Gary1981
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Still in 2 minds , not gonna rush into anything . But advice much appreciated thanks everyone.
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So best bets @ moment is to freeze cc , an then do the x 2 pro rata letters to the loan company’s. Regards Gary.
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Yes think this is only the tip of the iceberg as well . Can’t crash the worlds economy an not expect massive repercussions. The fall out is going to be huge , with out furlough would of been a disaster. Thanks for advice. Better trashing mine and keeping partners in tact who has no debt. I’m beginning to think now , 2 loans are unsecured, if they are going to trash my file by me been civil trying / to work with them would I be better not to just give them min I can afford ? Instead of asking for payments to be 1/2. Go nuclear with it ? What will they put on cf ? If I reduce payments ? Will they default it ? Which pretty much ruins you for 6 yrs anyway doesn’t it.
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So either way I lose ... pretty ominous isn’t it. Thanks for advice peeps taking on board. Better going the pro rata way then aren’t I. An getting bills reduced , keeping hold of money. 8-) Advice much appreciated.
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I’ve got some savings that we had for a rainy day, so more than likely going to go into that now An pay off some of the debts. Then do what I can to get rid of them ASAP. Don’t want cr trashed. Think this maybe best root now.
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Ok will take a look much appreciated, can it affect or will it affect my credit score ?
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Thanks for getting back to me , Yes it certainly is an I’ve not missed any payments. Just a bit of a restructure if that’s possible. Regards Gary.
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Evening all , since been furloughed I’m losing £800 pm , when we go back we are only going to be 1 shift for foreseeable as well. Got a few payments which are currently £200 pm , how would I go about getting them reduced to £100 pm ? Also a credit card with £2000 on . Would I be better getting the interest froze an coming to an agreement to pay that as well ? Moving forward. Crazy times an I know of ppl a lot harder hit than me. Any help would be much appreciated.
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Trace enquiry on table 2 of Equifax credit report
Gary1981 replied to Gary1981's topic in Credit Reference Agencies
Morning brigadier thanks for quick response just tried to pm you then with details but won't let me, don't want to put to much info out on this, 3 times this 3rd party went into my credit report this year think its very wrong to be going in there without my permission but what can I do. It's looking like I will have to swallow my pride an make an arrangement with finance company as I really don't want a CCJ going against me because as I have previously stated I am looking to get a mortgage in next couple of years. How becoming a parent changes u eh 8-) -
Trace enquiry on table 2 of Equifax credit report
Gary1981 replied to Gary1981's topic in Credit Reference Agencies
Good morning all, it appears that the 3rd party that done a trace inquiry on me has handed the finance company my e-mail address as I received an e-mail from them asking me to get in touch quoting a reference, I have had no dealings with this company since 2009. Just a couple of questions. 1) For a debt to become statue barred is it 6 yrs from time a took credit agreement or the last time I made payment I.e 2009? 2) Can the finance company escalate this now to a CCJ as it has been in default since 2009 and why would they have not pursued this all ready ? Any help on this would be appreciated. -
Trace enquiry on table 2 of Equifax credit report
Gary1981 replied to Gary1981's topic in Credit Reference Agencies
I don't think so brigadier on my credit report it shows default as 2009 with an x amount then it's updated from this month with a lower amount and looking at it that is the meagre amount of money they gave me for the car once handed back as I said I have not dealt with this company since I gave my car back and I have no intentions of dealing with them any time soon. The car was worth a lot more then they gave me so I'm sorry they not getting a penny -
Trace enquiry on table 2 of Equifax credit report
Gary1981 replied to Gary1981's topic in Credit Reference Agencies
Forgive me everyone I think it's me rushing in an not reading things properly the default is the 2009 one so all in all think I will just weather the storm ignore everything from them as I all ready have done an wait till 2015 when hopefully I will have a lovely clean credit report.Thanks for the help everyone I will be making a little donation to this site when I get paid this week. :-) -
Trace enquiry on table 2 of Equifax credit report
Gary1981 replied to Gary1981's topic in Credit Reference Agencies
Afternoon everyone well they have placed a default on my credit report dated for the 30/09/2009 for a sum of x amount now they have placed an other default on the account from the 02/06/2013 with a smaller amount saying owed on the default when I no I haven't payed them a penny since 2009 surly they can't default me twice for the same debt, I no I have had no contact with this company since 2009 when I handed the car back to them please could u all help me with this regards Gary. -
Trace enquiry on table 2 of Equifax credit report
Gary1981 replied to Gary1981's topic in Credit Reference Agencies
Well thanks very much for your advice brigadier I will keep you posted on my thread with my progress regarding this issue Regards Gary -
Trace enquiry on table 2 of Equifax credit report
Gary1981 replied to Gary1981's topic in Credit Reference Agencies
Morning sorry about late reply in work on nights, was just wondering if u could clear a few things for me then I see your 3 points u have made about never ring a DCA an don't answer questions if they ring u and lastly only deal with them in writing could u please shed some light on these 3 points for me as I only know they r looking for me through the trace report. So should I sit tight an wait for a letter of the DCA an then make my offer of payments in writing to them? Regards Gary
