hi all help needed please

[pkee]

Hi all,

I would like to know if I pay cap 1 the £425 I over them will they be more obliged to remove the default,

 

as it my felt i did not pay them

 

we have all been young all been there and didn't realise how important it would be to get credit

 

as i am now older i am now going through all of my credit report

 

and trying to correct all the things I have not paid,

 

all help would be awesome thanks paul

[dx100uk]

what are the default dates please

 

list your debts.

 

paying a debt off does not get the default removed

 

nor does it improve your credit score.

 

don't get fleeced!!

 

dx

[BankFodder]

They would rather do something very unpleasant to their grannies than remove a default. You have to have a good reason to have it removed - and then you have to force them

[pkee]

OK here is the date of default 24\07\2010 my credit limit was £300 and wot I have to pay back now is £420,

 

I have a pay day lone that Lowell protfoilo 1 Ltd now have default date is 24\11\2012,

 

BT witch I don't know if I can be assed with them as I've read stuff on here about them,

 

I have a few moor but that are 6 years up in 2015 and some are up this year

[citizenB]

The default date of 2010 - this will remain on you credit file until October 2016

 

The default date of 2012 - this will remain on your credit file until November 2018

[dx100uk]

well unless yu can prove the default as wrongly placed

they are with you till their 6th birthday

when the WHOLE ACCOUNT

will vanish

 

doesn't mean its not owed when it goes mind

 

dx

[pkee]

So if I pay them will the DF start all over agane, and will this stop me from getting say a new car or lone till 2018

[pkee]

And wot do settled and satisfied mean, am I able to get rid of them ???

[dx100uk]

settle/satisfied does not harm you

 

however, if a default is listed

regardless to the satisfied/settled, the default will still show and kill any chance of credit

till it goes

 

any default or late markers will sadly kill any chance of credit.

 

dx

 

 

dx

[SabreSheep]

Do you have credit card charges on your cap one card?

 

How many charges were you placed on your payday loan account?

 

Depending on who much they were and when they were applied etc you might be able to take court action to reaclaim those charges plus interest and alsohave the default removed if you can argue their unlawfull charges are what made you go into financial difficulties and the default was a result of the charges applied.

 

Its potentially drawn out and requires court action. Others would be able to say if this is actually a good idea or not.

[pkee]

Ho well think I'll be sitting it out then I'm gutted

[SabreSheep]

nothing stopping you reclaimig charges anyway though

[filrobbo]

I would go for the long hall and fight them, best wait for the site team to sort you out , they are realy good and will advise you which is the best thing to do .

[pkee]

OK I'll look in to it as it was a long time ago, on a good note iv got a CC from vanquis that started at £250 and is now at £3000 with no LP yes not one 3G with no LT my bank is in great condition, my jacamo catalogue has no LP in the 3 years if had it and as a big 3000 limit, so I must be doing something right,

[pkee]

[ think I'm going to have to mate I'm not a bad payer now just did not think i would need credit

 

 

 

QUOTE=filrobbo;4560575]I would go for the long hall and fight them, best wait for the site team to sort you out , they are realy good and will advise you which is the best thing to do .