debt help scotland

[dx100uk]

yes i can see what they are getting at, pro rata should mean that all debts eventually will be paid of at the same ending date, but thats not really true anyway as they dont all end on the same pay by date on the agreements anyway i bet, in otherword loans might have a 48mth total term, and would need to be paid by that date.

 

what is the JM bank debt on OD or a loan?

 

 

[razorc]

It’s a loan dx

 

I stupidly jumped the gun , my mistake having read on the forum wait until I get a DN from them

 

then send the pro rata, so I will wait till that comes

 

what’s the options to do on the spread sheet , or anything else should do because it’s a loan, and yes over 48months

 

 

 

 

found a spreadsheet that works out the pro rata for each debt  online 

Edited April 26, 2023 by razorc

[dx100uk]

ok

just ignore then now till they they default you and send a default notice.

 

then we'll sort the pro rata stuff

 

what they are saying is that a bigger £debt should get a larger % of your overall prorata 'pot' (£'s 

 

 

[razorc]

got it now dx , thanks for your help as always , appreciated

Edited April 26, 2023 by razorc

[razorc]

afternoon all

 

got default letter from tesco CC , and they accepeted pro rata , but on my credit file its AP (aranged payment) and not the D mark, will this drop off after the 5 years

 

 

[dx100uk]

you mean a default notice. under section 87/8 ?

 

dx

[AndyOrch]

What Is An Arrangement To Pay Marker? | checkmyfile

WWW.CHECKMYFILE.COM

 

[razorc]

Sorry checked again there on ClearScore , special arrangement it’s saying now

no markers apart from the missed payments now , they must have changed it , was couple days I looked and it had AR marker

[dx100uk]

so you've not received a default notice from tesco then?

 

dx

 

[razorc]

Yeh received Tesco default notice  letter last month, posted it on my topic 

[dx100uk]

then that date should show on your credit file as the defaulted date in the summary?
 

dx

 

[razorc]

checked it and not showing on credit files, unless its not been updated?

[dx100uk]

just type no need to hit quote everytime.

yea it might be a bit soon.

 

dx

 

 

 

 

[razorc]

sorry there dx , and thanks for your quick responses , appreciated as always.

 

will check it next week see if its updated

[razorc]

afternoon , 

just a quick question , now I have a default showing on credit karma for tesco credit card (June - default is showing) 

will I wait till they sent letter about the debt owed or will i send pro rata with my offer to repay it back now

 

thanks

Edited June 8, 2023 by razorc

[dx100uk]

doesnt really matter much now

you have the registered defaulted date.

[razorc]

just leave it then?

[dx100uk]

1 hour ago, razorc said:

will I wait till they sent letter about the debt owed or will i send pro rata with my offer to repay it back now

 

54 minutes ago, dx100uk said:

doesnt really matter much now

eitherway.

dx

[razorc]

cheers dx , for reply 

[razorc]

Good evening continuing with pro ratas with my debts

just received letter from mbna with letter attached saying cabot bought the debt and to contact westcot , i have 2 credit cards with them defaulted

 

i sent mbna pro rata to pay them but sold it on , so looking for help as next steps to deal with wescot and cabot

mbna default date - 28/04/2023 on both accounts

 

many thanks

[dx100uk]

so CCA time to cabot then. lets see the cards they hold

[razorc]

hello dx , 

always here to help us , many thanks

will send that off to them , include £1 postage order with that?

Only address i see on letter for Cabot is the registered office which is at bottom of letter ok to use that?

1 Kings Hill Avenue, Kings Hill, West Malling, Kent

 

[dx100uk]

fca register

[razorc]

thanks dx

[blueda]

Hi razorc, I have just read your post and see it is from February .

Probably best to deal with the debts before going into arrears, if you could post again and give us an update.

Hi again razorc, When I saw your post it looked like you had no reply's until I posted and I see you have replys and advice from experienced  caggers, It might be this phone of mine.

When I answered your post it looked like you had no replys, now I see you have assistance from dx who is an experienced cagger. I don't know if it's my phone or me.