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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

turkwyfe4lyfe

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Everything posted by turkwyfe4lyfe

  1. turkwyfe4lyfe
    Dont EVER call them unless you have equipment to fully record the calls!! Anytime Ive tried to speak via LiveChat, they Just transfer me to collections cos my account is in default so have to speak to Collections anyway. I sent you a message and should be in your inbox.
  2. turkwyfe4lyfe
  3. turkwyfe4lyfe
    Theres a few options here but of these people called Renegaide, Brigadier, Citizen B or DX are normally the best caggers to get advice from
  4. turkwyfe4lyfe
    or make a formal complaint to wonga aswell, asking why they sold a fully paid loan onto a debt collector
  5. turkwyfe4lyfe
    OK Well either, write ONE letter to Mckenzie Hall to tell them the loan was fully paid to wonga, or just ignore them.
  6. turkwyfe4lyfe
    Do you have the agreements that get sent to u via email when u get a wonga loan
  7. turkwyfe4lyfe
    Mucky Hall can chase you and threaten anything cos if u have the evidence that the loan was paid in full, and it ever went to court the will be laughed out of court but mckenzie hall NEVER go to court cos of their dirty practices and aggressive debt collection approaches, never mind harrassment
  8. turkwyfe4lyfe
    Keep emailing a few times every day. Else you will either be ignored or take too long for a response.
  9. turkwyfe4lyfe
    Ignore Mucky Hall...Get writte confirmation from Wonga, via letter or email...ideally letter ...confirming loan is fully paid.
  10. turkwyfe4lyfe
    Ignore all of their letters everything... Speak to wonga, get a confirmation from wonga via email or post...
  11. turkwyfe4lyfe
    There you go.... Having that many loans recorded on ur file is bad for you... looks like you are credit hungry,especially if they're close together. Although Noddle is not always up to date and accurate with its information so on the next 30 day refresh it may have improved. my husband is only got 3/5 but his is because he has no credit history except his mobile phone so that goes against you too... but yeah you should try with experian and see what might be on ur experian but not on noddle., x
  12. turkwyfe4lyfe
    Keep bombarding them with several emails a day until they get so sick of seeing your emails they see and send you an Income and Expenditure form you fill in online, and u can tweek figures where neccessary until the payment arrangement is to your needs then accept.
  13. turkwyfe4lyfe
    OK So you paid on the 28th...which is a Tuesday... Normally if your paying by standing order, its usually best to pay it 3/4 working days before as it takes that amount of time to credit to their account. Although when I have made payments using the details I have, I had to wait 4 working days. is your account in default. I also have an email address for a guy in the final resolutions team if you would like I can send it to you.
  14. turkwyfe4lyfe
    What day did you pay them?
  15. turkwyfe4lyfe
    Brigadier is right, searches made by debt collectors or for outstanding debt stay on file for 2 years and are seen by anyone you checks your file. Any other searches for credit ie loans credit cards bank accounts mortgages etc are between 1-2 years and are also seen by lenders. I was told 2 years but some of my searches for loans and credit cards from 1 year ago have disappeared so maybe it's 12 months for experian
  16. turkwyfe4lyfe
    Thanks guys xx
  17. turkwyfe4lyfe
    So Utility searches are still classed as credit searches then?
  18. turkwyfe4lyfe
    What about searches for contract phones ...shows as utility search.. Are these seen by lenders too??
  19. turkwyfe4lyfe
    Yeah I know they won't have any impact but I just wondered how long these searches stay showing also x nice one brig x
  20. turkwyfe4lyfe
    any update 2009?
  21. turkwyfe4lyfe
    Although I have 49 searches... search number 34-49 consist of 1 x unrecorded enquiry, 2 x ID Generic checks...and the rest by Experian for which it says : This information was provided to us by you when you applied for your Experian credit report online. do these type of enquiries stay on for 6 years also??
  22. turkwyfe4lyfe
    Thanks tho Maroon. Was kind of you to help.
  23. turkwyfe4lyfe
    Thanks Renegade. I have bookmarked it for future reference as I kinda have the feeling QuickQuid wont play ball since they're not UK based. Unlikely it will go so far as court, but in the event that it does, do you know if Court Orders cost much?
  24. turkwyfe4lyfe
    The non compliance letter, is it in the CAG library cos i cant find it
  25. turkwyfe4lyfe
    or go to saynoto0870 dot com to find cheaper alternative Thankyou guys

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