thanks dx

hello dx , always here to help us , many thanks will send that off to them , include £1 postage order with that?

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

cheers dx , for reply

just leave it then?

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

sorry there dx , and thanks for your quick responses , appreciated as always. will check it next week see if its updated

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

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

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

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

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

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

afternoon , hoping someone can kindly help , sent creditors the prorata letter with the budget spreadsheet on the forum , and JN bank have come back to me saying i havent done the pro rata correctly , they have said - thank you for your response. We note that the payments are still not pro-rata; A pro-rata payment would mean that your disposable income is spread fairly over creditors, not equally. For example, a balance of £600 would receive a lower payment than a balance of £6,000. By spreading the disposable income across creditors this way it ensures that there is no preferential payments and you can clear the debts off at the same pace. i have 9 creditors - and what i had left each month divided that by 9 so each get the same amount , is that wrong? as it doesnt work that out on the spreadsheet many thanks

sorry thought i pencil details all out