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Madmanny

missed Marbles card payment - They say it doesn’t get default until 180 days.??

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I’ll try to keep this short...

 

i had 5 defaulted accounts. All because I was an idiot and ignored the situation. They’re all in theirs fifth year and credit rating is really on its way up..

 

Until... I lost my job and I have fallen behind on my Marbles Credit Card. I am 65 days behind and I have received a default notice over 3 weeks ago.

 

Im not contesting the default, but I have asked them to confirm to me if my account has actually registered as a default on my credit file. They have said that it doesn’t default until 180 days. They wouldn’t put this in writing though.

 

I have the funds to pay this off in full now. However, if the default has already been registered then the damage is done so I will be paying back a nominal amount if this is the case.

 

How can I find out for 100% if it’s defaulted. I don’t want to wait until my credit file updates as it may default within that time which I am trying to avoid happening. Marbles said it hasn’t and won’t until 180 days. However this was said by a customer care agent over the phone so probably not the most reliable of sources. However I got a default notice in the post which I now no longer have because I’m an idiot.

 

Does anyone know their default process, or a way for me to find out ASAP. If it hasn’t defaulted I’ll pay the balance in full.

 

Thabks for your time


:-D:-D:-D:-D

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its very diff to tell.

as there are 3 agencies anyway

the one you've chosen might never show it as they don't subscribe to them.

 

offer to pay it in full if they promise to remove any default if it latterly appears

 

record the call.

 

dx


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thread title updated to better reflect your issue

 

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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