WIll Natwest help my brother?

Birminghamboy

Hi. 

not sure if this should be a new thread? Can it be merged with my other thread if not??

So.... I am helping my brother sort out his horrendous finances. We have just had success in getting one recent default removed. I am now looking at the credit cards he has had with Creation -

He has 4 cards with Creation and in 2017 he had a combined balance of around £12000. He contacted Creation in July 2017 and explained that he was struggling with his mental health etc, and they agreed to put his account on hold. This meant that he wasn't required to make any payment, however he did maintain the minimum payments, albeit with no interest added. This has continued since 2017. On a few occasions he has been asked to update his position but nothing regular. This means that he has been on an arrangement to pay for nearly 8 years. 

Had the cards defaulted back in 2017/18, the accounts would have fallen off his credit file by now and this would mean that he would be in a better position. Is there any scope for us to complain to creation and ask them to issue a backdated default for 2017/18?

MattMattMattUK

Birminghamboy said:

Hi. 

not sure if this should be a new thread? Can it be merged with my other thread if not??

So.... I am helping my brother sort out his horrendous finances. We have just had success in getting one recent default removed. I am now looking at the credit cards he has had with Creation -

He has 4 cards with Creation and in 2017 he had a combined balance of around £12000. He contacted Creation in July 2017 and explained that he was struggling with his mental health etc, and they agreed to put his account on hold. This meant that he wasn't required to make any payment, however he did maintain the minimum payments, albeit with no interest added. This has continued since 2017. On a few occasions he has been asked to update his position but nothing regular. This means that he has been on an arrangement to pay for nearly 8 years. 

Had the cards defaulted back in 2017/18, the accounts would have fallen off his credit file by now and this would mean that he would be in a better position. Is there any scope for us to complain to creation and ask them to issue a backdated default for 2017/18?

It would probably make sense to keep the threads all together so people can see the full picture.

In terms of this the answer is almost certainly no, but considering the success on the other one why not give it a go.

Birminghamboy

MattMattMattUK said:

Birminghamboy said:

Hi. 

not sure if this should be a new thread? Can it be merged with my other thread if not??

So.... I am helping my brother sort out his horrendous finances. We have just had success in getting one recent default removed. I am now looking at the credit cards he has had with Creation -

He has 4 cards with Creation and in 2017 he had a combined balance of around £12000. He contacted Creation in July 2017 and explained that he was struggling with his mental health etc, and they agreed to put his account on hold. This meant that he wasn't required to make any payment, however he did maintain the minimum payments, albeit with no interest added. This has continued since 2017. On a few occasions he has been asked to update his position but nothing regular. This means that he has been on an arrangement to pay for nearly 8 years. 

Had the cards defaulted back in 2017/18, the accounts would have fallen off his credit file by now and this would mean that he would be in a better position. Is there any scope for us to complain to creation and ask them to issue a backdated default for 2017/18?

It would probably make sense to keep the threads all together so people can see the full picture.

In terms of this the answer is almost certainly no, but considering the success on the other one why not give it a go.

Thank you - can admin merge them, or is there a way that I can do it?

ManyWays

 I have already cleared the arrears and will clear the remaining balance when the default is no longer on his credit file. 
is that the best use of your money? You may be able to use the same amount to make settlement offers on much larger older debts eg the Creation ones

MattMattMattUK

Birminghamboy said:

MattMattMattUK said:

Birminghamboy said:

Hi. 

not sure if this should be a new thread? Can it be merged with my other thread if not??

So.... I am helping my brother sort out his horrendous finances. We have just had success in getting one recent default removed. I am now looking at the credit cards he has had with Creation -

He has 4 cards with Creation and in 2017 he had a combined balance of around £12000. He contacted Creation in July 2017 and explained that he was struggling with his mental health etc, and they agreed to put his account on hold. This meant that he wasn't required to make any payment, however he did maintain the minimum payments, albeit with no interest added. This has continued since 2017. On a few occasions he has been asked to update his position but nothing regular. This means that he has been on an arrangement to pay for nearly 8 years. 

Had the cards defaulted back in 2017/18, the accounts would have fallen off his credit file by now and this would mean that he would be in a better position. Is there any scope for us to complain to creation and ask them to issue a backdated default for 2017/18?

It would probably make sense to keep the threads all together so people can see the full picture.

In terms of this the answer is almost certainly no, but considering the success on the other one why not give it a go.

Thank you - can admin merge them, or is there a way that I can do it?

You cannot, but the mods can, for future reference you use the Report button, then the bottom option of request it is moved and ask in the text.  I have requested it but it might take them a while depending on how busy they are. It might make sense to have the whole combined thread moved to the Debt Free Wanabee board. 

sourcrates

I`ll merge them for you.