment on all accounts but nothing too bad. Barclaycard has already closed my account although obviously I have to keep paying it off. Halifax have just sent me a letter telling me they are closing my account in 2 months time. I want to make full and final settlement deals rather than partial settlement deals, how can I best go
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