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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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natalie

CRA question

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I have just signed up for my free credit report from Equifax and Experian and have noticed a few interesting things.

 

Firstly, when I have been defaulted, they dont update my file anymore (even though I have been paying a nominal amount) In the case of Halifax OD this goes back to 2006, does that mean it will be removed in 3 years or will it stay on until the debt is satisfied?

 

Only 1 out of 8 have logged a dispute, even though all have been informed that the account is in dispute.

 

There is no record on there at all of Argos card. Now I appreciate this is a good thing, but is it likely to just be an admin error? What other reason could it be omitted?


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Yes all entries on your credit file, will automatically 'drop off' six years after being put on there, regardless if they are 'settled' or in 'default':D


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Cool :D

 

So does anyone know why my Argos card wouldnt be on there? Or is it just an error? Its never been defaulted.


If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Yes all entries on your credit file, will automatically 'drop off' six years after being put on there, regardless if they are 'settled' or in 'default':D

 

and no valid reason is forthcoming as to why "6 years"

 

it seems to be an arbitrary figure pulled out of the air to suit themselves


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