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About Me


Found 7 results

  1. Hi everyone, moderators - please move this post if I have posted in the wrong forum. I have discovered that 1st direct have registered a default against me, in 2014, for a Barclaycard debt unacknowledged since 2003. I only found out when I was turned down for a bank loan this year (from a bank where I've had my current account since 1984!) Having read these forums, I realise this isn't that uncommon, although it seems completely immoral and unethical to me. I have submitted a SAR to Barclaycard, but they have said it will take up to 40 days to reply (and to ring if it stil
  2. I am thinking of applying for a mortgage this year, so thought it would be good practice to check the old credit file. I found that a default had been lodged on my Call Credit file for £5,650.00 by "Barclays Partner Finance" ( default date has been set at 11/05/2011 ) when I am sure they have changed the date of default forward, as I defaulted on that loan way back in 2008. But on top of that, they forwarded that same debt onto a Debt Collecting agency called "CapQuest Investments Ltd" who have set their own default for the debt - Date 31/12/2009 amount £5,961.00. I am
  3. Hello, does any1 know if a bank can transfer a credit card balance to a higher intrest account after you have defaulted the card.?
  4. I have a cashplus pre-payment mastercard. They even gave me a £100 overdraft. I used the overdraft and i ran into financial difficulties. They sent me a Default notice served under 87(1). The card is back in credit after about 8 months of receiving this default notice and no Default has been registered with the credit agencies. My question is: Can cash plus issue a Default notice just on the overdraft and register the default with the credit agencies. I know this is all academic but just interested to find out Thanks
  5. This is realy starting to annoy me, i have microsoft office 2010. i have it set as a default for english UK. The problem is that when it goes into the auto correct mode, its back to english US This seems to be a glitch just when it goes into auto correct, anyway of setting auto correct by default into english UK
  6. Hi Everyone, I know this is my first post and it's asking for help, but I promise to help others learn from my mistakes and contribute to the forums. Anyway, in mid-2007 I lost my job and decided it would be a good idea to ignore all my debts. Bad move. Since I defaulted in 2007 with ALL my accounts, I applied for a copy of my credit report from Experian to see when exactly my defaults would 'drop off' my report. The first issue is Welcome Financial Services. This started as a HP for a car at £235 monthly, then in mid-2007 when I lost my job they said 'no problem, we can
  7. I have spent the day reading all of these threads about MiniCredit and how they have treated people when they've defaulted on their loan. I will owe £589.90 (incl interest) next Sat and do not wish to attempt to roll over the loan again. I have already sent them three emails in the past two days to ask how their partial repayment works and was shocked to discover all of those additional charges they add on a daily basis. I got their usual standard uncohearant reply: Dear xx On the 1st day overdue £25 penalty will be added and on the 3rd day overdue a second penalty of £55 will be ad
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