I am in just a big a mess as many others with payday loans.My spiral of debt with them got to the point when I had only £16 left in my bank account only 3 days after I got paid (monthly) and I still had food and petrol for the month to buy (My petrol bill is £550 a month on its own!)So I am in no other position than to default and arrange repayment plans.Firstly though, I wanted to ask a question regarding cancelling cards and bank accounts.I understand that I will have to cancel my card.... thats not an issue. But would I really have to change accounts?I check my bank regularly.. every day or too via the internet so could quite easily check if any new DD's had been set up.Or is it not as simple as that, and that they could get money from my account without a DD being set up?Any ideas?

I like many on here have discovered over the last 3 months that MMF have put 2 "8" entries on my CRA file, but yesterday I received the notice of assignment letters from them confirming that they now owned the debt etc. So if they put the default entry on my CRA account months before they actually had the debt assigned to them does it make the "8" entry unlawful or is there some clever legal wording around this ?

Not sure where to start with this...but am in the process of getting my affairs in order. I am awaiting various SAR replies, CCA replies, some PPI claims and at some point some charges claims. I am trying to do things in a sensible order now rather than going off half-cocked! Had some very useful advice from DX that made me look at things in a different way but moving on from that i'm trying to consider some of the next moves I may need make, and i'm trying to get my head around what the law says. Firstly I should point out currently my debts are being managed through the CCCs and I have one CCJ i will be paying for a VERY long time. This CCJ also carries a Charging order on my property - but i'm staying put so no worries there! Most of my defaults are three or so years old and I am paying nominal amounts on them. I suspect of the three non-ccj debts that have been sold on two of them will not be able to provide a valid CCA. One of these debts for some reason doesn't have a default against it but shows as an arrangement to pay on my credit file every month. Is this allowed/legal/acceptable as they bought it with this arrangement in place? I've seen estoppel mentioned but I don't know if it applies to me? If i understand things correctly this DCA can register a default on my account if i were to stop paying - and this will be the case until such time as i have paid this debt in full or come to a full and final figure? With regards to the other debts if i just pay for the next three years and then stop on the basis for example that the debt is unenforceable i cannot be punished on a CRA by any means ie second defaults can't be registered, i cannot be taken to court, etc as i will have already had the default registered on the account. Hope this is making sense. Would welcome any input - especially on the legal side of things. Hx

Hello, I have just checked my Credit file and I have 3 new defaults on my file from Cabot. Cabot have only just brought all 3 of these debts from Northern Rock. If the same debts were defaulted by NR before they sold them on are Cabot allowed to do this? I am unsure if they were defaulted but believe they would have been. The debts (loans) were taken out in approx: Aug 2006 Aug 2007 Aug 2008 All have recently Mar 15 been sold to Cabot who have then placed a default on my file? CCA requests have been sent for all 3 debts. Is there any other way other than a SAR to find out if they had been defaults previously with NR. Thank you

Hello, I am new to this forum, so firstly hello! I have 3 defaults on my credit file, with between 3 and 5 years remaining till they drop off. I am trying to decide the best way to deal with them and improve my credit rating as quick as possible. I have read around ref F&F settlement offers etc... and would like a clear answer on the best way to go. From what I can see I have the following options: 1. Leave as is and make minimum payments (the entire acount will drop off after 6 years anwyway) 2. Make a F&F offer demanding that defaults are removed and account settled (anyone every achieved this?) 3. Make F&F offer and accept file marked as partially settled I want to apply for a mortage at some point, hence why I am now trying to get these defaults dealt with. If no matter what I do the default will remain, then I might as well just make a F&F offer (or mimimum payment) and save myself some money in the long run. Any advice is greatly appreciated. Cheers

Hi all, Sorry new here but hoping you may be able to help. I have just registered with noodle as had started to receive calls from a company called MKRR. They wanted me to confirm who I was but as I had no idea who they were and so wouldn't confirm anything with them until they confirmed who they were. Unfortunately they are now persistant and a web search revealed they were a debt collection agency yet until i can confirm who they are and what they represent and want I am not comfortable passing their identity confirmation checks!!! Once registered with noodle I was surprised to see 3 defaults on my file. One was from Mkdp llp with a default date of 30/11/2010 and the other two are from Marlin financial with a default date of 29/11/2011. Obviously neither of these companies are MKRR and I'm not sure where these defaults have come from as I have never received a default notice and not sure what the debts are for? Anyone have any suggestions of how to tackle this? With many thanks in advance, ZF

Afternoon everyone! I have successfully had 3 defaults removed, 3 debts written off and I am in the process of having one more default removed and debt written off! I have been on my journey for about a year! Its flew over, and brings me excitement to challenge these DCA! especially with so many positive results! I will be going into more and more detail! Good Luck - any questions?

Hello, this is my first ever post!!!! I am looking to clarify some information i have heard please if anyone can help. I got into and am still in a big financial mess due to long term ill health and not being able to work. I had 13 credit cards and 4 bank accounts that all defaulted about 2 years ago. They are with all the main institutions... Halifax, RBS, MBNA , Barclaycard, HSBC etc. I have standing orders set up paying them all £1 per month, as advised by the debt charities i spoke to. All have frozen interest and charges, and have not sold on the debt due to my ill health. This is what i want clarity on please: 1. After 6 years, I understand all info relating to those cards disappears from my CRA files, but what happens to any debt still left unpaid? Does this just get written off? Clearly at the rate of £1 per month, in 6 years, only £72 will have been paid off of each card! 2. is it a good idea to continue paying £1 per month for all this time? Thanks you all in advance.

Hi, I have a debt with Lloyds, due to a personal loan when I was employed by them. Of course there was PPI on there, as an employee it was required of me in order to get the loan. long story short, I had to resign from my job with them due to moving hundreds of miles into a womens refuge to escape domestic violence. They refused my ppi claim as I had resigned and wouldn't help me transfer my job to another branch. I tried to get them to agree to reduced payments, while I got sorted; again refused. As I had so much else going on, they really were the least of my worries and I ignored them. Right or wrong, I know better now and wouldn't dream of doing it again. The debt became statute barred in October 13, I've found this out through the CAB. I've been getting letters from Lowells, but having read advice on here, ignored them. My credit file was clean, the default had dropped off. I was accepted for a 'proper' bank account, and had to pass a credit check for my current job so I know it was fine. Now all of a sudden, Lowells have placed defaults on my credit file for every month from October 13, which is when I'm assuming they bought the debt. They're saying last payment was made 2009, it wasn't, it was June 2007. I obviously can't ignore them any longer, they're also threatening to take me to court, bless their cotton socks. What do I do now please? Thanks in advance!

Hi, I have posted here before and have had the best help from everyone here and am now wondering if I could get just a little more. Motormile Finance have added 2 defaults to my credit file, both for payday loans, I have only just realised as I haven't been checking my credit file on a regular basis recently. 1 of the accounts was supposedly Default in 04/2012 but has only been on my report for 4 months and the other was supposedly Default in 10/2009 but has only been on my report for 3 months? The plan was to issue a CCA request, do I need to issue a CCA request for each one? Also, does anyone have anything else they can shed any light on about these people and how I should go about handling them?

Hi, I'm posting to see if anyone can give me any advice regarding payday loans which were taken out by my former boyfriend to cover his gambling debts. I didn't know at the time but we were living together and had been together for over ten years, I completely trusted him and he knew my bank details and pin code (foolish of me, I know!). He took a number of payday loans out in my name including from wonga and payday express. After finding out we split up but, as he was already going through some difficulty, I didn't report it as fraud or anything I was just planning to repay it and he would then repay it back to me. Anyways, I wasn't able to repay it and payday express or wonga, I'm not sure which one issued a default on my credit file on the 13th November 2013. I'm now really struggling to get a mortgage because of this and was wondering if I could go about getting this removed somehow. Also, I have no idea how my ex was able to get this loan in my name as, at the time, I wasn't working (stay at home mum) and was receiving £20 child benefit and £30 child tax credit per week! Both loans where around £200 each. I don't recall getting any correspondence from wonga except for the initial letters from them and the same with payday express. My credit report on noodle is showing the default was made by Portfolio Recovery Associates UK Ltd and also one from Arvato Financial Solutions Ltd. Any advice as to how to go about getting these removed from my credit file would be much appreciated xx

I was looking at my credit file with regards to another debt i have had a lot of help with on here and discovered a default i did not recognise from quickbridge, who i have never heard of before now. i have a default from another company (gothica) which is for a wonga loan i took out and for some reason my final payment on my payment plan passed to them. The amounts for both these defaults is identical and im assuming that they are for the same loan. so my question is what do i do? i have a similar problem with multipile companies chasing me for a quick quid debt but i have never been chased by quick bridge. I am due to be paid on monday and had planned to pay this debt in full as it is only 90 pounds thats outstanding on it. should i contact wonga directly? or send quick bridge a letter saying that i have never heard of them and how can i owe them money? I really wish i had never got involved in payday loans! Edit to add: in the payment history bit on my file for the quick bridge one it also says that i was on a debt management plan for two months, which i was not. should i be worried about this?

Hi I have two old credit card accounts with MBNA which have been sold to Arrow Global . I had no joy from Arrow with a CCA request for both account so i did a SAR to MBNA. Neither account had PPI but both will have incurred charges along the way . In the SAR pack i can see no documentation for the transfer or sale of the account to Arrow. Must this be in the pack for Arrow to chase me for the debt . As they are old accounts 2001 and 2004 i have included the CCA in the SAR pack for anyone able to quantify them . I currently pay both accounts £1pcm still to MBNA for the past 2 years while things are tight . Many Thanks

Hi All, So I bit the bullet... Got two defaults... 1 x Lowell's was Orange 1 year left before disappears into the ether, two figure value - probably was a final charge after termination of contract - notice given to terminate on month 23 to end on month 24 (end of). They stated could only terminate from month 24 - I said err no - its a two year contract - I don't wish to continue etc - PAN given (retained old number on new contract - also with EE) Other is RBS - 4 figure with a 1 and 5 at front. OD was limited to 500. About 18 months left to run before disappear. I changed banks to my current due to circumstances - NOA ignored - bad times for me back then (health / work / woman). Charges on Charges on Charges probably make up the bulk. Don't want to wake the hornets. Will do so if they decide to chase with SAR and then will reclaim. Anyway score is trashed 1/5 - what difference will adding the ER information gain me ? Rest of it is healthy, credit cards balances (I pay in full every month and use card every month for spending - just had another increase this year - the third) Water is reported now (WTF!) Bank accounts are shown as zero o/s on monthly updates. Just wanted to know if getting the ER info from the LA will make a difference - been on it for 5 years at current - not recorded. Cheers N

Hi, Am I right in thinking that, before an OC can sell the debt on, they have to default me first? If so, am I also right in thinking that the DCA who bought the debt cannot, therefore, default me again? I have 3 defaults by the DCA which were about 12 months after the OC defaulted me. The original defaults should have disappeared by now , but the DCA defaults are still on for another year.

Hi, I am new here but been reading a lot of helpful info and thought id post my own question for clarification. I have a default on my account ... (as is the way when you are young and stupid ) anyway it is about to close and drop off my file this month and next. I read here that accounts drop off after the last listed default. There is one account i have default registered 2008 - first one but there is a debt collectors agency registering a default somehow ... last year ... i am viewing this via a credit report that gives the monthly status of the account and goes back a number of years. I have not tampered with this account i have not given reason for them to move things or the clock to start ticking again .. My question is . . that default they registered last year .. . does it start the clock again on it or does it go off the original .. thanks in advance for reading my blurb and apologies if this isn't in the right forum . .. kinda lost on navigation.

I had a credit card with Virgin (MBNA) I got into financial difficulties and had to agree reduced payments, these have been made religiously by standing order and never missed for over 2 years, in fact I have increased the monthly payment myself without any prompting from them. For reasons best known to themselves MBNA have now assigned the debt to Moorgate Britannia, MBNA have marked their default as satisfied and Moorgate have registered another, albeit with the same dates. So having stuck to my agreed payment plan and in fact increased the payments off my own bat to try an clear the debt as quickly as possible, I now have 2 defaults for the same debt, is this allowed and if not what can I do about it?

Hi guys, I hope this find's somebody well and they can assist me in some way shape or form. I have never really given my credit much of a thought but never had the intention of just ignoring debts. I had a slight issue with Wonga over the past few years ending in around 2011-12 were i was borrowing roughly £1100 per month paying it back on pay-day and then re-borrowing. I ended up getting into a bit of a mess that i couldnt pay them back so i entered into the wonga repayment scheme after contacting them. I have done this twice now in past and now im pretty much completley debt free apart from a car finance that is up to date and will be paid off in a year. The main issue i am having is that i am refused credit for everything. I have 2 defaults against my name from wonga. Is is right that i have these defaults on my account even though i had never missed a payment with them and they were paid off in full? It seems slightly unfair that i am stuck with poor credit given i never missed a payment date. Is it something i can look into getting reversed if i contact xperian or wonga? I really want to improve my credit but im refused on everything even vanquis! even when i am earning over £34000 a year! Help

Could someone please answer a question, does an IVA remain on a credit reference for six years from the date of inception or the date of completion?

I'm trying to get a bit of clarification with regards to mobile phone companies and defaults. I have two defaults on my credit file with equifax for 02 and Three I asked for copies of the default notices and got the response that they don't have to supply them as they are not covered by the CCA. If they aren't covered by the CCA, how can they enforce a default for 6 years on my credit files (which is regulated by the CCA) and not have to remove it when they full balance has been paid? Thanks

So after a routine check of my credit file this morning I found 2 new entries from motor mile finance, extremely surprised as I have been regularly checking my credit file for the last 6 years. They are supposedly 2 defaults from 2008, I have no idea who this company is or have I ever received any correspondence from them. I cleared all my debt in 2009 and worked on rebuilding my credit, I got a mortgage in 2012 and now have a good credit score. I contacted Experian to query this and await a response. Both entries are listed on the same day in 2008 but I have absolutely no idea what they are for or have ever heard of this company. What do I do? Experian say the defaults will be removed next month but where does this leave me?

I might be fixing this, but I'd appreciate some feedback if possible. Background: In August 2008 I entered into a Trust Deed. Because some of the debts were with Abbey National (as was) I had to get myself a new bank for a current account. I went to Nationwide as they appeared to have a good reputation; well there's a new lesson every day I suppose. After a year of struggling along with two basic bank accounts (one was joint with my wife which we used to manage our household bills) and trying to get by using cash and a prepaid debit card only it was time to change and Barclays offered me a debit card with their basic account. After getting all my direct debits changed over I transferred the remaining few pence and asked Nationwide to close the accounts as they now each had balances of £0. Nationwide wrote back refusing to do so saying there were pending charges - two unpaid DDs from the previous month (I think) on each account (charges of £30 a time) which had not yet been applied. I then began the usual process of disputing the validity of the charges using guidance from this site. I even used the tack of asking them how their charges were calculated as they claimed they were based on cost and not punitive - the irony of that was that they sent a letter saying that they were "open and transparent about charges" but wouldn't provide the cost detail as it was "commercially sensitive". Such charges on my new account with Barclays would have been £8. every month during this dispute period Nationwide put a further £30 unauthorised overdraft charge, and interest on to the -ve balance. This dragged on until I gave them an ultimatum and offered them £16 (based on paying the level of Barclays charge for the original two unpaid DDs) without accepting the liability for them. They accepted this and marked my credit file with a partial settlement from March 2011, preceded by over a year of sustained arrears markers. I have recently read the ICO's publication: “Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies” which clearly states that I wrote to Nationwide just the other day to request that they remove the defaults as the balance they showed was indeed only made up of charges and interest on those charges. Is this right?

Sorry about the length of this: Having recently requested a copy of my credit report from Experian, I noticed there are 2 defaulted accounts for British Gas – one for electric, one for gas. • This was my parents’ property – they had moved out and gone their separate ways and I stayed there until the property was sold in October 2008. • British Gas started the account in my name from 03/07/2008. • I didn't call British Gas to say that I was the new account holder – I don’t know who did but they got my details and the meter readings from someone. • I didn't make any payments on the account whilst living at the property but they say I registered for online billing in August 2008 – I don’t remember doing this. • I moved from the property at the end of September 2008 and they say that meter readings were given to them once again – certainly not by me! • I had no forwarding address when I left the property as I didn't have anywhere to live. • I (very stupidly ) made two payments of £20.00 on 06/03/2009 (don’t know why). • British Gas defaulted the accounts on 06/06/2009 – Electric £50.00, Gas £53.00. Firstly, I sent a letter stating the breach of ICO guidelines on placing defaults after such a long period of time and asking for the defaults to be removed as I hadn't made any payment on the accounts, but they came back saying that I paid £20.00 on each account in March 2009. I hadn't remembered this but on checking my bank statements, I can see now that I did. I then sent a letter explaining my financial difficulties in 2008 and asking, as a gesture of goodwill and because the amounts are so small, would they remove the defaults, but again they said no. I even offered to pay the outstanding balances. I sent a SAR to them, which I've just received back. There are statements dated 07/08/2008 and 15/10/2008 for the electric and gas accounts but no other correspondence from them after the October statements. There are no letters chasing the outstanding balance or saying that they will default the accounts if I don’t make a payment, and I certainly didn't receive anything via email. I didn't actually speak with them to set up the accounts, and from what I can remember they didn't send me any information stating that they report on credit files. If I’d have known this, I would've made different decisions at the time. Would going down the DPA route achieve anything – stating that I didn't know they were acting as data controller and that I hadn't given my consent for them to report on my credit file? Also, considering I hadn't made a payment from the start, July 2008 to March 2009, why did they not default the account sooner? Is there anything else I can do to try and get these defaults removed or will I just have to put up with them until next June? Thanks in advance

I have three defaults that are coming up for 6 yrs old ( 2 this month, 1 on Oct) On my credit history from noddle they show as default every month from then till now, with the balance decreasing until 2011 when I saw the ligh t / snapped and refused to pay anymore. Do those defaults automatically disapear after 6 yrs, or do I have to request Noddle to remove them ? There has been a flurry of activity on one this week when after being stayed for almost 2 yrs I've recieved a letter from Apex notifying that the debt has been transfered to them. As the account is in dispute ( if got as far as Weighmans going to a County Court and then offerening no evidence) I presume that they shoudn't have been sold this "Debt"? Thanks in advance for any answers and thanks for the advice I have spent the last X yrs absorbing.

Hi all just needed some advice I want to get a mortgage but I have the following things showing on my credit file. I originally defaulted an account back in 2010 for T-mobile for the sum of £1619.00, Just don't ask how that bill came about:???:. The debt then got bought by sigma red last year in July and they took me to county court and put a CCJ on my credit file for the amount of £606.00. My ex partner last year took out a peachy loan without me knowing she did it online the cheeky cow. I never knew about this but now I have defaulted for the amount of £249. I need advice on how to try and repair my file from this. I have two O2 mobile contracts which I've never had a late payment on. I have 4 credit cards, 2 of which I owe nothing on and the other ones I owe about £1500 between them. I can pay these off if I wished but just means it will come out of the house deposit. I have 415 points on equifax. I need to get it to 900 any advice please????