CIF
@cif
Reputable Member
Joined: Jan 15, 2013
Last seen: Oct 5, 2023
Topics: 20 / Replies: 192
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RE: Credit file after being discharged

@kevin-mapstone Hi Kevin, it took a bit of finding to be honest. I think it was on another debt forum where I first found it.

5 months ago
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RE: Credit file after being discharged

@jellytot75 I found the quickest way to sort it was to make a complaint to the individual company's CEO. I had posted the following before re correct...

5 months ago
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RE: Reached the End!

It will still take a while but the affected accounts will start to show as satisfied, partially satisfied or settled. The Trust Deed itself will stay ...

11 months ago
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RE: Credit file dates after TD completed.

If you make a GDPR complaint and send it to the CEO of the company, they tend to sort fairly quickly. There is a site where you can get email addresse...

12 months ago
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RE: Discharged TD - Reappeared On Credit File

Definitely shouldn't be there. I would raise a dispute with the credit agencies as soon as.

1 year ago
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RE: Car write off

One for your Trustee but I can't see you having to pay any more than you agreed on the asset value when you extended it, so it would be the £300 you w...

1 year ago
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RE: Car write off

I can't see it affecting anything. Your Insurer (in theory) would pay out the market value of your vehicle, so you would replace like for like and the...

1 year ago
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RE: HELP! New TD & situation has changed

@rmmt1 Apparently it is theoretically possible to get a mortgage in a TD but almost certainly not worthwhile doing. I am stick on a high variable rate...

1 year ago
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RE: bank account post-TD

The largest banks are obliged to offer a basic account these days and have been for some time. More info here; All of them need to have one that ...

1 year ago
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RE: DAS and Re-Mortage

Ciara, which mortgage broker is it? I am on a poor rate and assumed no lender would touch anyone still in a debt plan. It might be worth me speaking t...

1 year ago
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RE: credit file/report after trust deed

It does take time and they are slow to update the info they have to the credit agencies. From memory they only have to mark them as "partially satisf...

1 year ago
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RE: Expenses review

The big six banks are obliged to offer basic bank accounts with debit cards to folk in our situation, so you will have no problem. I had a basic accou...

2 years ago
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RE: Expenses review

Christina - I opened an account with Virgin Money when I entered my TD without any issue. They give you a contactless Mastercard debit card as standar...

2 years ago
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RE: Defaults post-TD

Hi Louise, Just to echo what DBHA21 has said, the Information Commissioners Office guidance states; "Relationship of defaults to CCJs, decrees, ...

2 years ago
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RE: Cost of living crisis

I've seen it Tigh. The offer is an existing customer one, so it's not available on the general market. Taking into account it going up again in Octobe...

2 years ago
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