Talkmobile financial issue

teotutulan

the best is sainsburrys with 30% chances of getting a loan ! My balances on 2 of them accounts will be cleared later on this month. will that count in th eyes of the lender? 1 of them can`t close it as I can`t find the debt collection company, nobody does !

Candyapple

teotutulan wrote: »

the best is sainsburrys with 30% chances of getting a loan ! My balances on 2 of them accounts will be cleared later on this month. will that count in th eyes of the lender? 1 of them can`t close it as I can`t find the debt collection company, nobody does !

Are you referring to the default amounts you have paid off? Or some other accounts such as credit cards?

Regardless of what you have paid off and even if the rest of your repayment history is perfect, the 3 defaults you have is what will cause you problems until the day they fall off your account.

Even if you somehow managed to get rid of the Talk Mobile one, you still have 2 defaults, this is what matters.

You may as well look at it as not bothering to apply for anything until August 2019 and use that time as an opportunity to save for whatever you want/need because as you've found out, no mainstream lender is going to be willing to offer you a high value loan.

As for the Talk Mobile default, you need to stop calling people and keep everything in writing. You need to write to Talk Mobile and ask them for payment details since they are the ones who applied the default.

teotutulan

Candyapple wrote: »

Are you referring to the default amounts you have paid off? Or some other accounts such as credit cards?

Regardless of what you have paid off and even if the rest of your repayment history is perfect, the 3 defaults you have is what will cause you problems until the day they fall off your account.

Even if you somehow managed to get rid of the Talk Mobile one, you still have 2 defaults, this is what matters.

You may as well look at it as not bothering to apply for anything until August 2019 and use that time as an opportunity to save for whatever you want/need because as you've found out, no mainstream lender is going to be willing to offer you a high value loan.

As for the Talk Mobile default, you need to stop calling people and keep everything in writing. You need to write to Talk Mobile and ask them for payment details since they are the ones who applied the default.

One of the accounts was from a credit caard that I haven`t properly understood the rules and haven`t payed, it went into default and now has been payed in full (they already sent the info to experian)
Another one was from three mobile (who I asked them to freeze the account as I was leaving for 3 moth abroad and didn`t needed the phone, they said yes on the phone but never received a written communication), account that has been payed in full.
And the third one is Talkmobile, account that I can`t find the debt collection agency where I need to pay my debt !
Already registered on the electoral roll and I am waiting for 1st of march update.
This is it !

sourcrates

OP, I`d stop poking the sleeping bear if i were you.

You are just drawing attention to yourself, where before there was none.

The default will not be removed, whatever you say or do, you are stuck with it for the remainder of the six years.

All you are likely to achieve here is having some debt collector reopen an old delinquent file, and start chasing you again for the money.

teotutulan

The amount of the bedt was about 1000 £. Now it`s only 358 towards Talkmobile !

teotutulan

sourcrates wrote: »

OP, I`d stop poking the sleeping bear if i were you.

You are just drawing attention to yourself, where before there was none.

The default will not be removed, whatever you say or do, you are stuck with it for six years.

All you are likely to achieve here is having some debt collector reopen a delinquent file, and start chasing you again for the money.

You don`t get it !!! I wanna pay! I wanna pay! It has been my fault, I was stupid and distraught and whatever you wanna say about me. I admit my fault.
But where do I pay? Talkmobile says I dont`t have any debts and ask Carphone warehouse about the debt collection agency. Carphone says they don`t have my details and ask talkmobile. talkmobile says fredericks have my details. fredericks says lowell has my details. lowel says they don`t have anything on me (other than 1 that is already cleared) and tells me to call talkmobile.
I am not exagerating when I say that I have spent at least 4 hours on the phone (talkmobile and carphone they don`t have native english speakers).
I wanna pay! Where ???

Candyapple

teotutulan wrote: »

You don`t get it !!! I wanna pay! I wanna pay! It has been my fault, I was stupid and distraught and whatever you wanna say about me. I admit my fault.
But where do I pay? Talkmobile says I dont`t have any debts and ask Carphone warehouse about the debt collection agency. Carphone says they don`t have my details and ask talkmobile. talkmobile says fredericks have my details. fredericks says lowell has my details. lowel says they don`t have anything on me (other than 1 that is already cleared) and tells me to call talkmobile.
I am not exagerating when I say that I have spent at least 4 hours on the phone (talkmobile and carphone they don`t have native english speakers).
I wanna pay! Where ???

As above, stop wasting your time on the phone and start writing. It'll also avoid all the untrained chimps on customer service phone calls and go straight to the actual department who will be able to deal with your issue.

Also understand that if you have just registered on the electoral roll it can take 2-3 months for the records to be updated across all 3 credit reference agencies.

teotutulan

Candyapple wrote: »

As above, stop wasting your time on the phone and start writing. It'll also avoid all the untrained chimps on customer service phone calls and go straight to the actual department who will be able to deal with your issue.

Also understand that if you have just registered on the electoral roll it can take 2-3 months for the records to be updated across all 3 credit reference agencies.

I will keep that on my mind. And I will start writing.