Ar rejected blacklisted for life

dumpyboy

It was the ico told me to go to fos as I took the complanet to them first they said they could not change it as a arrangement was what I was on but to them it seem un fair for the length of 16 to 18 years was unfair but out of there scope to rule on

Thrugelmir

dumpyboy wrote: »

seem un fair for the length of 16 to 18 years was unfair but out of there scope to rule on

Pay the debt owed off quicker. Onus is on you.

dumpyboy

Thrugelmir wrote: »

Pay the debt owed off quicker. Onus is on you.

After today I think the opposite I would have been in a better position if instead of paying 200 a month I've paid a pound the account would have defaulted 7 to 8 years ago and not going to reported for 16 to 18 years , who s the biggest mug some one who clears there debts blacklisted for life or someone who do not, then have a clean slate after 6 years and can start again, if I could go back in time I know what I would do

thebritishbloke

dumpyboy wrote: »

After today I think the opposite I would have been in a better position if instead of paying 200 a month I've paid a pound the account would have defaulted 7 to 8 years ago and not going to reported for 16 to 18 years , who s the biggest mug some one who clears there debts blacklisted for life or someone who do not, then have a clean slate after 6 years and can start again, if I could go back in time I know what I would do

It could still be reported for 16 to 18 years if you had an AR with them to pay them X amount until the debt is repaid. Credit stays on your report for 6 years from the date of final payment, if it would take you that long to pay it off, it would still be on your file regardless.

If you want the debt to "disappear", then you're looking at bankruptcy, which is a very very big step to just having a single AR.

dumpyboy

The last few days has made see just how elitesist the world is haveing ask the adjudicator why parts of my complanet were not looked at an answered in there view not relevant, the debt exist you have defaulted on paying it . They can add accounts change dates of a agreements add debt management marker 5 years after the event put a monthly status symbol to say payments not made inline with contractual agreement all irreverent if you in debt

Gordon_Hose

If you in an arrangement to pay then they have to record it as such.

RuthnJasper

But according to one of your other threads, you are still trying to obtain loans (you mention sub-prime lending and a £7000 "Hippo" loan in one).

Why are you making things worse for yourself?

Assuming you're not posting for fun/trolling, I really think your best bet would be to contact http://www.stepchange.org/ before you get yourself into an even worse pickle. Sooner or later (probably sooner), your only recourse to loans will be from people who come collecting by kicking your door in at 4am.

DorisKelly

You should go back to the FOS, they should look at complaints going back longer than six months. Talk to FOS and see if there any way for a solution or not.

dumpyboy

RuthnJasper wrote: »

But according to one of your other threads, you are still trying to obtain loans (you mention sub-prime lending and a £7000 "Hippo" loan in one).

Why are you making things worse for yourself?

Assuming you're not posting for fun/trolling, I really think your best bet would be to contact http://www.stepchange.org/ before you get yourself into an even worse pickle. Sooner or later (probably sooner), your only recourse to loans will be from people who come collecting by kicking your door in at 4am.

I am not posting for fun /trolling I am serious about if you have read my other post you will see since late 2006 early 2007 I have brought a debt down from 78000 to around 10000 the 7000 would clear the lot 2 defauted accounts and the one showing arrangement which is a bug the real bug bear they have a head line arrangement marking it monthlyas they reduced the interst , that I am not meeting my monthly contract payments to start with in 2007 only half but now 3times the miminum payment on the card. I have not come 7 years to take the advice of a debt mangement company to stop paying let it default then set a new repayment plan in place or a part settlement.i did not think going on a repayment plan for 14 years or being took to court knowing what I know I would have let them take me to court in 2007 as I now know they would not have got more then 200 pound a month. So I am very serious over this

dumpyboy

DorisKelly wrote: »

You should go back to the FOS, they should look at complaints going back longer than six months. Talk to FOS and see if there any way for a solution or not.

It goes back to 2006 they are of the opion that I agreed to the plan so live. With it