Dear all, We are free at last! After several weeks of chasing GE Money to get them to remove their default from our Equifax and Experian files they did so on Friday and our files show us to be credit worthy again. We are very grateful to a friendly and very apologetic manager at GE called Melissa wh...

Hello Heidi, Did you keep all the letters and statements that you received from the various creditors and the companies that the debts were sold on to. I am fortunate that I did in an organised manner so I knew where to start. I successfully tracked and contacted the company called 'Hold co' in Irel...

Thank you very much Eric, that is brilliant. I'll call them on Friday and if its still not removed I will do as you advise.

Good evening all, We can't seem to get over the finish line with clearing our defaults off our credit files. The 2 from Holdco (above) vanished after 7 days of speaking to the company but we seem to be getting nowhere with our one default with GE Money which is showing on both Equifax and Experian f...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by shazj1007 Scooby I think it was around £24000 Watzki, I can't wait for that cc to arrive! shazj1007. ours was nearly 54k accrued through bad advice by a financial consultant when we moved house and ess...

Shazj1007; I am curious, Am I allowed to ask what your original debt was?

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by shazj1007 That's good scooby, hope ours is as stress free. To be fair we haven't had any issues with FJ, yes our payments have gone from £180 at the start to £422 to the end but we fully understood tha...

Well done watzki with the near completion of your IVA. We too had FJ for the full 6 years and I still cannot believe that it finished so stress free. We paid our last payment in Nov 15 and received our CC on 6 Jan 16. We banked with Think money throughout and have stayed with them since as we like t...

Thanks again. I have positive news having just spoken to both the companies who have agreed to take the appropriate steps to clean up our files for me through Equifax, Experian and call credit. I was told it could be a few days but it may take up to 28 with Experian. My first call was to PCO Holdco:...

Thanks again. I have just spoken to Equifax (offshore call centre) and they have now agreed that the entries should not be there and they said that I have to contact the companies myself. I have some numbers from the net and have tried them without success. I am finding it VERY stressful as I feel I...

Thank you both. VERY MUCH! I spoke to someone called Dorothy in some far out land! I have looked back at my credit file: re GE money, it shows that the Jan and then Feb (2010) payments were late by 1 month and March is then in red (up to 3 mths late). I assume that I defaulted then. Re the other 2. ...

Good evening all, When does the 6 years start to clear Credit report? Further to my post a few days ago re car finance we decided to look at our report today held by Equifax and signed up for the 30 day trial. In brief: we have 3 entries that we weren’t expecting to see; the first is with GE money. ...

Yes sorry, AC refers to Available Car as suggested in the title. I was trying to be clever in shortening it which many others do.

Many thanks for all the guidance. Yes we had a 5 year IVA and an 12 month extension (Equity Release clause). I think; without digging out the files that we finished last Nov 2016 and received the CC just before last Xmas. We are specifically looking for a particular model of Ford Kuga as like our ex...

Thanks Kallis, I have already been called by their Leeds site after I expressed an interest of the car on their website. I didn't mention the IVA but asked that Q about the possibility of pre finance and the lady said that applications were done against a particular vehicle etc and they wouldn't be ...