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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.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
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MBNA & Abbey cc, full and final settlement advice.


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Ok... Have received an email reply offering me a settlement:

 

"I have spoken to the Director with regards to your accounts, and the lowest amount that we are prepared to accept as a short settlement is £5500.00 across both of your accounts.

This would need to be paid as follows:

Account ending XXXX would need a debt/credit card payment of £135.12 to be paid by the 28th August at the latest, and the remainder of £2188.27 to be sent by Cheque immediately.

Account ending XXXX would need a debt/credit card payment of £139.68 to be paid by the 28th August at the latest and the remainder of £3036.93 to be sent by Cheque immediately.

On the basis that this goes ahead we will register a partial settlement with the Credit Reference agencies for six years and you will no longer be liable to pay the remainder of the balance. Neither MBNA EBL nor any of its subsidiary companies or collection agents will ever pursue you for the remaining balance."

 

I can only afford to offer £4100 and that's what I'm borrowing from my partner. And there is no way I can magic up the extra £1400 in 3days. Not sure how next to proceed. Even if I didn't pay any rent or bills this month and didn't eat my salary wouldn't cover the extra. That's more than I get paid!

 

Any ideas???! :eek:

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tell them what you can afford, going through something similar myself and in the process of telling them i can only afford a certain amount. my view is your desperate as am i to get something sorted so you think you can get 20% at a stretch they ask for 40% so you start thinking of borrowing more or using another credit card (if you have one) but at the end of the day you don't want to get yourself in the same position. Offer what you can if they don't except you've got a great chance with the debt collection agencies to do the same (as i have been told on many occasions) just calm down and make a rational decision they know this is an olive branch for most people, a way to get out of the hole they are in. sorry for rambling (had a beer) but make a decision which suits not just whats available.:)

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Hi Talbot. Thanks for your input. I'll give that a go. What I have offered is all I can afford. The only other option is to say I can give them a bit more (not what they are asking but a bit more), but only if it's stretched over a few months...

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up to you but like i keep telling my OH offering a bit more won't change their decision i.e. not accepting 20% but accepting 23%. They have a set timeline in my opinion and when it gets to a certain time 6 months and ready to sell on they chance their arm in a lot of cases but i have seen partials as low as 15% on here. What percentage are they asking for?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

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Hi Talbot, they're asking for 34% so I guess there is room to haggle. They've given me until Friday to decide and to get the funds to them which isn't very long considering it's Wednesday!

 

I've gone back and offered them 28%. My first offer was 25% so we'll see.

 

Fingers crossed!

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Thank the lord. We've reached an agreement of £4500. A little more than I hoped but at least I can draw a line under the whole saga within two months.

 

Have to pay £135.12 & £139.68 on the 28th of Aug and then the outstanding within 60days.

 

Have also had confirmation that I won't be chased for the remaining debt by them or a third party.

 

Thanks god and thank you all for your help advice and support. Now I hope to be able to give something back.

 

If I wasn't so skint I'd buy you all a drink! ;)

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Well done kb_ba1 - so pleased you have got a result you are happy with:D

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Thanks Jim and Landy. I'll follow your progress with interest.

 

Good luck to you all. I'm sure you'll get there eventually. Keep up the fight and don't let our friends at MBNA win.

 

x

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