Evening.
Starting this slightly unusual one as it relates to a current account overdraft and a request for its credit agreement given the newer rules on overdrafts.
The newish rules say that a credit agreement is required for overdrafts after 2011.
In this case however the 'draft was...
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Mint - Wescot
Hi everyone,
I'm looking for anyone's experience with Wescot.
Long story short - this is my husbands cc and had a balance of approx £9k and because we thought it enforceable (we used a different site at the time so it may be questionable!), he continued to pay an agreed monthly...Last edited by marypoppins; 14 May 2017, 13:24. -
Lending Stream / PRA Group
Hi all, I'm on a quest to clean up my Experian report and have two entries for the same debt which I need some advice with.
They are Lending Stream & PRA Group.
The entries read as follows:
Lending Stream:
Account Started: 28/01/2011; Default Balance: £788;... -
checking credit file
I want to know when any defaults were recorded - is it a bad idea to check ? -
Overcoming bad credit - improving credit score
With a mortgage, 2 different bank accounts and a credit card from another bank running in credit and a report newly clear of defaults, when should I see my credit score start to climb? -
Capquest trying to pull a fast one
Hi there AAD
hope you can advise me. A few months ago out of the blue
I received a letter from Capquest re an old nat west credit card
that I know for sure defaulted in 2009. However nat west was not mentioned in the letter
the client was named as arrow global. I duly... -
Debt sold on - New DN issued?
Hi all, ok I'm new here so please bear with me.
I entered a dmp with stepchange in December 2013 as my debts were running away with me and have been faithfully sticking to the repayment plan ever since plus increasing my payments when I could.
I had a letter from BarclayCard on Friday...Last edited by kelbagishere; 25 October 2016, 12:47. -
Ccj
Hi folks wondered if anyone had heard of a ccj issued and person unaware as no claim was ever received this is a friend of mine who has only just seen it on her credit report as she was thinking of applying for a mortgage it was from 2014 she moved out of her parents in 2013 and her parents say nothing... -
newbie,, multiple defaults, had my head in the sand
hi All, i have started to address my problems and hope i can find help here.
i have a few defaults on my credit report, so far i have done as follows:
Link financial (mbna original £11000), requested docs under CCA77/78 with £1, they replied saying neither they nor MBNA can... -
Life after debts SB
All defaults have disappeared and all accounts are SB, and a basic account and a credit-building card showing green. What now? Cleansed/worthy/reformed or still a pariah?
It appears that normally only recent defaults impact acceptance. Any views/experience on whether there is a general... -
Nat West Loans and Overdrafts
I did a pre application for a Natwest loan (my son for a car,see my other threads) and it came up with APR 20.9%
so I left it at that and said we can look at it in November.
Now when I Log on to My banking it says you eligible for a loan with a 9/10 chance when I click on more info.... -
Lowell have a default on my partners Credit file at an unknown address?.
My partner has checked her credit file using "Checkmyfile" and on her file there is a default at an
unknown address from Lowell and account type is mail order.
What is the first step we take to
A: check what this is
B: get it removed.
The default date... -
2nd BT blunder now with Lowell
Evening all,
In 2011 SRJ debt recovery wrote to me in my previous property regarding an account in my name with next doors address. I wrote back stating i did not have an account with BT and it would appear someone had taken out a service in my name and heard nothing more about it.
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Defaulted 4 years after last payment!
Hi AAD
How would someone go about challenging a default that was placed on their CRF 4 years after the last payment made?
From reading up on here, defaults seem to be placed between 3-9 months after last payment.
it was originally believed that this debt had already... -
Creditor using wrong address
On inspecting a CRA list some time ago, I noticed that a particular credit card had an incorrect address ie not an official home address and cannot receive mail. As the account was taken out in the 1990s and used regularly with all statements, demands and threats being sent to the correct address which...Last edited by julian; 6 May 2016, 17:58.
