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  1. Hi All, I have an old secured loan with Welcome for £7000.00. Since Welcome went bust I've not paid anything (perhaps the odd token payment) and have dodged various DCA's. 2 weeks ago the current DCA holding the account wrote to me to advise that they will no longer rely on the security in my property and will take steps to remove the security from the land registry. This seems like a really odd thing to do but I am highly suspicious? Could they be up to something? Anyone else heard of this? Many thanks, Limelight Bournemouth BTW The account has al
  2. Hi Caggers! I have a friend who is at the end of her tether with Scottish Power. She has a Gas Key for prepayment, however, has not used gas for approximately 6-9 years, possibly longer. This was due to the boiler breaking down and this was the only usage of gas, therefore she only uses electric immersion for the water heating. SP sent an invoice for money owing and after she quizzed them due to none usage they told her it was for X amount of standing charges for the gas meter. The agent for SP told her to ignore the bill due to none usage of gas and therefore she accepted tha
  3. How horrible can some women be! I had a similar with an ex. She had a credit card on my account. When we split up the card company wouldn't cancel it. They said i had to cut it up and return it to them. One day she called at my house and left the card - so i cut it up and returned it. I even phoned them and told them what i had done, again asking them to stop the card. They refused - "until it arrived". My ex made one call, said the dog had eaten the card and they immediately sent her a new card. Naturally they refused to do anything for me. Ditto the police.
  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. My late mother had dementia. She was also quite secretive so I knew nothing of this story until just prior to her death. She owned a property and ran up large debts and was sued by the department store's legal dept. They appointed golden boys Restons who succeeded in getting a final charging order on the property in 2012 following a CCJ in 2011. She paid £67 per month until her death last year. The property is in the process of being sold but a lifetime mortgage has to be paid off first. Unfortunately Restons are being tardy in processing relinquishing the charging order but...
  6. Has anyone had any success in removing closed payday accounts from their credit file? Unfortunately a few years ago I took out these loans and paid them back on time so all good with no defaults or late payments. The problem is they are screwing my credit file just by being there. Thank you.
  7. I'm pretty sure this can be done using the law / courts if necessary - my problem is that I don't know what laws to cite and I don't have the funds to go and see a specialist solicitor.... The story in brief: I had a credit card with MBNA. MBNA (improperly [i believe]) assigned the debt to IDEM in 2012. IDEM and I fell out in 2013 - I stopped paying. We went through the tos and fros of asking them to provide paperwork. They couldn't - they defaulted the debt in December 2013 and (improperly [i believe]) assigned the debt on to Arrow Global at the end of 2015. Arr
  8. I took out an O2 Refresh contract in July. The SIM was never used. I was out of the country in a remote part of the world (I am now back in the UK). I tried to cancel and pay off the contract over the internet/live chat, but this was refused and they told me I had to call them. I called them on three occasions to do this (which was quite problematic due to my location), the outcome was instance 1 my card was declined and then they told me they couldn't retry the payment with a different card because their systems only allow a payment attempt by ANY card once per da
  9. Hi, First thing is that this is on someone else's behalf so I'm a little vague on exact details. The situation is simple, resolution might not be! Many years ago a lady put her property in joint names. She is still alive, albeit in her 90s and no longer lives there. The co-owner basically haven't been seen, heard from or otherwise around for 10+ years. I am unsure if they have a financial stake (as in paid anything toward) the property, but I believe not. The lady would like this property to go to a different relative instead, or be sold. However as she isn't sole owne
  10. Halifax mortgage. never missed payments until last year. my deal allowed for a repayment holiday. went into branch explained in difficulties, was given 3 months 'off'. may, june, july. my situation hadnt improved so then missed August. Saw their field agent [charged for] who took full statement of particulars etc; and i asked for help via interest only option. i made the payment for September. Eventually got letter confirming a reduced payment for oct, nov, dec. i took this for an interest only due to the figure offered. however struggled so henc
  11. Not sure where to start with this one. After a period of terrible financial decisions (or more aptly completely ignoring financial issues) after the breakdown of my marriage, I am now trying to tackle my financial situation head on and trying to fix my credit record. I have 3 defaults showing on my account, all to Lowell Group. One is for a debt of £1900 for JD Williams catalogue in 2008. I opened and account and my ex-husband bought a ton of stuff on my account, and like many of his debts to me, didn’t pay it. I had contacted JD Williams back in 2008/9
  12. Hi all, I'm getting a bit lost with the huge wall of information available on the site, and I was hoping someone could point me in the right direction to help me straighten things out. I've had several thousands taken from me in bank charges in the last 7 years (I know you can only claim for the last 6, found that much already!) mostly because the charges themselves have dropped me into an unauthorised overdraft so I've been charged on them too. For the last 3 years I've been on benefits and the charges have kept coming in. I'm not at the point where Lloyds TSBs new charges
  13. My girlfriend had a number of debts from 2008 and before. She totally ignored them and didn't know what to do and how to go about addressing any of it. Thanks to some very helpful information from this forum - we sent SARs and got back lots of information in 2012. We decided to "sit tight" with everything and wait things out until they became statute barred. As far as I can tell (having waded through the reems of information sent back) they are statute barred now (no payments made in 6 years +).. .with the last one to become so next month - July 2015. This
  14. Morning all technical bods. For ages now my MSE has detected and quarantined this gem SoftwareBundler:Win32/OneClickDownloader MSE gives me the location of it but for the life of me, I cannot find it Anyone have an idea??
  15. Hi My partner and I are looking into equity release. He is nearly 65 and I am 52. As I am underage they have said that i would need to take my name off the deeds. My question is how expensive is this and how do you go about it Many thanks
  16. This is not an area i have had much experience in so I was hoping that someone maybe able to assist. A friend of mine was a director of a small company (along with 4 other people) and also listed as a tenant on the lease for the shop. She's currently in the process of leaving the buisness and has I belive removed herself as a director of the company and signed over her shares. The only thing that is left is the lease for the shop, as i say there are 4 tenants listed on the lease (being the origional 4 directors) what would be the process for removing her from the lease? as i assume u
  17. Hi, I have a default on my file from arrow global of £955. I sent a 'Prove it' letter about 4/5months ago and they responded saying they have no information on me, that they are looking for it but in the mean time they wont pursue me for money and they are not removing the default. trouble is now i cant get any credit at all. Im thinking of paying them a sum for them to completely remove the default. how would i go about this? what sort of offer shall i make them? are they to be trusted not to chase for the remaining amount? has anyone else done this
  18. A friend received an email that their loan was being written off as per their new lending criteria. They received the following info in their email : What happens next We will automatically clear any outstanding debt you have with us and your balance will be set to zero. This will be done by the end of October 2014. You do not need to do anything. We are working with the relevant credit reference agencies to remove records relating to this loan from your credit report. We expect this will take between three to four weeks to be completed. This will be done automatically an
  19. So i have a family wedding coming up soon. The groom has fallen out with his mum several years ago and does not want her at the wedding. The mum is adamant she is coming to view the ceremony at the church. Is the following i have been told correct? Anyone can come to view the wedding inside the church because its public, you cannot ban or stop anyone entering. The mum cannot be removed unless she makes a scene. In fact if anyone tries to remove her or starts to 'kick off' they can actually get into trouble themselves? Thanks for any help clearing things up and have pity on this
  20. Hi guys, I have been silent reader of the forum and I must say that the shared information/experiences is very helpful indeed. I wonder if anyone could help me with my situation please. I requested my Credit File from Equifax and found 3 default accounts in it which has latterly messed up myrating sadly. I was into financial mess during 2012 and on the top my father’sill health forced me to abruptly travel to my home country in July 2012 due to which I could not keep track of my finances. 1. Lowell Portfolio Ltd Current Balance: £72, Default/Delinquent Balance: £120 Start D
  21. hi. looking for some help. just had a bit of a harrowing experience. came home to find a person knocking my next dooe neighbours door. i said hello and went into my house. 2 minutes later this chap knocked the door and introduced himself as a baliff from Swift Credit Services working on behalf of The Vale of Glamorgan County Council. He handed my a piece of paper saying that he has secured the debt againt my car outside. And i didnt pay up in full within 5 days they would be taking the car. My car was secured against a previous debt I had with the Vale of Glamorga
  22. Hi All, I am new to this site and first of all i would like to say good work on all the advice that you post its helped me a fair bit! Anyway at the moment i am looking for my first family home and obviously looking at applying for a mortgage. After looking at my credit file i have two defaults in regards to payday loans. One with Wonga and One with Lending Stream. The good news is i have managed to remove my Wonga default! So i've come here to share the e-mail i sent to them to try any help anyone else in the same situation! My E-Mail to Wonga: Mr Dannyboy253 1a
  23. Hi. I have 2 small debts (from telecoms companies), caused by my own silly oversight at the end of contracts. The Lowell one originally came from o2 (for £42), and I recently settled this in full. The T Mobile £20) one I about to settle, but I am going to use repayment as a leverage for having the default removed. These are rather low amounts, so I was wondering what my chances are of having them removed, by either cajoling or threatening them with legal action if they can't prove the defaults were served correctly. A copy of my letter (I've changed it slightly to suit
  24. I'm getting all in a muddle. I read its possible then I read the oposite Basically I sent SAR to halifax and egg. Both packs came back and both were missing the defult notices that appear to be the key to success in removing defults My phone call to halifax yesterday suggested she will only send templates and Basically I had terms and conditions so the defult notice wouldn't matter anyway Can you get defults removed or is it pipe dream? They were dated 2010 when I was out of work and too young/inexperienced to know that mistakes made now would cost me so much in fu
  25. Back in Jan 2010 I had a CCJ made against me by Capquest recoveries, I then paid it off over the course of the year and was settled early in 2011. I'd a lot on my mind at the time so I didn't give this a 2nd thought. Now fast forward to last week I was going over my credit file and this CCJ was the only blip on an somewhat perfect credit report, only 1 late payment in 6 years and that was 5 years ago. I set about finding out about what this judgement was for as debts being statute barred after 6 years(5 years in Scotland) When I phoned Capquest for the br
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