your actually pathetic....

you offer no proper resolution to people. And when anyone contests your answers your come up with showing a post of mine from 4 years ago. Absolutely pathetic.

How about you try and listen (if you can) to peoples issues and queries and offer them a proper resolution,instead of all this ridiculous debt dodging mentality you seem to have.

Most people come on here wanting to sort their finances out and in most cases your poor advice would more than likely leave them in a worse situation.

Just a bit of feedback

If a creditor isn't being paid what should they do?... Write the whole debt off. That's ridiculous (this comes from me with £8400 of defaults on my credit file)

Most people will have a grievance against a company demanding money. Ultimately if its legally correct then its tough. Its a case it needs to be dealt with.

Worst thing anyone can do is bury your head in the sand and come up stupid comments regarding just pay them £5.00. You don't know that persons full situation.

People come on here looking for realistic solutions to there problems not childish and petulant answers.

Maybe you don't understand that people have a conscience and want to clear there debts and have peace of mind instead of looking for easy way outs.

Simply saying pay £5.00 is just a unresponsible answer to someone wanting a solution. I think its great Eagle has paid the debt and that it'll be reflected on his credit file.

Your statement is ridiculous.

As for employment searches you are incorrect. When a company does a employment search, they can see you've defaults but not who with. Obviously dependent on your possible employer and there criteria they may ask more.

If your stating having a debt marked as settled or partially settled is no vast improvement on default then that's quite a scandalous comment for a site that's supposed to help people.

Back to the initial question, I'm sure Cabot will update it, just dont expect them to do it now. Most creditors and Collections agencies will do it every 30/50 days.

Most creditors have a set date when they'll update credit files. They dont do it as and when you pay the debt.

Id give it 30 days from the 18/04 and It'll probably then be updated.

Contarary to DX100 says 'if its got a defaulted date its a waste on money paying debts by F&F offers' thats nonsense.

Of course its beneficial paying your debts and it DOES make a difference to your credit rating. If you apply for a job, credit or whatever it may be.

Watch this space with Cash Genie/Ariste Holdings, they will soon be going into Administration and that's come from the FOS who I spoke to.

Personally I'd e mail the FOS regarding any complaint. Creditors and debt collection agencies generally will start to act if they hear from them.

nah it was with Cash Genie they never transferred it to Debt Collectors.

It may be worth anyone whos had a rolling loan to report it to the FOS and maybe get a similar result.

As per a previous post Cash Genie/Ariste Holdings are currently close to entering Administration (confirmed by the FOS).

On the off chance I complained to FOS stating my loans were mis sold. These dated back to 2011 when I was in a financial mess.

Id pay the loan on the 28th pay day and then due to having to pay it, take another one out literally a few days later.

I did this 4 times. Now Cash Genie/Ariste Holdings have written my final debt off (I owed £473) as they admitted there was no cooling off period in between loans being paid and re taken out.

:-):-)

ive an old debt with them i owed £250 - i complained to FOS on the off chance regarding misselling who in turn advised me they are in Administration. They were bought out by Ariste Holdings who are in Administration.

Check Cash Genie website - https://www.cashgenieloans.co.uk/

Also interesting to see Cash Genie are in administration

SLL are absolute cowboys.

They send debt collection letters stating 'they will accept £30 per month' without even knowing the customers situation.

Not only that I was on a repayment plan with them, I missed one payment whilst I asked them for proof of contract from The Cash Store (the debt they bought) and within 2 weeks i'd received a CCJ Claim form.

They seem like spoilt brats when it comes to collection of debts. There calls are unbelievably scripted with quotes such as 'the minimum we can accept is...'

mine also got written off...

if you've had a old Wonga debt and youve changed e mails - it may be worth calling them.

i didnt know mine was written off as i they'd sent the write off e mail to my old e mail address.

Yes Lee was very helpful - my complaint/query resolved in 15 mins.

Thank you Lee for all your help in resolving this matter.

I can finally relax.

I had dialogue and correspondance with MMF. Its highly unlikely they'll have removed it if I wouldnt have complained/

The original debt was sold as i simply didnt pay it.

ive checked the Credit report and they have removed it. So your paranoia of' i wouldnt trust anything MMF have said' is unfounded.

The debts in relation to 2 payday loan debts.

MMF have done exactly what theyve said

Thanks Lee

@DX -- Im not blindly paying the debts. I work in Finance so know the companies Im paying and have no intention of 'avoiding' the debt.

You state the payments do not help my score, of course they do. My scores risen from 536 to 688 since i started to repay these debts in January. Coincidence?

And as my post states im doing this for a job application and also for peace of mind.

Ultimately I have got what I wanted from the outcome.

To be fair to MMF they have been very good and professional about the issue. I was paying them a menial paymen, they didnt update my credit file, so now theyve removed the debt from there.

Im not one for trying to avoid debts I've ran up.

Hi there

Not sure if my case is a one off, but thought I'd share to make people aware.

I had been paying Motormile Finance on a repayment plan. I then got my Experian file in March and they hadn't updated it to reflect my payments since August 2014.

They claim it was a technical fault and have subsequently moved the 2 entries from my credit file

To be fair to MMF theyve been very good and honest about the issue and haven't proved difficult.

If you've a debt with them your paying it may be worth a check...

DX i am not in dispute with the debts on my credit file. I'm acknowledging them by paying them which is having a positive effect on my Experian report.

I've had Cash genie and 2 Motormile finance debts removed and in turn removed from my credit file after discrepancies were found.

My post was asking if i legally still owe the debts that are NOT on the credit file?

Hi Lee,

I've sent you a return e mail... could you call me at 12pm on the number I provided?

Many Thanks

Hi there,

Just a quick query.... Over the last 3 months I've been frantically trying to sort my credit file out. So far so good (bar my Vodafone bill)

All my creditors on my credit file are being paid and they are reflecting these on there. And my score has increased

However i've 2 debts not on there. Presumably they came off my credit file after 6 years or maybe simply they are not on there.

Do i still have a legal obligation to pay them? Can they re add the debt to my credit score?

Many Thanks

Thanks,

I really hope you can finally help with this mess.

its ridiculous I had 2 debts from Motormile Finance written off 2 weeks ago, as despite paying them monthly they last updated my credit file in August 2014!!!

However this Vodafone account is shocking. They cant reopen the debt as the accounts closed and the numbers reallocated.

Out of interest the £12k debt that should be £4 have you done a notice of correction via Experian?

it just extremely frustrating.

im generally very self sufficent working within the Financial Sector, but blimey I've NEVER come across such an incoherant, unhelpful and truely appalling company as Vodafone.

ill hang on for Lee's response.