Is it time for a DMP or try to ride the storm?

Grumpelstiltskin

You still shouldn't have phoned them, a letter by snail mail telling them you only want communication at your home address by snail mail  would have been enough.

RAS

You need to get your credit records (free). Https://experian.co.uk/consumer/statutory-report.html

And check which debts have actually got defaults listed against them. Until that happens creditors can add interest and fees. 

CurlyTop11

RAS said:

You need to get your credit records (free). Https://experian.co.uk/consumer/statutory-report.html

And check which debts have actually got defaults listed against them. Until that happens creditors can add interest and fees. 

All of my accounts, including Zopa, are showing as defaulted on my credit report on both Clearscore and Credit Karma. I have requested from Experian to triple check. Zopa defaulted in January 2024.

CurlyTop11

Is there a template you can use to email/write to companies to tell them to remove telephone contact details and only email or write to you?

I have seen people mention this before, but can't find anything.

Thanks

sourcrates

CurlyTop11 said:

Is there a template you can use to email/write to companies to tell them to remove telephone contact details and only email or write to you?

I have seen people mention this before, but can't find anything.

Thanks

Dear lender,

My account number xxxxxxxx
My name xxxxxxxxx
My address xxxxxxx xxxxxxx xxxxxx

Under GDPR I am able to choose how you are to contact me.

Going forward, please only contact me by email, or in writing, and not by phone.

Please remove all phone numbers you hold for me from your systems.

Thank you.

Regards

Curlytop11