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    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
    • The average high street easy-access account pays 1.7% interest - but savers could earn 5% if they moved their money elsewhere. We look at which banks have the top rates.View the full article
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Refused loan, credit reports fine!


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Im totally baffled. I am in debt and decided to get a loan to consolidate some of my debt. I have been refused a loan previously but that was for a considerable amount more!! I have signed up to CheckMyFile for the three credit reports and they say i have good credit so y have I been rejected??

I have also been offered a new job which requires a credit check though im not giving any financial advice or working ina bank. Will this affect the credit check they do and prevent me from getting a job!?? All my payments have always been up to date!

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Im totally baffled. I am in debt and decided to get a loan to consolidate some of my debt. I have been refused a loan previously but that was for a considerable amount more!! I have signed up to CheckMyFile for the three credit reports and they say i have good credit so y have I been rejected??

I have also been offered a new job which requires a credit check though im not giving any financial advice or working ina bank. Will this affect the credit check they do and prevent me from getting a job!?? All my payments have always been up to date!

Thanks

 

They can still refuse you based upon the 'affordability' element. They may not think that you are able to afford the repayments for the new loan as it may be considered to be addition to your existing debts. Financial institutions are far warier about lending now...as you probably know.

 

Your new job should not be affected as your credit rating seems fine from what you have said.

 

Good luck!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Thanks! Im currently in the process of claiming to write off a credit card! very early days! The only reason I want a loan is to make the interest less by consolidating! Stupid annoying companies!

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Thanks! Im currently in the process of claiming to write off a credit card! very early days! The only reason I want a loan is to make the interest less by consolidating! Stupid annoying companies!

 

Your call but personally I think consolidation loans actually make things worse.

 

Prepare an income and expenditure sheet (National Debtline have a good one plus guidance) and this will work out for you what you can afford to repay, on a pro-rata basis. Then write to each of the companies asking them to accept the payment and also to freeze interest and other charges.

 

You can still CCA them in the meantime...I presume your agreements were before April 2007??

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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im a bit confused.. on the website it shows experian as really low but then no further information... agh! will this affect my new job? thats my biggest concern!

 

Most jobs that require a credit check are to assess your integrity and possibility of fraud/criminal activity.

 

CCJ's and bankruptcy are the worst. Followed by defaults, arrears and arrangement plans. Do you have any of these showing??

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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nope not on the two that actually give me information! im signing up for credit expert its worth 6.99 extra to know for sure!

 

Ok so iv done that and its confused me even more!!!

Checkmyfile experian :493 which is terrible but with no info as to why.

Call Credit: 856

equifax: 741

 

Checking on creditexpert experian is 859!

whats going on??

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nope not on the two that actually give me information! im signing up for credit expert its worth 6.99 extra to know for sure!

 

Then don't worry about it. You're hardly Sir Alan Sugar or else you wouldn't be on here!! It's just a risk measure. If you've maxed out on your borrowing then it's not surprising.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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