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Found 20 results

  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. I am looking for some advice regarding removal of Arrangement to Pay markers and a default from my credit report. I have an outstanding balance of £3486.90 with Link Financial who took on the account from Barclaycard in February 2015. Barclaycard applied markers to my credit report from April 11 to February 15 when they marked the account as settled, following an SAR it doesn't appear the account was ever formally defaulted. I was on a DMP until recently when I sent a section 78 request to Link and stopped paying. They did not comply with the request and subsequently issued
  3. Hi Folks, This is my first post on this site so I apologise if I haven't posted in the right place or if I don't use the correct terminology! I will do my best. Also I a big thank you for all the great advice! I have two issues I'd like some advice on but I will deal with them separately. 1. In January 2013 I received CC papers issued by a solicitor acting on behalf of Nat West Bank claiming I owed a total circa £7000 including legal fees and costs . I had defaulted on a personal loan (£1500 outstanding) and I had become unable to service my overdraft (£5000). After taking
  4. my partner is looking to apply for a mortgage soon I've been helping him look into his credit files etc. I noticed in 2011 he has some AR markers from Vodaphone. He can't, to the best of his knowledge, remember any such arrangement. Account opened: Feb 2009 Account closed: Jan 2015 Account status: Settled/Closed Following dates marked with 'AR': 2011 - Jul, Sept, Oct, Nov, Dec 2012 - Jan Dates thereafter: Feb 2012 to closing of account in Jan 2015 all marked as 'OK'. We've wasted two afternoons trying to get clarification from these jokers. Firstly
  5. I've been on a DMP now for over 7 years and am looking into what I should be doing now. There are 6 accounts remaining on the DMP, 2 of which have been reassigned and are wtih Debt Colletion Agencies, the other 4 are with the original creditors. Default Notices were served on all these accounts and my credit file is no longer affected by them. I've had a look through some of the threads on here and it seems that I should be issuing CCA requests to the DCAs at least to see if the debts are enforceable. Just wondering what the position is regarding accounts stil
  6. Hi, Looking for some advice. Back in late 2010 my finances hit the skids somewhat and I've been trying to recover ever since. I had large debts mostly on credit cards and negotiated reduced repayments on all of them. 4 of the credit card companies defaulted - these defaults will drop off my credit file over the next year or so once six years has passed. However Barclaycard never defaulted either of the two accounts I have with them. Initially I made token payments of £1 for 3 months on each account and then agreed a reduced monthly payment after this. M
  7. Morning..... I have a bank account due to drop off CRA in October this year. The first marker 1 month late is may... What would be the SB date may or Oct ? When can I stop worrying about any potential action ? No contact for many years CRA is updated with current address. Majority of balance it is > 1400.00 is charges so happy to let dogs lie. I imagine this is why no action taken against. Only got an OD on this account as an upgrade as I needed to pay for a season ticket for 1st months work after being out of work on disability for a few years, they were also
  8. Trying to fight the demoralizing Credit Repair battle. I have been registered with Equifax for a good year or more as I think that Experia n is a complete rip-off at £14.99! Forget snail mail method as I'm trying to be pro-active here. problem is Equifax have never reported any issues with Provident - not even on my Credit File and was totally unaware that they registered with the CRA's for reasons I wont go into of how credit was handed out "back in the day". my wife told me about Noddle which use Call Credit and I therefore signed up to the utter disbelief that
  9. hi there, Looking for some advice. I had some financial difficulties back in 2006 and defaulted on a number of credit cards. Barclaycard didn't default me but marked it as an ongoing arrangement to pay which I understand is common for them. If they had defaulted me in 2006, it would have came off in 2012. I have records as early as 2009 of me writing and phoning them to request the arrangement come to an end however they kepts auto-renewing it. I have just settled the balance of the account and it was closed yesterday. I wrote to them quoting the ICO on the guidelines for
  10. Hi, I recently noticed on my credit file some late payment markers from British Gas for electricity and gas accounts. The markers were on Feb/Mar/Apr 2012 and were showing as being 1, 2 and 3 months late respectively. I was not aware of these late payments being marked against my credit file. However a bit of history on this: in 2010 my flat that I rented to my tenant caught on fire (well the one next door but it destroyed the roof of the entire tenement building). This gutted my flat and left everything inside it destroyed including boiler, gas meter, elec meter etc, everythi
  11. Hi, As per the topic.. the story goes: I had an overdraft on my Lloyd's account of £1000, which was used occasionally, but I hadn't really been using this account much as it wasn't my main bank account. Around April, I had very recently changed address, and (as far as I can recall) I hadn't yet notified Lloyd's of my new address. After being a bit short of money that month, I used this Lloyd's overdraft a couple of times, and it was up to around 800 pounds in total. Shortly after moving house, I realised the the overdraft had suddenly disappeared from my account,
  12. hi, im new so please be gentle with me:wink: been looking through my credit file and have notice welcome finance have put more than a dozen late markers of 6 ,s on my file ,actually over 5 years worth and has never been defaulted i had car with them over 7 years ago and had paid more than half and volunteered to hand car back and that would be it as i had paid more than half seems for over 5 years its geting late markers on my credit file and i heard from a friend that ICO says after 6 late markers it should be defaulted ,is this right ? ive heard nothing for o
  13. Hello, I've recently had a payment plan set up with O2 for a couple of bills due to being unemployed, I then got a job and agreed a payment plan for these bills, whereby I was told, that because I had rung up and set something up with them to pay my outstanding bills, that there would not be any late payment markers placed on my credit file. However, they have now put late payment markers on my account. I sent an email to their credit referrals email address and was told that even though they had told me over the phone and that I had an online chat with O2 stati
  14. Hi, I have AP markers for a credit card which was settled and closed in March 2011. Do I go from this date, for it to be on my credit files for 6 years??
  15. I have a second mortage with kensington and ran into arrears in october 2007 cra states 3 months in arrears at this time. I was taken to court and kensington got a spo, I maintained payments and finally in march 2013 mamaged to clear the last of the arrears and have maintained up to date payments. This took a long time mainly because of the charges kensington applied to the account. During this whole time they have been marking my account as AP. Whilst I hold my hands up to the fact that I had arrears I have worked really hard to pay them off.
  16. Is there any way i can get late payment markers removed from my credit file, even though it was my fault that i paid late, all the accounts are finished and paid, theres no defaults just late payment markers on them, i have written to some of the companies but all they say is they are showing a true reflection of my account history
  17. I know AR markers = Arrangement to pay but i've heard they do more damage to ur credit file than having a default, is this correct? Also, for those struggling with QQ, have you seen their new advert since these, and 49 other companies were told to clean up their acts lol
  18. Hi I have been looking at my credit report recently. I have four active accounts, all green, so no problems there but I have one settled account (a loan with Natwest settled Nov 12) which was over a period of seven years and has a couple of late payments on it and in 2011 had one AP marker. How detrimental will this be to my file and obtaining future credit. I am not looking to obtain credit right now as I have a couple of defaults to fall of over the next couple of months but am working on improving my credit report.
  19. Hi, As advised I have started a new thread regarding this particular account on my credit file which I am looking for advice about. I took out a store card with topshop in 2003, in 2006 I got in to difficulty with my debts and offered to pay a token amount per month. I have a letter back from them from 31/01/2007 saying that they accept my offer per month. I paid this until October 2007 (this is the last payment I can see on bank statements) and then couldn't keep up to my arrangements so stopped paying. I have no correspondence from them except the letter in Jan
  20. hi guys ,im new so pls be gentle with me im hoping im going to make sence of what im trying to say ,i stupidly took loan from welcome finance 8 yrs ago to pay my mums funeral ,1 year after loan started i got ill and had insurance so that helped for a while ,when i started payments again loan seems to have doubled so went to dispute nothing was resolved this was 6 yrs ago but WF are still puting late payments markers on my file since 6 yrs ago it has never went to default ,im asking for advice how to sort it out cos ive no idea also ive not heard nothing from WF and seems they now sold
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