razorc
-
Posts
255 -
Joined
-
Last visited
Content Type
Profiles
Forums
Post article
CAGMag
Blogs
Keywords
Everything posted by razorc
-
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
-
will scan up now scanned up dx thanks 2023-04-24 Swift NOA re old Welcome secured loan sold to Coast.pdf
-
sorry dx100uk maybe I'm reading wrong , i dont have building insurance with them , , just wondering why there asking that
-
hello dx100uk its a old welcome finance loan from 2009 might be longer coast are on the house deeds , but now swift have taking over the loan , just strange it says that , because is it not the loan company that put that on the deeds
-
afternoon have recieved the letter from swift regarding the transfer to them today , new agreement number also , in the letter reads this insurance arrangements if the loan is secured on your property, you should contact your current buildings insurer and advise them that coast finaance solurions s.a.r.l no longer have a interest in your insurance policy and that their details should be replaced with those of swift advances plc anyone advise on that thanks
-
I'll get a letter sent regarding the plevin ppi Would I be better writing to swift later once have had the paper work from them , and setting up a payment to clear it so I can get the charge removed then if theres no way getting it removed other than paying it
-
Hi dx100, been searching for a letter template , for plevin ppi, who would I write to swift? could you point me in the right direction many thanks for your time replying
-
thanks dx100uk , couldnt see my last posts that i started couple year ago on welcome finance on the forum
-
hello all just had a letter from coast finance saying - the owner of your loan is changing to swift advances plc, anyone else? ive blanked them for years, but just went on to get deeds for house and coast have a charge on it , any way to get rid of this, or shall i send a cca to get original agreement thanks
-
Thanks andyorch , for checking that , 1 down , awaiting the rest
-
Afternoon just received letter from tesco credit card accepting offer of pro rata payment , letter says for 6 months then will be in touch to review , i have received a letter of default if anybody help if this is defo letter of default they have also sent this time i have attached letter , many thanks for your time all tesco default notice 14April-CAG.pdf
