richarddawkins
-
Posts
103 -
Joined
-
Last visited
Content Type
Profiles
Forums
Post article
CAGMag
Blogs
Keywords
Everything posted by richarddawkins
-
Full and final settlement on an account with ccj
richarddawkins replied to richarddawkins's topic in General Debt Issues
The claimant was the original creditor. -
Full and final settlement on an account with ccj
richarddawkins replied to richarddawkins's topic in General Debt Issues
Quite some time to go. 4 years -
Full and final settlement on an account with ccj
richarddawkins replied to richarddawkins's topic in General Debt Issues
The CCJ shows as is and does not have settled status on the credit file. However, the credit card debt related to it is showing as settled with the added remark that a full and final settlement was reached. Unfortunately, i don't know any more details whether there was a DCA involved or the settlement was with the original creditor. I became aware of this development when i checked my credit file. -
Full and final settlement on an account with ccj
richarddawkins replied to richarddawkins's topic in General Debt Issues
I was the primary card holder and i was the one who applied for the card and initially i was the only one with the card, i got my wife the additional card (same account) later. i hope i am making sense. -
Hi CAG team, I have an account which had a CCJ on it. A full and final settlement was reached on this account by my ex wife. It also shows as settled on my credit report with the added information that a full and final settlement was reached. I do not have any paper work to prove that other than the credit report and i have no contact with my wife. My question is that i have read so many horror stories where customers were chased by DCAs even for settled accounts. What rights do i have if that were to happen to me and what documents will i require to prove that and i feel really stupid asking this but how do i get hold of the relevant paper work. regards
-
hi CAG team, My home was recently repossessed. The entry on my credit file shows the mortgage account as settled. What will happen in case of mortgage shortfall, will there be a new entry made on my credit file or will they enter the information on the mortgage account. regards
-
four entries for two credit card accounts
richarddawkins posted a topic in Credit Reference Agencies
hi CAG team, I have four entries in my credit report for two credit card accounts. Two of them show the original company that the credit cards were with and they show the accounts in default, the last time these were updated was roughly two years ago. However the same accounts are shown again with a different company which shows them as settled and these were updated recently. I have not settled these accounts myself. Both these cards were only in my name. Can somebody explain this, any ideas? regards -
Hi CAG team, I have a credit card debt. A full and final settlement was reached. Can you tell me when will it come off my credit report. Will it be 6 years from date of settlement or from the original default date. regards
-
Hello people, i hope every body had a good weekend. Enjoy.
-
Hi CAG, credit report check by post or online, which is preferable?
-
Hi everybody, nice 2 see u people busy n enjoying urselves.
-
Hi, i hope everybody is well. Insomnia gives me lot of pains.i can't control it.
-
hi everybody has gone quite. what happened gals. are u guys busy or just keeping the distance.
-
hi i have seen annualcreditreport.co.uk publicised elsewhere, can some body tell me if their reports are comprehensive. they charge 5 pounds for life time of annual credit reports. are they worth it. thank you
-
How did you deal with the experience of having DCA at your doorstep, share with us.
-
We r with u starblackie. Template to stop visits is vital. Be strong.
-
Starblackie did u have DCA's visiting you. How did u deal with them.
-
Commiserations lillebelle. Starblackie i am specifically looking for how the DCA's r supposed to behave when dealing with mentally ill people.
-
Thank you starblackie n rohannah. I will try n see if i can find those guidelines.
-
"Guidance on how to deal with people suffering from mental illness" can somebody post a link to it. Thanks
-
Thank you for your kind thoughts. I live in fear of DCA's and although i have gained some relief by talking to people on here, i still fear them, it's silly really as nothing is to be gained from it except pain. But i am so powerless or i feel that way. Did you have DCA's visiting you. what did you do as my biggest fear is some one standing on my door banging away. I know i have ridiculous ideas in my head but i am not that strong these days.
-
Sorry guys i have to keep my messages short.
-
thank you carol. Stay with us stay strong.
-
Nice to hear from all you guys. It's nice to see new people joining in discussion. I think we all draw strength from each other. Depression is awful and it almost never leaves me alone. Always waiting to grab my attention. With debt every thing is magnified. It appears there is no way out. Girls here have supported me so now i share my feelings more openly here. I am a wreck in real life to be honest.
-
Hey guys i am back. don't get stressed i am not going any where and i know you guys listen to me. I am limited to writing short messages these days. glad to hear about BG win. hang in there Rohannah, Lillibelle, Janie and sillygirl. I draw my strength from you guys so stay strong. I will be here always guys so don't fret. blessings
