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Nearly.....but not quite...


isucwrowftts
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Hi.

I wrote to all of my creditors in Jan of 2009 to inform them of my inability to pay my debts, and making offers of reduced payments.

 

 

All of them to be fair were (or seemed to be) understanding and I've worked hard at managing the money I have,

repaying the debts as much as I can and generally being more financially responsible.

 

A creditor phoned me recently for a review and the woman happened to mention the debt (with them) was due to be removed from the reference agencies this month.

 

I decided to check my CRA file (Equifax) and was pleased to find the other debts as settled but both my Lloyds loan and CC have over a year left.

The reason for this is they were marked as AP (Arrangement to Pay) for 18 months before a DN was issued.

 

I'm annoyed that despite keeping good order for over 6 years I'm still no better off.

If I'd not paid a penny the debt would have been marked as finished by now,

but instead, by doing the right thing I'm still being penalised.

 

My question is,

is there a way to get LLoyds to mark the DN earlier.

I don't want anything on credit but it would be nice to know that things are moving forward.

I'm still paying my debts but getting nowhere.

 

Thanks,

ISUCWROWFTTS

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short answer is no.

 

 

other than a pleading letter.

 

 

I hope you sent everyone a CCA request and did all the reclaiming you could

before you started paying off your debts?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Lloyds would rather stick pins in their eyes than remove a default marker early.

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