BarclayCard and M+S

[l8onjones]

Re: BarclayCard and M+S

Ok how serious are red debt recovery because I've just moved in with my partner and don't want to explain if they do come visit

[Deepie]

Re: BarclayCard and M+S

Ok how serious are red debt recovery because I've just moved in with my partner and don't want to explain if they do come visit

Bottom of he food chain.......

[l8onjones]

Re: BarclayCard and M+S

Haha just the answer I was looking for I believe he debt is now statue barred which I would imagine why their offering me to pay a quarter of the debt so they get at least something.

I have recently apply and got an aqua credit card where as previously I couldn't get anything at all, is this a sign of my credit rating improving ?

[cymruambyth]

Re: BarclayCard and M+S

Yes, it's usually Aqua or Vanquis that start you back on the credit trail. Aqua usually have slightly lower extortionate apr!

[l8onjones]

Re: BarclayCard and M+S

Brilliant I just try and use it once a month and then pay it off straight away.. I would just like to thank everyone for their help so far

[l8onjones]

Re: BarclayCard and M+S

Hi ive also managed to get a very account with a 600 limit not really going to be used just testing the water

another question too checked my credit report and I have some payday loans record more than once for a certain date...is there anything I can do?
or can I even email the payday lender and ask for them to be removed completely? ( long shot i know)

[l8onjones]

Re: BarclayCard and M+S

also further to this they have me recorded as Ms not Mr ( well i was last time I checked)...does that make a difference?

[l8onjones]

Re: BarclayCard and M+S

Right guys I think ive done it and made it to UE by the looks of my credit report...nothing showing

I have now recently applied and got a aqua card 250 limit and a very shopping account 600 limit

am I going about it the right way?

Thanks a lot for your help with all this youve been incredible

[MrsD]

Re: BarclayCard and M+S

I'm glad

just don't draw any necessary attention to yourself and be very very very careful with that credit........................

[l8onjones]

Re: BarclayCard and M+S

I might be a bit naive here but what do you mean by dont draw any neccessary attention to yourself?

and am i going the right way about rebuilding my credit doing things or should i wait a bit?

[cymruambyth]

Re: BarclayCard and M+S

I think MrsD means that if you suddenly apply for loads of credit your account may flag up against previous creditors, they still try to fight even over SB debts.
yes, you are going the right way about rebuilding your credit. There is a section where people have done this.

[l8onjones]

Re: BarclayCard and M+S

Ah right so if they do seem to fight then just the usual ignore the letters then as there's nothing they can do?

Brilliant is there a link so I can have a look at that did have a look but couldn't see much?

Also with donating to the forum is there a set amount or can you donate anything?

[Deepie]

Re: BarclayCard and M+S

Ah right so if they do seem to fight then just the usual ignore the letters then as there's nothing they can do?

Brilliant is there a link so I can have a look at that did have a look but couldn't see much?

Also with donating to the forum is there a set amount or can you donate anything?

-------> How to get back onto the Credit Ladder


No set amount

[l8onjones]

Re: BarclayCard and M+S

Hi I just had this email from Lowell just wondered what to do

We have an important document for you, which we have attached to this e-mail to allow you to read it at a time when you can access your emails in private. It is an important document which requires your attention, please ensure that you read it as soon as possible or call us on 0113 308 6153.

Your sincerely,
Robert Taylor
Head of Collections
Lowell Financial Ltd

[l8onjones]

Re: BarclayCard and M+S

It then has a PDF document attached which had on it

Which says

'Weve had an important document that we sent you in the post returned to us from that address'

And then it asks to call them