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Payday loans removal from credit file, unique reason.


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17 payday loans all paid of early.(5 with sunny so may be able to remove them)

Last one paid off June  2020

 

Any case I can get these removed and I was manipulated and groomed by a gambler who harassed me and always promised to pay every penny back.,

I blocked him from everything once it dawn on me what’s he doing, after seeking help.

I have crime ref number and evidence in WhatsApp chats 

then again is it worth it as they would say why did you put holiday as reason then 

 

I didn’t realise payday loans were that bad for mortgages otherwise wouldn’t have touched them.

 

When will be a good chance to get mortgage if my credit rating very good and just 2 loans total 4k.

 

if I get one this year I can put deposit between 5-10k

End of Next year deposit about 20k (and no loans on my file)

House price 100-170k

 

My salary 950 a month outgoings 300-400 (including debt repayments) a month

 

End of Next year salary will be 1500 a month outgoing 200-300

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does your credit file show defaults or late payments on any of these ?

 

mortgage co's won't be bothered by lots of old paid off loans as long as your file regarding defaults  is clear

 

what is your score?

 

 

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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No defaults or late payments on any payday loans.

 

what I’m worried about is amount of payday loans I had

 

my score at the momment is 620, as defult was put in error but now removed 

but I’m a few months will be 753 or more.

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wont hurt you.

 

 

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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Share on other sites

Could it not hurt me because payday loan company will say why did you put hoilday as a reason.(when real reason was I gave all my money to gambler, after so many lies him being really nice harrsing me etc and he helped me apply for payday loans, so he could also gamble more), and I didn’t realise how bad it is for mortgages,

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where are you getting the idea a mortgage company can see any of that kind of detail?

 

they can't.

 

 

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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Share on other sites

i'm not really sure what you are asking here..

but..

 

i will guess two reasons..

 

one, you've incorrectly read somewhere that taking out numerous PDL's looks 'bad' if you apply for a prime lender mortgage. even if your file is clean..we'll that's old wives tales mostly portrayed by brokers and non prime money lenders to entice business and profit thru bogus 'fees'.

 

two, you might be thinking of launching some irresponsible lending complaints as you feel, possibly quite rightly, that some of these loans should not have been granted. well the end result is your file is 'clean', you paid them off, can't see a possibility there.

 

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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Share on other sites

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