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Found 8 results

  1. Hi, I really need some advice. I am ashamed to say that I have 3 defaults on my credit profile due to taking out credit when I was younger that I could not pay back for 2 0f the debts are over 6 years old and 1 5 years. I am now in a position where I can start paying back some money. I would like to know whether once I have paid back all of the money will I be able to get the defaults removed from profile or will the default stay on my account 6 years after I have paid the outstanding balance. I did try to appeal one of the outstanding amounts previously
  2. Can somebody please provide some guidance on the following: Loan Should a Notice of Sum in Arrears be sent to a customer when their Accounts is transferred (due to Arrears position) over to Debt Recoveries under a Debt Management Plan. Is this a CCA requirement to send out a NOSIA at this stage of the process? I am aware that one should be sent when in arrears, but not after its been defaulted and in Debt Recoveries. Please advise
  3. I've just had the forms from NatWest for PPI on loans going back as far as 10 years. I'm a little confused as I was told (by NatWest) that there was a time limit of 6 years on making these claims. There are a number of reasons why I believe I'm eligible to reclaim the PPII was told repeatedly that not taking PPI meant I was more likely to be refused a loan My employment over that period changed between employed and self-employed, the staff who completed my loan application knew this and didn't imform me that this would mean I might not be covered by the PPI A staff
  4. Hi there, helping out my father in law. He has 10 creditors and an arrangement to pay set up for 9 of them. During the course of paying the creditors my father in law has received early settlement vouchers. Do I need to contact the debt management company to negotiate early settlement or can I contact each of them individually? Finally does anyone know what a typical settlement % a debt collection agency is likely to take? Thanks Sam
  5. I am currently doing research for the debt management program i am making, and had a wow omg moment there are over 550 Debt Collection Agency across the UK and my list is still growing. Maybe i shouldn't have been surprised but it did take me aback.
  6. Hello All I have loans with various providers. I appointed a debt management company sometime ago to freeze the interest rates and I have been paying reduced monthly repayment to the lenders. Most of my loans have now been sold on to third parties. A couple of these companies have contacted me offering to write-off up to 40% if I agree to make an immediaye payment of 60% of the loan. While this is generous I can't help but think these companies will make trmendous returns from the loans because they have been sold to them for a lot less than they are worth. I would like to know if th
  7. Hi there, I was very lucky to be able to cancel my debt management at the start of this Month. I left Harrington Brooks and sent them a Letter & Email telling them why, and also asking them to distribute the last payment debited on 30th February 2011 as previously arranged. Surprisingly, they have not done this, and by the looks of it, keep the whole last payment of £200! Is there anything I can do about this?! Any advice would be very much appreciated! Thanks in advance! Amy_J_x
  8. Hi new to the forum so bare with me please; I have got around 12 credit agreements on my credit file which about 8 of which have now defaulted and are now with debt collection agencies. I have contacted National debt-line and gone through my financial statement to work out if i can afford any payments. In the end they advised me to file for bankruptcy or ask them to write the debt off, opted to try and get them to write the debts off. I have written to most to all of them and explained the situation to them and attached my National debt-line ref. As expected they sent me templat
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