The Sub Prime Credit Thread - Part IV

wizzywig27

seeya23 wrote: »

my minumum payment is £59.06 on bal of £979



12/01/2010 -- -- STMNT NO. 14 AMOUNT DUE 59.06 -- Service Charge £27.23

How does that one work out then? your balance is 4 x the amount of mine, yet your payment is only £20 more?

Zack1

never-in-doubt wrote: »

I have a habit of interrupting at the wrong time - usually culminating in premature completion of the task at hand or cessation of insertion at the point of contact



figure that one out then!

:rotfl:

My head hurts too much from last night, I'm not even going to attempt it!! :rotfl:

Zack1

seeya23 wrote: »

my minumum payment is £59.06 on bal of £979



12/01/2010 -- -- STMNT NO. 14 AMOUNT DUE 59.06 -- Service Charge £27.23

27 quid service charge!? Is that a month!? OUCH!!!!!!!

seeya23

i got a letter last year saying your minumum payment from now on will be less and if you pay the minumum payment it will take you longer to pay off

seeya23

Zack1 wrote: »

27 quid service charge!? Is that a month!? OUCH!!!!!!!

yes it is on bal of £1006

Innocent_Guy

This is a copy of an email I have just sent Callcredit.

Good Afternoon,

Further to reviewing my current callcredit report (via an external site) I can see that I once again have incorrect linked address and defaults!

Please review my previous correspondence and complaint relating to this.

I would like to remind callcredit that the only addresses I have lived at are

1) 2 Anystreet

2) 1 Anystreet

My DOB is X

If I recall correctly the previous links were for another Innocent Guy whom had a difference DOB ( Please review complaint ref: x if needby)

Please provide me with the address for me to submit a Subject Access Request as I may pursue this matter through the small claims court as this incorrect information is SLANDEROUS!

I would also like as a courtesy a copy of my current credit report forwarded to my current address of 2 Anystreet.

I am aware that the information may have to be queried with the lenders however please refer back to the previous time this has occurred. I would like to remind you of the legal position you are in. It is your responsibility to ensure that all data you hold on your system is accurate and I am shocked that you have once again allowed this erroneous data to become attached to my credit files.

Please arrange for a member of your management team to contact me on X as a matter of urgency to discuss this matter.

I hope that Callcredit Plc make this matter as stress free as possible considering this error is not my fault.

Kind Regards

Innocent Guy.

Innocent_Guy

I think that my internal score with my current accounts must be affected by the above? Surely these links will show on CAIS?

cifpower

It's not slanderous as that is verbal. It is libellous if that. I would say it was more defamatory.

seeya23

my bal is now £1006

ElkyElky

So basically this 'service charge' is the same as monthly interest?