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    • A key member of the US central bank, Raphael Bostic, tells the BBC rates might only ease "at the end of 2024".View the full article
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    • OK, thanks, I won't wait for them. On a side note, some of the posts on here are a bit frustrating, I read through five pages or so of someone going through the court process rooting for them as I'm reading, then nothing, not heard of again. Left here wondering what the outcome was, lol!
    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because there was still £69 owing, I paid it and thought it would correct once the CRA's updated their reporting cycle. However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account ......... has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
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I'm new and need some advice please!


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Hi

 

I'd like some advice please. I have lots of debt left over from my student days. I was paying reduced payments for a few years, and they were reducing slowly. However, I dropped the debt managment company as they were charging a ridiculous amount of money which I wanted to use the pay of the debts. The creditors then got stroppy and started wanted to do detailed finiancial analysis on a regular basis, started adding on interest, demanding more money etc.

 

Around this time I got married and moved house. I decided not to tell them for a few weeks as I needed a break from the stress. Anyway, for one reason or another it has now been two and a half years. I have not contacted them, they have not contacted me.

 

I feel really bad about this, I know I should be paying them back. I am also having trouble avoiding credit checks, as I want to avoid linking my names and addresses.

 

Part of me wants to ride it out and wait until the debts have expired. Another part of me wants to pay everything off and start afresh. The problem is, I want to pay it off on my terms - i.e. pay each creditor of with a lump sum which I have saved up, rather than pay regular tiny amounts which don't even reduce the debt in any noticeable way.

 

Any words of wisdom would be greatly apprciated.

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There's quite a big one to a major bank (cancelled my overdraft and forced me to convert it into a loan which I couldn't afford to pay back - around £3K) around £1k on an egg card, AA loan, around £1-2K, and two credit cards, £500 and £200. All unsecured. I feel really bad but I'm not even sure how much I owe to the bigger ones - hhave been a total ostrich!

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Debts become statue barred six years from when you last acknowledged them. I would keep a note of when you made your last payment on each of them. If you are approached by any DCA's never acknowledge the debt. You can always post again should you need any further information, but if you could read the forums you will find a lot of self help.

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Pros & Cons

 

Since its been at least 2.5 years since you acknowledged the debts then you have 3.5 years to wait till they become statute barred. If you contact them or they find you AND you make a payment this will start ticking at day one again. If they do find you then they will mark you credit file with the defaults and you won't get (decent) credit anyway.

 

If you really want to pay them off and you tell em where you are then they are gunna mark your credit file anyway for six years.

 

1 route maybe to go via a mailing address PO Box number and communicate via this and contact them 1 at a time and pay them off.. But don't give them 100% make them offers low at first and work up to a amount they will accept. Not sure about the legalitys of using PO Box numbers they can be traced but I think you need the police or a court to do this. but if its possible then you would hold the aces they cant threaten to scupper your credit rating and or visit you at home.

 

Its going to have to be your decision.....

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Thanks for the great advice everyone. I don't think the statute barred thing will apply, as I haven't given them my new address. I think I will contact them one at a time as and when I can afford to pay, but without given them new details - use a c/o address or something. I don't want to spend years worrying about them finding me.

 

Thanks again.

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