Massive debts

1…158159161163164…323

Comments

  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Oh my ACTUAL GOD! My ACTUAL GOD!:eek:

    Just happened to check my hubby's credit report (which I randomly do when I have nowt else to do on nightshift).

    The Barclaycard which I was fighting (no valid CCA) and has consumed 20% of my life over the last 24 months has been marked as settled. Actually settled. We paid them nothing. We are still receiving letters from hounds chasing this.

    How the hell did that happen?

    Also, it was marked as settled May 2010. Now I can tell you, when I last checked the credit report around 6 weeks ago it was a nice glowing shade of red with a default date of May 2010. The default is now showing April 2010 and settled May 2010.

    What am I meant to do with this? I had sliced the total off our debt anyway :o as I was planning to pay them something before we absconded but was willing to fight it to the bitter end.

    HELP???!!!!!
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    BTW this was a healthy £2937, and I know I shouldn't have knocked it off our debt total but I did.:o
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Answered my own question :D.

    Looked in the alerts section of the Equifax site - they marked it settled on 7/10/11.

    I won - I bloody won :D:j:D:j:D:j.

    I did it - I fought Barclays and I won :j.

    Little do they know I was planning on paying them a modest F&F;).

    I realise this isn't exactly a moral victory as we spent the money (and they lumped on the charges), but I'm happy and a little smug nonetheless. Apologies to those offended.
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Off to bed.......still happy ;)
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Meant to say checked mine and hubby's credit reports thoroughly last night (hence the excitement above), and we now each have 2 defaults and 2 arrangement to pays on our records. The rest are settled. Good times (believe it or not)!:D

    Won't find out whether I have the Oz job for another week, and they emailed today to say I'll only be offered it if they can't find someone with "right to work" in Oz first of all. Bad times. :(

    Have gone ahead and emailed the other hospitals wanting to interview me as a back up. Life it seems is complicated after all............bummer.
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • MatyMoo
    MatyMoo Posts: 3,167 Forumite
    Name Dropper First Anniversary First Post
    Well done for beating Barclays :T:T:T

    Your letters are always brilliant and contain so much detail how can anyone not give in to you!
    :j Proud Member of Mike's Mob :j
  • Skint_but_Optimistic
    Skint_but_Optimistic Posts: 3,391 Forumite
    First Post First Anniversary Combo Breaker
    Well done my lovely!

    Im taking Choice to FOS and may be running my letters past you.

    Dont be disheartened about Oz, every field needs both rain and sunshine he right thing will come along....
    Trying to shift that debt!
  • debtfreewannabe321
    debtfreewannabe321 Posts: 7,126 Forumite
    Name Dropper Photogenic First Post First Anniversary
    wow i wish i were as good at writing letters! I have so many I want to write but don't know where to start!

    Well done for beating them! Most of my debt is with barclays so i know what a pain in the a$$ they are!

    dfw x
    MFW 2024 #17
    OP straight to mortgage - APRIL £307/ 206.88 (ytd £640) working towards owning 50%
    MOP savings account 1200 / 3000 to be paid later this year
    Mortgage balance 01/01/24 £99224.13 01/02 £98,833.7201/03 £98,928.18
    01/04 £97,646.20
    Baby EF done £1.5k.Working towards goal 2 £37.75/500
    Food Budget - JAN 484.44/500, FEB 488.59/500, MAR 439.33/500, APR 675.12/500
    https://forums.moneysavingexpert.com/discussion/6496485/buying-a-little-piece-of-middle-england#latest
  • gargrave50
    gargrave50 Posts: 3,011 Forumite
    Skint_but_Optimistic wrote: »
    Well done my lovely!

    every field needs both rain and sunshine he right thing will come along....

    and so the wise woman spoke ;)
    LBM 30/6/9 Unsecured debts [STRIKE]£25,323.48[/STRIKE] £0 :T Debt free
    Left for life Down Under 4th August 2012 - living frugally and have learned my lessons :j:j:j:j
  • Christina_F
    Christina_F Posts: 404 Forumite
    First Anniversary
    hi
    I am just delurking to say congrats about Barclays.
    I wonder if you could me find a template letter to reclaim PPI on a loan
    Thankyou
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards