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  1. Good morning, I have outstanding balance with EON for £624 and have done since 2016. I have always disputed this balance as it appeared far too high for 2 months bills where I was not living in the property due to renovations work. The last payment on the account was in September 2015. To cut a long story short, I was due to set up a payment plan with simply past due credit who put the account on hold after I questioned EON sharing 6 late payments on my account in 2016. EON refused to refuse the payment markers and I wrote to the past due credit in February 2018 again asking to set u
  2. Delayed flight compensation Jet2 - We have had a long and frustrating 9 months trying to get compensation from Jet2 for delayed flight LS606 from Malaga to East Midlands on Monday December 11th 2017. To jog your memory there was some snowfall on Sunday 10th December across parts of the midlands and the south of the country. LS606 was 3 hours 41 minutes late arriving at East Midlands. We put in a claim to Jet 2 by way of a letter (and two follow up letters) and it was repeatedly denied because of ‘exceptional circumstances’ which Jet2 tried to suggest was adverse
  3. I had my home repossessed in 2009 due to a change in circumstances. The mortgage was with HSBC who marked the debt as 'settled' on my credit file in 2011 although I owed them money. This was removed from my credit file at the start of last year since it had been 6 years since the settlement date. I am certain that I had PPI on this mortgage. If I try to reclaim this PPI will it awaken the debt? I have seen the rule of 6 years for standard credit card and loans but wondered what would apply to the mortgage?
  4. Hi All I had a trip/slip over 4 years ago with the offending council admitting liability immediately. The case dragged on due to the fact that my legal team changed three or four times and a lot of time was wasted. Eventually a competent solicitor was appointed and an agreement was made to settle the claim (we were due in court on the 2nd June) on the 24th March 2017. A time frame was given of 4-6 weeks but usually much sooner than that. It is now the 18th May and I have not received my money, I have called and emailed my solicitor every day this week and have had no response.
  5. This is not for me but for my ex partner In 2013 she got a claim form for on old Three debt (sent to my address she she had not lived for 12 plus years) I helped her with the claim form and to cut the story short she went into mediation and agreed a settlement. Which she paid by DD to the account as specified by Lowell/Howard Cohen. So all paid up and completed, no CCJ, no action, no more letters. Now jump forward to 2017, letters start coming through my letter box from Lowell for her, which I pass on. They claim the debt is still owed, they have CCJ and no
  6. Hi all, Bit of background ... I fell into a bit of money trouble back in 2011/12 and fell behind with a multitude of things, which manifested in 7 defaults being placed on my credit file (I know, right?). I'm glad to say that all is reformed, I'm in stable employment, my finances are doing great (aside from not being able to get reasonable credit, of course) and the defaults have started to drop off (3 down, 4 to go). Once I had gotten myself back into full time employment, I settled all of my debts outright. One in particular was a credit card with MBNA/Virgin. I set
  7. Hi there, Just a quick question which I hope someone may know the answer to. I have a few debts with debt collection agencies which I am paying monthly to. 2 of the debts are with one agency but only one of these shows on my credit file as the other 'dropped off'. My partner settled the account showing on the credit file in full using the agencies online payment facility. The question is will this account/debt show as paid in full on my credit file or will I have to settle both accounts with this agency first? kind regards Robert
  8. :-)Hi Have 2 NatWest credit cards taken out about 1995/1996 - on which I have been making token payments of £2 per month which just jogs along. £1400 outstanding on one card - £2200 on the other card. Token payments commenced about 2 years ago as lost job due to illness and have not worked since. I am 65 and now have heart failure problems - so trying to sort out affairs in case of further problems. I know I should CCA them - but what then. Do they write off debts? My GP can confirm my health position. It's crazy really - we all bailed out NatWest during banking crisi
  9. Many questions have been raised about Credit Files. A lot of confusion exists about how to interpret elements of a CR (Credit Report) However, don't fear, the wonderful people at Experian have helpfully explained when you should see "Settled" or "Satisfied" on your CRA Report. This includes accounts that have been subject to arrears but not defaulted. So if you default on an account, once paid off this will change to "Satisfied" Please remember that when negotiating a Payment Plan at a discounted rate, the Creditor has the legal right to change this status t
  10. this could be a very stupid questions but I notice on my CRA files some loans/debts show as settled whilst others show as satisfied. Which is better? I ask as I have an aqua card debt I need to pay and want to request a full and final settlement figure but part of my request is also asking that the debt be shown as nothing else owing on it.
  11. Hi All, I am trying to get any information possible on the removal of Settled Accounts that were in good standing from the main credit agencies. I used a well known payday loan company back in 2013 and rolled over the loan a few times and always paid early and in full. Never late and no negative info at all. However fast forward 3 years , I am trying to secure a mortgage and have been refused due to having 6 entries from a specific payday loan lender. Even though they are all settled and paid and closed they underwriters see that as there were 6 entries, that I am a risk !! I
  12. Hi, I am currently in the process of beginning to tackle my debts and clearing up my credit file, with the end goal of getting a mortgage, admittedly in a good few years! I have a number of defaults from payday loans which are due to fall of my credit file in 2-3 years. However, I have been considering entering a DMP or TDP with a debt charity. However I am unsure if this would just mean the debts would be visible on my credit file for longer. If I enter a arrangement to pay with any of the creditors that have registered a default, will that just start the 6 year
  13. Help and advice welcome. To end my debt nightmare a family member has offered to help me pay off my debt. I wrote to Cabot saying that a family member was offering to pay £800 for a full and final settlement. The original debt was for £4000 and was a CC. There are no charges that I can claim back, I just want this sorted before I move house. Cabot wrote back saying. “I am happy to accept the £800 you have offered as a one off payment to close the account. If you still wish to proceed with your offer, once the payment has been received your account will be
  14. hi all - general question on behalf of a colleague - if a settlement out of court is achieved directly with TOC are there any trace records that police / imigration this could surface up on please? i read somewhere that even if you settle, whilst no criminal record surfaces, there are other more detailed checks (Enhanced CBA) that may still pick this up? personally i am not at all convinced as the only record would be on the TOC DBase and the matter being settle financially suggests any record would be more akin to a Penatly Fine than anything more serious. views? thank you in ad
  15. Hi All, I was wondering if someone could help me please as I am a bit confused as to Settled accounts and dates they are removed. I have managed to settle all my debts finally and I am trying to be realistic when I will be able to apply for a mortgage so trying to work out dates etc. There are 8 showing as Settled and 3 credit accounts as up to date and have't had any issues. Could you tell me how long a settled account stays on my file for is it 6 years? If so when is the date from? Is it Default date? of Satisfied Date? or any other I haven't thought of. Also if
  16. I sent paperwork to them a couple of years ago, which they rejected. Two weeks ago, out of the blue, a reversal of their earlier decision and an offer of £5K to settle, which they credited to my account last week. Seems like the regulator is finally making some progress.
  17. Hi I was wondering if anyone could advise me. Back in 2010 I had around £32k of debt (mostly credit cards and and a loan/overdraft). I lost my job so I stopped paying my debts, as I was no longer in a position to pay them. Over time I got back into work, however I was now being offered partial settlements on some of my debts and because of the massive hole I was in at the time I decieded the best way to clear the debts would be to take up this option and pay a reduced rate. I typically paid around 33 per cent. Using this method I cleared all but 1 of
  18. Hi there, 18 months or so ago I was going through some hard times and stupidly relied upon Payday loans to keep me afloat. Most of the loans (had around 10 in total, all with Wonga) were around 500 pounds and all were paid off before the due date. 5 years before all of this I had had some trouble with credit and unfortunately got a default from a lender meaning I was struggling to get credit anywhere else. At the time of signing up to Wonga they were running their 'Wonga will do wonders for your Credit File' campaign (http://www.dailymail.co.uk/news/article-2237712/Wonga-sorry-s
  19. Dear all, I had two credit cards with Lloyds which I settled in 2010. The debts were at my previous address (when I was with my partner) and that address is linked to where I am now. I have been away from the previous address since 2007. I settled the debts in 2010 but continually get refused credit because of the link. Although I settled the debts (and have statements to prove this), the Equifax records show settled in 2012. I spoke to Lloyds and they told me that the accounts were still open until 2012 although I remonstrated that I asked them to be closed once settled in 2010. I sug
  20. Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to re
  21. hi everyone recently had property repossessed by nram and left with shortfall. shortfall now settled and account balance is 0. my question is now the account is settled can i still claim back all of the ridiculous charges and fees they applied to the account, over the last 9 years? cheers
  22. Hi All, I am looking for a bit of guidance. In September last year my partner received a letter from a recovery agency stating they where working for Liverpool City Council and recovering debt in the region of £550 for unpaid council tax. My girlfriend did recall a previous council tax debt from around 5 years ago that she believed was settled, so that week she visited the council office to enquire. They explained it was a debt from a previous address several years prior, in an attempt to just close it off she offered full payment there and then. The counci
  23. I received a letter from one of the debt companies that have taken over a debt I had for £165 they offered me a settlement payment of £50 so I took this offer and I have paid the £50 The guy I spoke to was rude and very unhelpful! He told me that this account would show up as Settled instead as Satisfied .. If I were to pay the £165 then it would be satisfied, he then went on to ask me a number of questions as to why I could afford to pay £50 but yet I can not pay £165. So I am wondering what the difference between Satisfied & Settled is ?
  24. Slightly complex claim here. I topped up an Egg loan at the beginning of 2007. The total cash amount of the loan was £9331 and the payment protection premium lent was £1730.85 with the total amounts payable at £10668.00 and £1979.04 respectively. I subsequently defaulted on the loan and it was sold to various debt collection companies, ending up most recently with Arrow Global. They stated that the purchase balance of the account was £8193.79, down from the £11061.85 advanced by Egg. Added to the complications, I now live in the USA. Restons for Arrow Global obtained a CCJ by default
  25. Hello all, Essentially I have just had my full & final response from MBNA from my complaint regarding their handling of my credit file since I started a DMP back in 2006. They never defaulted the account but listed it as AP for a significant period along with around a year of various missed payment levels before I partially settled the account in 2010. (see the CRA image below) [ATTACH=CONFIG]48033[/ATTACH] I am drafting a complaint to the ICO and probably will send a concurrent complaint to the FOS. Obviously I have more documentation to go with this - b
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