DMP & Mutual Support Thread - Part 11

January2015

heavenlyharry01 wrote: »

Hi

Are lloyds and Halifax the same bank as such?

I wanted to open a second safe bank account to save into and I opted for a Halifax basic. Now I've just seen when I went to register for online banking the website address is lloyds bnking group
I have a loan with lloyds.
Would they be able to take money from the Halifax account to pay the lloyds loan?

We had current account and loan accounts with Halifax. The current account is now being collected (through our DMP) by Lloyds. First contact we have ever had with Lloyds. We had no previous accounts or connection with them whatsoever - so I would say be careful with Halifax/Lloyds as they are clearly linked somehow.

[Deleted User]

Just nearly had a heart attack when I logged in to my Noddle account to see my total outstanding debt has risen by £3200 in the past couple of weeks:eek:. This despite payments via SC all being up to date.


It looks as if one of the debts has been counted twice with the original DCA reporting to Noddle as well as the new buyer of the debt. Both show payments up to the current one so that's something else I need to take up with someone. I've definitely only paid one of them but I'd like the balance etc to show the accurate situation as it looks as if I've got 7 current debts/creditors instead of only 6. Noddle often show things wrongly, I can't trust the validity of their data 100%:(

CP2016

lumpyspaceprincess wrote: »

Just had my latest Step change statement, wow. almost 70% paid off, I can't believe I've managed to pay so much off since I started. Oh how I cannot wait for a years time (or less ) til I'm staring at that £0 outstanding figure!

lumpyspaceprincess that is fantastic... not long to go now.:T

CP2016

carbootcrazy wrote: »

Just nearly had a heart attack when I logged in to my Noddle account to see my total outstanding debt has risen by £3200 in the past couple of weeks:eek:. This despite payments via SC all being up to date.


It looks as if one of the debts has been counted twice with the original DCA reporting to Noddle as well as the new buyer of the debt. Both show payments up to the current one so that's something else I need to take up with someone. I've definitely only paid one of them but I'd like the balance etc to show the accurate situation as it looks as if I've got 7 current debts/creditors instead of only 6. Noddle often show things wrongly, I can't trust the validity of their data 100%:(

Could it be that your original DCA hasn't told the credit reference people yet? Maybe there'll be a month's overlap and then it will disappear - that happened with my BC account.

Little_Miss_Sunshine

heavenlyharry01 wrote: »

Hi

Are lloyds and Halifax the same bank as such?

I wanted to open a second safe bank account to save into and I opted for a Halifax basic. Now I've just seen when I went to register for online banking the website address is lloyds bnking group
I have a loan with lloyds.
Would they be able to take money from the Halifax account to pay the lloyds loan?

They are part of the same group. We used nation wide and a small building society.

Lyntonsbird

I've just got a letter from them to say they are reducing the minimum payment to surprise surprise the amount SC offered.. they have cleared the arrears and put interest to zero till may 17. But this means I will have to go through this again then doesn't it

MrsSammyB

Evening all,

Anyone had any problems with Sky? As in, do they run a credit check on you to accept you? Wanting to change telly package over and it's a massive saving, just don't want to fall at the last hurdle!

Thanking you all in advance x

sourcrates

MrsSammyB wrote: »

Evening all,

Anyone had any problems with Sky? As in, do they run a credit check on you to accept you? Wanting to change telly package over and it's a massive saving, just don't want to fall at the last hurdle!

Thanking you all in advance x

I've had a new contract with sky with an insolvency on my credit file, so hope that answers your question.

Sazzie23

MrsSammyB wrote: »

Evening all,

Anyone had any problems with Sky? As in, do they run a credit check on you to accept you? Wanting to change telly package over and it's a massive saving, just don't want to fall at the last hurdle!

Thanking you all in advance x

I approach these type of credit checks now with the attitude that if they refuse, then they do and I'm no worse off for trying. So go for it.

Saz

Sazzie23

carbootcrazy wrote: »

Just nearly had a heart attack when I logged in to my Noddle account to see my total outstanding debt has risen by £3200 in the past couple of weeks:eek:. This despite payments via SC all being up to date.


It looks as if one of the debts has been counted twice with the original DCA reporting to Noddle as well as the new buyer of the debt. Both show payments up to the current one so that's something else I need to take up with someone. I've definitely only paid one of them but I'd like the balance etc to show the accurate situation as it looks as if I've got 7 current debts/creditors instead of only 6. Noddle often show things wrongly, I can't trust the validity of their data 100%:(

OMG I'd have had a turn if I'd seen that. Better that you check it though, otherwise you'd never have known. With light of experience from CP, I'd probably monitor it for 2 months as I find Noddle usually catches up within about 2 months, then if not fixed make a complaint.

lumpyspaceprincess wrote: »

Just had my latest Step change statement, wow. almost 70% paid off, I can't believe I've managed to pay so much off since I started. Oh how I cannot wait for a years time (or less ) til I'm staring at that £0 outstanding figure!

Yeah :T:T Go LSP :T

Saz