yes mate at the moment im trying to get statements from them all - most obliged except the money shop haha! ill post my results in this thread Dan

young and stupid my friend time to start asking them nicely if they'll remove them as there adverts said it will boost my credit rating thanks for your input Dan

Sorry about that - this what that page I was talking about in my credit report looks like: Instalments Age INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 3 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 1 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 0 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 1 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 3 Months [Closed] INSTANT CASH LOANS LTD T/A THE MONEY SHOP 40 Months INSTANT CASH LOANS LTD T/A THE MONEY SHOP 1 Months [Closed] INSTANT CASH LOANS LTD T/A PAYDAY UK 0 Months [Closed] INSTANT CASH LOANS LTD T/A PAYDAY UK 0 Months [Closed] WONGA COM 1 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 1 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 1 Months [Closed] WONGA COM 0 Months [Closed] WONGA COM 1 Months [Closed] WONGA COM 0 Months [Closed] Instalments Mail Order Age SHOP DIRECT FINANCE COMPANY LTD 8 Months [Closed] CAPQUEST (FORMERLY FTC) 48 Months for the lines in bold - should they not be marked as closed also because the full balance was paid? I totally totally understand the defaults are there to stay thanks a lot Dan

yes i understand that but should those 2 not as closed aswel because there all paid off and the balance is zero on them? thanks a lot Dan

ok guys thanks for the heads up - the last one I had was in 2013 can you tell me if this looks right tho? see attached from my credit report should the moneyshop one INSTANT CASH LOANS LTD T/A THE MONEY SHOP 40 Months show as closed? because it is all paid off and has been for years - screenshots can be shown if confusing should the capquest one CAPQUEST (FORMERLY FTC) 48 Months show as closed? because it is all paid off and has been for years - screenshots can be shown if confusing many thanks for all your help Dan

good afternoon - I'm unsure what sub forum to use put this in so thought id put it in here.. my Name is Dan - nice to meet you - I'm a 25 year old lad from Newcastle I recently got declined for a mortgage and they said its because I have defaults and some "problematic open accounts" on my report? can you please check for me and shed some light on something I've missed? I had 3 defaults - I managed to get 1 totally removed by Vodafone by just asking really nicely however the money shop and cap quest aren't budging when I look at my report all of the "bad accounts" show a balance above being zero but in the grids below a lot of them don't end with a 0 - is this normal? also at the end of my experian report it lists all my payday loans in a huge list and all of them have a (closed) after them but these 2 defaulted accounts look there still open - is this correct? I owe nothing to these companies now - I have tried threatening the moneyshop with putting in a compensation claim (they totally took advantage and gave me around 20 loans almost back to back) so I said to them to save you all this money you'll pay me just remove the default and we'll call it quits - I got the standard reply of: expect to hear from us for up to 8 weeks but we have a backlog so it may be it a bit longer. With capquest they just keep saying speak to very - which I do. then they tell me to speak back to capquest let me know if you can help me - in the meantime I've had to go through a sub prime mortgage lender as a last grip to getting our dream house which came up mega cheap due to a family illness but if possible I want to try and get NatWest to accept me in the meantime saving a substantial amount of money. any point in the right direction will be highly appreciated let me know if you want a pdf of my report and ill send it over for you thanks again Dan