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    • The question has been asked multiple times on this forum already, but unfortunately has not been answered yet.   First question is: how did your parents pay for this?    If they paid via credit card they can do a section75 claim to get their money back.    If they paid via debit card or bank transfer, they have learned the hard way that you should never pay for a trip via debit card or bank transfer.   Second question is why leave it so late to complain?  This will make things harder. This question is purely here for judgemental effect and is of absolutely no help to you, but hopefully will serve to warn others.   A bit of googling suggests that you should be able to contact the CAA to claim for a refund. You will probably need all sort of supporting evidence including the emails/letters you received from Expedia or a recording of the telephone calls.   Good luck to your parents. Please let us know if you try the procedure below and how it worked out for you. This will help other unfortunate Thomas Cook customers in the same situation.         Ahh yup, the above will only work if the package sold to your parents was ATOL protected - which you would expect a AAA company such as Thomas Cook to sell by default.   You may need supporting evidence such as original receipts / travel confirmation, to show that the holiday is guaranteed ATOL protected.   Good luck again!
    • Many thanks for your help very much appreciated.
    • threads merged (again)   i suggest you re read your thread from post 1    this had already been answered at least twice now.   dx  
    • After escalating my claims, they agreed to refund the postage costs only. I have therefore issue a Notice Before Action for the value of the lost items £180.
    • Back to one of the other blight on the UK which simply refuses to heal, Corbyn   Corbyns carrying on with the 'its everyones fault but mine, no changes there then: The labour who weren't me sabotaged me Labour staff who have worked tirelessly for labour since Jesus betrayed me Everybody betrayed me I did everything right   We've seen the standard type reporting: https://www.theguardian.com/politics/2020/aug/07/jeremy-corbyn-accuses-labour-officials-of-sabotaging-election-campaign https://www.theguardian.com/politics/2020/aug/08/former-labour-donors-returning-to-party-under-keir-starmer-jeremy-corbyn     but this one makes the real telling points: https://www.independent.co.uk/voices/jeremy-corbyn-general-election-2017-blairites-labour-party-staff-sabotage-a9660946.html   "What is surprising, in fact, is how little resistance Labour staff put up to the Corbynite reign of error. The document that Corbyn and his eight top people have signed fails to provide a single example of obstruction. "   "The giveaway, as Nick Cohen points out, is that Corbyn complains about 2017, when a lot of Labour staff were “Blairites” and he did better than expected, and not about 2019, when he had total control of the party machine and did worse than at any time since 1935."   "With this pitiful whine of the sore loser, he has proved it. He has no judgement, and prefers the warm bath of myth to the harsh reality of responsibility."            
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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      • 16 replies
darowla

My Credit File no longer shows my big debts

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I just arrived here to try and work out what is happening to me, could be the Pandemic is the reason.

 

I have access to Clear Score and MSE Credit Club which I think use the same data, I have been on previous 'free' systems until they closed down.

I used to use them to see how much I still owe, that was useful.  I had a mountain of debt but over last 4-5 years I been getting them down to two left.

 

My biggest one is with Natwest who them let it go to another and then Caboot.

It's no longer on my file as of last month, why? I don't get it.

 

The only other change is I got a PPI agent to send letters out and that's all I can think of as I had a payment for Barclays but Natwest I never heard anything.

 

1: Has Caboot Gone?

2: Has Credit Files been somewhat 'paused' while we going thru a pendemic?

3: Do I stop the automatic low weekly payment?

 

 

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once a defaulted date reaches its 6th birthday the whole account disappears.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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who are you blindly paying every week

have you ever sent them a CCA request ?

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I suspect I will study the latest info as I not been on a site like this for a long while... way I look at it is if I owe something I should pay it back to get my credit in shape.  

Yes 6th birthday is likely, but when you used to look at the reports, you would see it marked as 'default' for each month regardless if paid or not, maybe I am miss-reading as I have been paying and is up to date.  I always presumed that the last month was registered as a default and the six years would be from there.

 

 

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Disappears off your credit file for ever, invisible to anyone, without any evidence that it ever existed on the 6 th anniversary of its default.

 

it stopped affecting your credit score years ago. If you are still paying anything you are a mug!

 

Sorry to sound harsh but it’s true.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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forget the calender section no-one bar you and the owner of a debt can see that

its the defaulted date in the debt summary it runs from...

 

so you've been blindly paying DCA's money because you thought paying your debts off improved your score and/or that they have some magical powers and were BAILIFFS, which a DCA is NOT

they have zero legal powers on ANY debt.

 

list your debts, showing or not

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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But to be fair DCA’s love to sound and act like bailiffs, and there is zero information out there to say otherwise . Which is why you have been very fortunate to stumble across this site, where we can tell you that it’s an utter and complete waste of your hard earned cash paying those charlatans!

 

As for your credit score , that’s about as useful as a chocolate fire guard. 


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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No MSE and Clearscore dont use the same Data

 

Credit Karma - Transunion 

Clearscore - Equifax

MSE CC - Experian. 

 

Your milage will vary with each. Go check with all 3 :) 

Also try to get your report direct from Equifax - Its been known for Clearscore to be inaccurate sometimes


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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And don’t sign up for their paid for service . You are entitled to see your online credit report free under GDPR.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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interesting.

 

I have stop the weekly payment, will review CCA.

 

I had a look on Karma and similar pattern to the other records I seen.

 

Thank you

 

 

 

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who are you blindly paying weekly and for what?

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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