Are Immediate Financial doing me over?

[ims21]

Hi

 

For £32 they may think it is not worth the grief of chasing it.

 

Personally I would ignore it unless and until it gets a bit heavier (if it ever does).

 

If you are sure of what it is and it is correct then you could pay but don't pay the DCA, pay the people you had the debt with.

 

The more the DCAs are taken out of the loop the better.

[Ftgab19]

Thank you for your post guys.

 

I think I'll just wait until I hear anything else about this debt before i send anything.

 

Andrew

[Ftgab19]

Hi all again,

 

Just a quick update on things.

 

I sent the unfair fee's letter to IF on the 11/12/2014 and it was delivered on the 15/12/2014.

 

 

Today is the 14th day since I sent the letter and I still haven't had any letters from them.

 

 

How long should I wait until I contact them about this? because they signed for the letter so I know they have it.

 

On another note,

I've had a letter from Credit Resource Solutions Ltd. It titled "Notification Of Debt Recovery Instruction".

It was dated the 20/12/2014 but i only got the letter yesterday (28/12/2014)

It says there a client of "Fusion Photography Studios Ltd" and I have a balance of £691.14.

 

Now Certegy Ltd and Retail Credit Management Ltd was asking for that debt when I was with IF.

Certegy Ltd even sent me a bad copy of the CCA when I sent a request on the 30/10/2014,

 

 

I guess they gave up and passed it back.

 

I've had letters from Credit Resource Solutions Ltd in the past, before the above DCA's started asking for that debt.

 

 

I'll upload the new letter from them and the old one's so you can see.

 

I'm wondering if I should CCA Credit Resource Solutions Ltd just to be safe, anyone agree?

 

Thanks

Andrew

Edited December 29, 2014 by Ftgab19
left something out

[dx100uk]

as they are acting for their client

 

 

ignore them.

[Ftgab19]

Thanks for the reply dx100uk,

 

What about the debt thou? should I just wait until "Fusion Photography Studios Ltd" contacts me themselves? and how long should I give IF?

 

Thanks

Andrew

[dx100uk]

you call the shots not them.

 

 

await the next fleecing letter.

 

 

its all threats, let it run

 

 

dx

[Ftgab19]

Ok then I'll wait for more letters, so what should I do about IF?

 

Thanks

Andrew

[Ftgab19]

Hi all,

 

My brother has just informed me that his credit file has my information on it. What do I need to do to get it removed? Because it is effecting his ability to get credit.

 

We do have the same DOB and live at the same address, would this be why its happened?

 

Thanks

Andrew

[Ftgab19]

Should I just send a letter to the CRA telling them they have there information wrong? Need to get this sorted ASAP because my brother is applying for a loan soon.

 

Thanks

Andrew

[renegadeimp]

Contact the cra. They have set procedures for this.

[Ftgab19]

Thank you very much for your reply,

 

Should I do this by letter or phone? I want to do it by letter but also want it fixed asap.

 

Andrew

[renegadeimp]

Either way. I'd do it in writing so you have a paper trail.

[Ftgab19]

Okay thanks,

 

any chance you could point me to a template?

 

Much appreciated

 

Andrew

[renegadeimp]

No need for a template. Just tell them.

[Ftgab19]

This is what I was thinking,

 

My letter:

 

Reference No: 00-0000000000

I am writing to rectify several errors on the information you hold on me. I have been informed by a member of my family (brother) that some of my credit file information has appeared on his credit file.

 

The information mentioned on my brother’s credit file:

 

· Mail Order Agency from Shop Direct Finance Company Ltd

· from Express Finance T/a Payday Express

 

I would like this information removed from my brother’s credit file. Please confirm in writing when this has been done.

 

 

I look forward to receiving a full response to this letter within 14 days

 

Yours Sincerely

 

 

Is that ok?

 

 

Thanks

Andrew

[Ftgab19]

Would the letter need to be of me and my brother and would we both need to sign it?

 

Thanks

Andrew

[renegadeimp]

If you want it removed from your brothers file, then he would have to file a notice of disassociation. The credit file wont touch it unless he asks.

[Ftgab19]

So should I say its from my brother and ask to file a notice of disassociation instead then?

 

Thanks

Andrew

[renegadeimp]

Your brother needs to contact them. Since JTS on his file they won't deal with you due to the dpa.

[Ftgab19]

What would my brother need to say in the letter?

 

Thanks

Andrew

[renegadeimp]

Same thing as you ve been saying here.

[Ftgab19]

Will this be ok?

 

 

Dear Sir/Madam

 

 

I am writing to file a notice of disassociation, there are several errors on the information you hold on me. I have found some of a member of my family (brother) information on my credit file.

 

 

The information mentioned on my credit file:

 

 

· Mail Order Agency from Shop Direct Finance Company Ltd

· from Express Finance T/a Payday Express

 

 

I would like this information removed from my credit file. Please confirm in writing when this has been done.

 

 

I look forward to receiving a full response to this letter within 14 days

Yours Sincerely

 

Signed by my brother

 

My Brothers name printed

 

 

Thanks

Andrew

[Ftgab19]

Hi everyone 

 

I’ve come into a bit of money and have decided to pay off most of my debts from my credit report.

I’m just after a bit of advice on how best to go about it.

 

I’m hoping I can do a full and final payment offer with most of them.

I’ll pay the full amount if I have to, but mainly want as much as I can paid off on the report so I can start building up my credit rating again. 

 

I checked credit karma and can find the following on my report. 

 

 

Capital One Credit Card 

£156.52

 

Vanquis Credit Card

£355.00

 

Ocean Credit Card 

£318.00

 

Instant Cash Loans

£492.00

 

NatWest Current Account

£468.00

 

British Gas - Gas Account 

£712.00

 

British Gas - Electric Account

£819.00

 

 

Now I can pay off the credit cards and payday loan happily. But the NatWest account is only overdrawn because of a package bank account fee. 

 

I told NatWest I didn’t want it anymore and they told me they will put me to a normal account. But they then charged me again the next month for the package account. I refused to pay because I didn’t want it and had already asked them to remove the account. 

 

But they kept charging me overdraft fees and that’s why it’s now £468.00. Surely I shouldn’t have to pay if it was there fault for putting me overdrawn. 

 

I can afford to give British Gas £90 a month to pay it off. But would that be enough to get an arrangement to pay on the credit report? And do you still get a bad point even if it’s an arrangement to pay? 

 

Any help would be much appreciated 

 

Andrew

[dx100uk]

are all these defaulted?

are all these enforceable?

but it wont improve your score if they are defaulted

that's there for 6yrs regardless..

 

yes pay the util bills off

 

as for the OD ..if its made of their charges then stuff 'em.

id rather go on a holiday with the money..

i

[Ftgab19]

All of them except the Capital One card I’ve been paying that off over the last 3 months so it just saying late payment 4 months not defaulted. 

 

I believe they all are enforceable except the NatWest since it was their fault the overdraft fees have been added that put me in the red with them.

 

I want them to cancel the debt and remove it from the report since I never spent any money and they shouldn’t of been charging me for the PBA after they said they’ve cancelled it. 

 

And I know I can’t get rid of defaults but I don’t want anymore adding I just want to settle as much as I can as quick as I can so I can have a good credit rating again. 

 

I am right in thinking the credit report is a points base system where you are minus a point for each default you have each month and plus a point for each month your up to date? That’s why I just want to pay the debts of quick why I have the money so I can just get plus points each month and improve my credit score.