Jump to content



Please note that this topic has not had any new posts for the last 2877 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Do not think that you can use to 'free trial' if you have had it before. Try and contact them and order the £2 version

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites
  • Replies 125
  • Created
  • Last Reply

Top Posters In This Topic

No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

Link to post
Share on other sites
No you can't coledog..........i had the free one. Ccancelled before the thirty days were up.

 

I applied again for the free one a couple of months ago with expeirian,because i had already signed up to it..........they refused.

 

I was expected to pay £14.95 a month........it's rip off.

 

It's expensive, not sure if it's a rip off though. They do a £7 per month version (don't tell you till you try and cancel) and that comes with everything except the identity fraud insurance A.F.A.I.R

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

Link to post
Share on other sites

Need to call them i think because it just tells me i am registered and use my email address i registered with.

 

But i dont know what that was.

 

Received an email from them saying they cannot trace my registration application and i need to supply name, address..

 

AND.. you guessed it the email address i signed up with originally.

 

Not tried equifax and call credit. Are these the same reports? Free trial that turns into they have taken money before you have noticed?

 

Thanks.

Link to post
Share on other sites
  • 1 month later...

Still having issues with creditexpert. Tried the noddle initially not accepting new members then i got an email.

 

Thoughts of joy soon vanished when it asked for credit card details...

 

CE keep sending me emails to join them for a free trial but cant get past the email address and password.

 

A bit later than expected the calls have started again today. I had been expecting them for a couple of weeks now.

Maybe they have enough in the kitty for the xmas bonuses and the party bubbly?

 

Either way, Still nothing from me. I know you guys must bang your heads against the wall when people like me

ask for help yet dont do the tasks given.

 

Sorry.

Link to post
Share on other sites

I was also registered with experian on the 30 day free trial which hs expired, they also wanted my details, however you can still obtain your £2.00 stat credit file without having to re-new the online membership, I have just done it and now have my log in details to view my file.

 

http://www.experian.co.uk/consumer/statutory-report.html follow the link to obtain file for £2.00

Link to post
Share on other sites

With Noddle, they only need the CC for verification, and they will accept a debit card, even the £12 (if it still mentions it) is not taken just that is the old form. If you have been acceeepted onto Noddle it is free, I've been using it for months. And they will accept membership without a phone number.

Link to post
Share on other sites
  • 4 months later...

Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

Link to post
Share on other sites
Sorry to dissapoint but i have still been ignoring them.

 

Robscum (spelling)?? have started again also. Still being lazy and have not

got my credit report yet.

 

Few family problems since my last posts, Not a good ending but thats nothing to do with this.

 

Anyway with my best guess its 8 months left for them before they are statute barred.

 

Reason for my post today, My GF just tried opening a bank account and got refused Coop and TSB both. No reason given.

 

If she was a named card holder on my credit cards would this be why she got refused? She only had a PO account to collect child allowance and tax credits.

No other credit history. Nothing ever seems to arrive in her name. Which does now seem strange.

Rented property in both names and council tax in both names.

 

Seems rather strange as i still get CC application forms. What idiots would ever lend me money again?? Well i have learnt a big lesson and im not stupid enough to take them up ever again.

 

What does she need to do? Any help/advice?

 

Thanks.

 

She will be able to get an account with the COOP if she asks for a cashminder account - it has the same function as a normal current account but you are unable to go into overdraft - or have any kind of credit facility - but you can use it to set up DD's etc. and comes with a debit card.

 

Nat West do a similar account but i can not remember what it is called.

Link to post
Share on other sites

Agree - she should be able to get a 'Basic' account

 

It would be worth you both getting hold of your credit reports to find out what exactly is on there

 

Have your heard anything from HFO or Roxburge whoc are now chasing some of these accounts?

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

Only the same threat letters, We might or may take you to court etc etc..

 

Robs.. Last chance before we consider taking you to court and our paperboy with muscles will

call, if you dont contact us. This is the 1st letter i have had for some time from them.

 

OK not their wording but my interpretation.

 

Puzzled as to why she cannot open an account, Also she never gets CC offers etc.

 

We have lived here for about 20 years. Dont think i have ever seen anything credit wise offered in her name.

 

How can she get some form of credit history so that she can at least open a bank account?

 

So apply for credit reports for both of us, I really must sort that. But everytime i think about it another family

issue happens.

Me being lazy doesnt help i guess.

 

All this because they made threats and were unhelpful when i 1st contacted them to say i couldnt afford to pay them the full amount.

 

Thanks guys, I know im a pain in the butt and seems like i dont listen, But i am. But the ignore it option still seems to work.

 

Please dont ignore me.

Link to post
Share on other sites

Not ignoring you at all - please make sure that you keep all correspondence and envelopes, even though you are not responding.Your priority payments and life will always come before the threats of DCAs so do not worry about it.

 

Do try and get Experian and Equifax credit reports for self and partner - £2 standard postal ones will do, these can be very revealing and may help you to understand what is going on here!

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

You wull not find out why she has issues getting an account untill you get a copy of your credit file.

 

Regards Opening a Bank Account - you have to ask for the basic account - the coop one is called the cashminder account Here is link to it.

 

http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts

 

here is a link to the Nat West basic account.

 

http://www.natwest.com/personal/current-accounts/g1/basic-account.ashx

 

But remember you have to ask for the basic account or they will process the appliction for a normal current account.

Link to post
Share on other sites
I heard that before, People being refused because the bank didnt process for the basic account.

 

Seemed to be a bit hit and miss.

 

It's because they assume you require a normal current account - they don't get a bonus for opening a basic one.

Link to post
Share on other sites
  • 1 month later...

OK FINALLY i got my credit report. Maybe i made a booby though?

 

I used equifax not experian, Does that matter?

 

Nothing listed under court information, So i guess thats a good sign. Several companies still do regular checks on me.

Cabot debt listed twice for some reason?

 

I think i just clicked as to how to tell when i last paid. Green = paid on time. Yellow 1 = 1 or 2=2 missed payments and

a 4 = 4 months+ missed. Printers playing up and not very clear.

 

Seems like Sept 2006 = yellow 1's across the board. Default dates from October 2006 to April 2007.

 

Couple say settled. One says reassigned but not to who. Other says settled?

 

Thanks for putting up with me.

Link to post
Share on other sites

Done Experian. Had a better look and its a bit confusing. I thought it would have original CC company data then some mention

of the company they sold it to if any.

 

But it seems like some items are not there, One collection letter said i owed nearly £10,000. Yet my biggest CC

credit limit was £6000. So i assume thats £3000+ worth of charges and interest?

 

One says assigned yet, Does not state who its assigned to.

 

Another letter from Lowells, But the figure does not match anything on my credit file?

 

Lowells still check my credit file, 3 times in 10 days last year, Usually every few months.

Says unrecorded enquiry. A few odd searches from insurance companies.

 

So what is the important date? Last payment or default date? Looking like last payments were around Sept

2006. Some defaulted Sept/Oct 2006 others upto April 2007.

 

Thanks.

Link to post
Share on other sites

Last payment date is the key. Debts become SB 6 years (5 if you reside in Scotland) after the last missed payment so this is normally one month after the last payment was made for monthly accounts. Looks like Sept/Oct is the key but beware of creditors trying to bump this by issuing court proceedings just before!

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

Well im in the same situation, I have nothing to offer them. So it would take years to reclaim even the court fees.

 

If one did decide to take me to court, Would the fact there are several other companies all asking for money impact on that?

 

Not sure if everything is on the report. Im sure there are some missing? Or maybe the amounts are not correct?

 

Thanks.

Link to post
Share on other sites
  • 2 months later...
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...