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    • it will be mainly voters and the fact you have changed address on everything too. nothing you can do about it sadly ….   usually takes a month or two for things to settle themselves
    • I only just signed up to vote, I have never voted before, but I've never had a problem accessing my credit file in previous years, it's like it's just been deleted?    Here's a message from another credit check place I found.   I have just moved in the last month but my bank account, new address etc are all up to date and I literally called everyone when I moved, internet, electric, gas, mobile contract, bank, everyone on the day I moved here,   When trying to get my credit report I use my new and previous addresses.   Here's a message I got ...... Why have I been unable to access my Credit Report? When completing the authentication process for access to your credit report, you will have received one of the following in-product messages to indicate why you have not received access: Thin File This means there is currently not enough credit history information held in your TransUnion file for us to produce a credit report. You can find out more about how to build your credit history in our guides. Not Found If you have not been found by TransUnion, this does not necessarily mean you do not have enough credit history or that you have poor credit history. This simply means that with the details you have provided, TransUnion have been unable to accurately match you to a credit file. Check over the details you have entered and make sure all financial accounts are up to date. If you notice that your Date of Birth, Name or Address have been filled in incorrectly, you can update this information on your account and this will initiate a new search with TransUnion to locate your credit data. Please note, a new search will only be initiated if you change your Date of Birth, Name or Address. Therefore, if you have since updated your information with public bodies or your financial accounts to match your current account information, we will be unable to initiate a new search and you may need to close your account and re-register. Failed If you have failed the authentication process then unfortunately we have been unable to provide you with your credit report. As per TransUnion policy, we are only able to provide customers with two attempts to access their credit file data, after which they will be unable to access their data through our service or receive a TotallyMoney credit report.  
    • I was going to suggest cooperating with her over the letter copies so as to look good in court, but on further consideration BazzaS & SuperVillain are right.   However, to make it easy for the judge and to show her up in court I would tweak the letter and add that this is the third time you've asked so that the expert can be "jointly instructed" and you are anxious to move things on as the two of you are already beyond the court's deadline.    You are writing to her but in a certain sense you're writing "to" the judge and what you are writing needs to be concise and follow the court's instructions - unlike her gibberish.  
    • Is there still chance to submit my defence as it is the 20th final date for submission?
    • you should have entered nothing.   this is why its so important to read instructions and other like threads carefully.    
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Newton817

been with stepchange for 9yes - help

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Hi All,

 

I am very new to this kind of thing but was hoping that this forum would be able to provide me with a little help.

 

My wife and I entered into a DMP agreement in 2009 with around 46k of debts from 7 different lenders. All unsecured debts from credit cards and loans and we have never missed a payment to Stepchange.

 

All debts have now gone from our credit files and there is no evidence of us being on a DMP.

 

My question is this, as all of the debts are statute barred and our credit files are clean and we was to come out of our DMP and self administer would the debts reappear on the files and would I have to declare to a mortgage lender that we was on a DMP?

 

Thank you for your help in anticipation of reply.

 

Paul

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Can't be sb'd if you are paying them!!

 

Who are the companies that get paid through the DMP?

Hope none are powerless fleecing DCA's??


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Can't be sb'd if you are paying them!!

 

Who are the companies that get paid through the DMP?

Hope none are powerless fleecing DCA's??

 

Hi dx100uk,

 

Thanks for your reply.

 

6 of them are now DCA's.

 

I thought SB was once the debt was past the 6 year mark?

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no 6yrs since your last payment

 

 

shame stepchange nor any DMP provider ever question the legality of debts.

 

 

i'd be sending a CCA request to everyone of 'em

[bar bank account OD or mobile debts]

 

 

bet 90% fail the 12+2 working days deadline

sadly I smell a cash cow here

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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which DMP are you with?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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we have never missed a payment to Stepchange


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ahh my bad. Reading on my phone so prob swiped too fast


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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