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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 up a payment plan but received nothing back. Last week, out of the blue, I received a letter from EON requesting a the full balance by 31st January or a default would be put on my account or if I did pay monthly by arrangement, "we will share the information about the arrangement with the CRA". My credit files are squeaky clean and near maximum with both agencies apart from the one with Equifax which bizarrely after 2017 showed payments on my account to EON then last month it showed a late/missing payment in December 2018 despite no arrangement being in place. I want to pay the full balance but am worried about how negatively it will impact my credit history as I've heard that "settled" can be viewed very negatively - some also say that a payment arrangement can be almost as negative as a default! Could anybody kindly give me some advice please?
  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 weather. To cut the long version short, we issued county court proceedings in January 2018 and Jet2 responded by appointing a large London firm of solicitors to fight their defence. The defence received was laughable and was mistly wrong, inaccurate or downright offensive. One part that sticks out to me was the following: ‘The defendant does not admit nor deny that the claimants presented themselves for check-in’. In other words, although they do not deny it, they wanted us to prove that we did. Of course, by law they have to keep records of who actually boards and travels on all aircraft. For the last 9 months Jet 2 has tried to convince us that LS606 was delayed due to adverse weather but I can prove that it was not and will happily forward that proof onto anyone who also wishes to bring a compensation claim for the same flight. The PREVIOUS flight, LS605 was delayed leaving East Midlands and that it was actually made our flight delayed. But although Jet 2 will again tell you that LS605 was delayed by adverse weather, that is also untrue. The actual reason LS605 was delayed was a lack of de-icing facilities and supplies. Something confirmed on bvoard LS606 by the captain in Malaga. On the day in question I have records of every flight that landed and departed from EMA between 05:25 and 15:13. Not one aircraft was delayed from landing at EMA and of those that did land, not a single one was delayed in departing again. Only aircraft that had been parked overnight had any delay and of those only some of those. This was ultimately Jet2's downfall. Adverse weather either effects all flights atbthe airport or it doesn't. De-icing is more selective and thus the can of worms is opened. The two flights in question are LS605 and LS606 on Monday 11 December 2017, both of which used a Boeing 737 aircraft with the registration G-JZHL. This aircraft was flown EMPTY into EMA from Birmingham on Saturday 9 December and it sat fully exposed to the forecast snow conditions until it was required on the Monday morning, 36 hours later. THAT is why it needed de-icing and the lack of said de-icing is why LS605 was delayed departing and thus why LS606 was subsequently delayed. So, ANYONE who travelled on LS606 should claim compensation under EU regulation 261/2004 and I would strongly advise you to claim from Jet2 without delay. They WILL deny your claim and will most likely string you along for months also, but persevere and like us you will get your compensation. Our court case was due to be heard in the next couple of weeks and out of the blue Jet 2 decided to offer the full claim amount (including the court fee) last week. This morning we received the full claim amount into our bank. Jet2 tried to incorporate a ‘confidential’ clause into their offer, but I pointed out that they were not in a position to demand anything from us. They dropped that part in agreement of us accepting the full settlement offer. We did that specifically so we could tell you. So, if you were on LS606 make a claim. You are entitled to 400 Euros per passenger. I also advise anyone on LS605 to also claim because your flight was also NOT delayed due to adverse weather, but a lack of de-icing facilities. EU court cases have ruled that de-icing is not a reason to deny claims. I think it is outrageous that companies such as Jet2 will try this. They know they must pay but WILL deny your perfectly valid claim. They are simply hoping you will just not bother, or if you do bother will accept their rejection, or if you do issue a court claim will be put off by their big London firm and their 20 page defence, or that you will just give up. Be like us and stand up to them. Amount settled: £780.72 being 400 Euros each plus the £60 court summons fee. In case anyone from Jet2 wishes to contest what I have said above, I have the full documentation of the entire matter from letter 1 to bank payment today.
  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. He forwarded me an email from the other side stating the cheque will be with us 'very soon' over a week ago. Still nothing. I called the other sides solicitor yesterday from the information forwarded to me and he has not called me back nor acknowledged my call. I am at a loss at what to do now. Why would they settle and not pay out. Any ideas where I go from here as I cannot afford to jeopardise nor delay my payment any longer. I am on the verge of missing out on a business opportunity and also a holiday that I booked on the strength of the money being with me at the end of the 6 weeks. Thanks in advance
  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 now if she doesn't pay up (again) they will enforce the CCJ they think they have. Any advice I can pass on. There have been a number of letters now and I am thinking that she goes for harassment?
  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 settled this directly with them. On review of my credit file, I noticed that MBNA and PRA Group were reporting two entries for this same debt. I wrote to the CRAs and they removed the MBNA entry, leaving PRA, which is showing as settled. My question is, if I settled the debt with MBNA directly and they registered the default, do PRA still have the right to process my data and keep this default on my file? Surely if any default should have remained, it should be MBNA, since they are the only company I dealt with and the creditor with whom I settled the balance? Thanks for your help!
  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 crisis to the tune of some £20K+ each - so in effect they owe us! Your advices how to proceed would be greatly appreciated. Would it help to go through Citizens Advice or similar? Let me know what you think.
  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 to "Partially Satisfied" Settled Vs Satisfied.pdf
  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 have a good credit score and this is the only negative. This is causing me to have to look through other "brokered" lenders who all want to charge fees and I am looking at a higher interest rate also. It crazy that I borrowed and paid back on time and still penalised for it. Can any one give me any advise on how I can persuade the payday lender to remove the settled accounts from my files?? As its causing me financial issues if I have to pay a higher interest rate because of them. Any help appreciated. Thanks
  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 countdown again. So instead of falling of in 2 years, will it then mark as AP for a further 6 years from the date I entered the arrangement. The same with satisfied, or settled defaults, will it be 6 years from the date of being satisfied. Basically, by agreeing to repay the debts am I going to have a black mark on my credit file for longer than if I just wait for them to fall off? Any advice would be much appreciated. Thanks in advance.
  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 closed and your credit file will be updated to show as partially settled with a zero balance.” I am not interested in my credit file or obtaining credit in the future. Are Cabot trying it on by showing the debt as partially satisfied? Could the balance be sold to another DCA? If the family member wrote to Cabot saying that his offer is only made on the basis that the balance won’t be pursued by themselves or any other DCA, would that be any good. Any help or advice is very welcome.
  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 advance
  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 anyone knows, now they are settled does this increase my chance of getting credit or will be it once they are gone? I repaid them in November last year mainly, so its been almost a year Really value your thoughts, thank you.
  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 my debts by January 2015. Since the start of the year things have been going well for me in work and I along with my wife have been able to save a deposit for a mortgage. I then recieved a letter from the last remaing credit card offering a partial settlement on the account of 33 percent. I decided to take it as I believed it would help me get a mortgage as my credit file would show 0 debt. However I was aware that the likelyhood was the default and debt would be written off regardless in the next year. I have now found the company I am applying for the mortgage with belongs to the same organisation I have recently partially settled an account with. Can anybody advise if I am likely to get a mortgage because of this or should I try an alternative mortgage provider? Thank you in advance for any advice. elvis77
  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-sending-emails-implying-loans-wonders-peoples-credit-ratings.html) and saw them as a kind of win/win for me, enhancing my credit file as well as tiding me over. Now 18 months on, having a perfect credit file (old default had dropped off and been running a credit card perfectly for the last year as well as various utilities) I am in a position to obtain a mortgage. So I've looked at my credit file and lo and behold there are 10 SETTLED Wonga accounts listed on there. Having read through the forums, from what I can gather this will not help me out at all with any sort of application. I've approached Wonga about the removal of these entries as I believe they will hinder any chance of me obtaining credit, which was totally against their advertising campaign at the time of me signing up but they have basically fobbed me off with a blanket 'We have to keep an entirely accurate CRA log'. I would like to however take this further, what would my next steps here be? Would it be a solicitors job from here on in or should I contact the CRA's directly? Any help would be greatly appreciated. Thanks!
  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 suggested that they correct Equifax to reflect the true settlement date and they refused. I wrote to the CEO and his office upheld the refusal. The trouble is that Equifax shows the "arrangement to pay" marker on both debts until 2010 and then green boxes until 2012 when they eventually closed the account. Lenders are knocking me back because of the adverse information. Lloyds never did default me for these, otherwise they would have dropped off after the six years. Sorry for the war and peace.... Questions: 1. Have I got to wait until 2018 before these records drop off? 2. Can I get the linked address removed at all and when? Thank you, Jim
  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 really motor down the debts. So, as a starter, here are some of my most pressing questions: 1: I am having difficulty filling in my Income and Expenditure, as my income fluctuates. (I am working freelance, as am probably too old to be employed by a company.) I am wary of entering payment schedule and failing. Prefer to keep paying token amounts, then offer surplus every 6 months or so. Would creditors go for this? 2: I understand the first step may be to get CCAs from my creditors. Are there any downsides to asking for CCAs? Would creditors sense that I am trying to wriggle out, and go for asking for more, or get heavy-handed? 3: Are CCAs only for debt companies, or even the Originating creditor? (some of my debts have been off-loaded to debt-companies.) 4: What is the purpose of SARs? How does that help me? I understand they might be for finding penalty fees, etc? I know I accrued a lot when I couldn't pay any amounts when I started my downhill slide. 5: When offering Full and Finals, do I go for the biggest first? 6: I have been sold from one debt-company to another on some debts, I dont know what I am paying for on some of the payments!! Can I just phone them up and ask where the original debt comes from? (I have signed up with noddle, and got my list of creditors and credit file, so I have a starting point. I have been reading this forum for a few days, and have built up some knowledge, and seen how helpful this site can be. I would like to ask for some help in taking the first steps for an eventual bright future. PS: would it be ok to list my debts (with some fudging to protect myself) as a starting point?
  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 council rep refused to accept payment and said that she must deal with the recovery agency. Up until last week we had (foolishly) done nothing on this, until a agent working for Marston's turned up at the house claiming to have a liability order. I sent him packing without letting him in. The next day my girlfriend again visited the council and offered payment, this time the council rep accepted and even said she isnt sure why the offer was rejected last time. My girlfriend also explained she met the criteria of a vulnerable person due to ongoing severe depression and believed that the council should not have passed this onto enforcement without prior contact. The payment was made there and then and a receipt obtained. The receipt is simply proof of payment no mention of the debt or the LO being settled etc. My girlfriend was then told she needed to contact the recovery agency directly (was actually told it was Drakes not Marstons) to settle any of their fees. I have today written a letter to the council asking for a breakdown of the LO with dates, fees etc and asked them to confirm that is is now settled and any enforcement action has been withdrawn. Ive also asked why the offer was turned down the first time. I have written a separate subject access request to the council to check there are no other outstanding debts with them. My questions is what should I do next? Should I contact Marstons or leave that to the council? If they turn up what should I say? I appreciate how precious all your time is, any guidance is welcomed. I will obviously not let them in however it worries me that her car is often outside and it is not uncommon for the front door to be left open when the kids are playing out. Regards MJM
  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 judgment against me and I applied to have it set aside once I found out about it. I ended up deciding to settle with them and we eventually agreed on £3000.00 in full and final settlement of the account. So I have effectively repaid £5868.06 of the debt, plus whatever interest that I'm unable to calculate. In the meantime, over a year ago I was sent a letter by Canada Square Operations asking me to complete a complaint questionnaire, as I belong to group of customers who MAY have been affected by a PPI policy being mis-sold. I never sent it as at the time I still owed the debt. The letter they sent noted that the debt had be sold on to another company and asked permission to contact them to find out the status of the debt. Since I have now settled the debt I filled out the questionnaire and sent it off. I'm wondering what I can expect given the circumstances surrounding my case. I'm also wondering if they will respond to me at my US address?
  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 - but I have attached the key ones for now (a snapshot of the CRA file, my most recent complaint and their final response)
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