Credit card protection query please help Martin

Hyder_2

Hi all, I hope Martin reads this!!!

Here goes!.. Back in 2000 at the turn of the millenium I lost my mobility and hence my job and home which came with the job. I had to claim on the payment protection plan I had ticked on the box of my MBNA card. I must say now at the time they were great and dealt with the claim very quickly. I was sent forms from their insurers London and Edinburgh every 3 months which I had to get signed by my doctors. I thought everything was being taken care of, then we moved and I informed both parties and the forms carried on until the insurers said they had paid the total balance of £2,400. I assumed all had been dealt with, that was until about October 2003 when I was contacted and told that I was being court proceedings were about to be actioned against me.(they had sent letters to my old address) I asked why as I thought my account had been sorted, to my shock they said I now owed just over £3,000. I hastily made arrangements to pay a minimum amount as I was now disabled and on income support. I have now been paying £40/£50 every month for the last 4 years and still have a bit left to pay (less than a quarter). I have contacted them by phone many times to query this as after some early enquiries I found out that while London and Edinburgh sent me forms every 3 months and settled that bill, MBNA were hitting me for late payment fees and other charges for the 2 months inbetween the insurers payments. I questioned these charges and the subsequent black mark on my credit report, but always seemed to get some narky assistant who was always less than helpful. I'm sure this is wrong but don't know how to approach them regarding this as it's now been 2 years since last questioning it, i've just carried on paying to stop getting anymore grief.

Any help or advice would be greatly appreciated

Many thanks

Hyder

sharpiefaefife

Hi, Im looking for advise on defaults on my credit file. I currently have 5 defaults on credit file which the latest defaulted date being 26/6/02 which is just over 5yrs to this day, I believe that defaults come off your credit file after 6yrs which is about 11months time. the highest default i have is with the bank to the amount of £6320, The res are for the amounts of £1762, £270, £173, £0 is the only one that is settled but still defaulted. I have completely changed in the way i handle my money and not beable to obtain credit is holding me back from getting a joint morgage with my wife. What do i do do i write to these companys asking them to remove my defaults or do i just wait until the 6yrs are up and they will be removed automatically im wanting to get a morgage next august thats why im trying to act on it now to have a good credit score. Your advise on this whould be greatful thanks.