Sub Prime Credit Thread Part III

seeya23

izools wrote: »

Oh fair enough I think it'll be a long time until I hit that kind of salary!!

me too :rotfl::rotfl::rotfl:

fairmorn308

Morning troops

Just cancelled my Accounts with equifax and experian as dont need them every month.

Also call credit account was cancelled last month and there still taking money this month so will be getting onto my credit card to put a stop to that aswell.

RBS have added my new bank account to Equifax tho as a current account

doelani

fairmorn308 wrote: »

Morning troops

Just cancelled my Accounts with equifax and experian as dont need them every month.

Also call credit account was cancelled last month and there still taking money this month so will be getting onto my credit card to put a stop to that aswell.

RBS have added my new bank account to Equifax tho as a current account

You are orginised lol


Well this week I canceeled all my jdwiliams accounts except one ( 4 accounts ) need to kep one as I buy shoes form them. Have my balance transfer done from canquis so £100 left to pay which may do today and then will be closing my vanquis. Aqua next

I did the same with equifax and experian a few months ago once my last default date was corrected and I know all the accounts had been marked as paid ( after IVA ) I am just goigng to send for paper copy every 6 months.

izools

doelani wrote: »

You are orginised lol


Well this week I canceeled all my jdwiliams accounts except one ( 4 accounts ) need to kep one as I buy shoes form them. Have my balance transfer done from canquis so £100 left to pay which may do today and then will be closing my vanquis. Aqua next

I did the same with equifax and experian a few months ago once my last default date was corrected and I know all the accounts had been marked as paid ( after IVA ) I am just goigng to send for paper copy every 6 months.

Question - in IVA / Bankruptcy, is it true that all the accounts written into the Bankruptcy order or IVA should show a default date no later than the date of judgement?

Because a lot of my defaults that were written into the BR order, although now marked as satisfied, show a default date a few months after the BR order.

Should I raise notices of dispute through the credit reference agencies to get this corrected? Are they likely to be agreeable? Is it likely to make a difference?

Thanks for any input you can offer

dane-katie

The defaults should be no later than your bankruptcy date, and should be satisfied/partly satisfied no later than your discharge date.

See link below to see how to get it changed im in the middle of doing it myself but i have 15 defaults!!!!! lol

http://forums.moneysavingexpert.com/showthread.html?t=677875

izools

Yeah I have a similar number of defaults... this is going to be fun.....

Thanks for the link!

sutton111

izools wrote: »

Yeah I have a similar number of defaults... this is going to be fun.....

Thanks for the link!

Just out of interest, who is your mobile provider? I only ask because you have quite a few defaults.

cifpower

sutton111 wrote: »

Just out of interest, who is your mobile provider? I only ask because you have quite a few defaults.

Bootylicious is back! Yay!

sutton111

PROLIANT wrote: »

Where is Sutton?

I'm here. I got a little pis*ed off with a few "things" on here so I left for a bit. :rolleyes:

How are you P?

sutton111

cifpower wrote: »

Bootylicious is back! Yay!

What is bootylicious is it something sh*te?