The credit file of the victim would be black marked!For how long you mght say? Future loans are affected too. That's one of the consequence of ID fraud. There is no co-ordination between Bank depts and thats why even though the cards were stopped the fraudent mortgage was granted. Everyone passes th...

The 100% automated process in credit file managment is an issue.It affects I think 8% of people [4 milion?],and can be traumatic. There needs to be more of a personal touch and not left to a computer that cannot differential between deliberate none payment and a payment that say got lost. There is c...

These agencies are just go betweeners and are never responsible for anything that is incorrect....leaving you to sort it out in your own time and espence. Its another one of those bad banking stories Look at these recent disputes:- These are people who not even insolvent! Case 1: I recently applied ...

This is going to be like throwing an elephant into a bath tub whatever the outcome. The FSA said any refunds will have to go back to 2001. The amount around 20 billion. There ARE MEDDLING ATTEMPTS TO SOFTEN THE BLOW TO THE BANKS IN THE BACKGROUND.THEY CAN'T COUGH UP THIS MONEY IN THE CURRENT TIME.NO...

Just heard Mervin King's live speech...he mauled the Banks

Can somebody give this county an IVA please? So that government can manage its money as debtors could?

You want to cry if this was your income and expenditure:- Is this the end of prosperity as we know it? http://www.thisismoney.co.uk/news/article.html?in_article_id=492161&in_page_id=2&position=moretopstories Debts have been hidden from public accounts. Bankers madness cost the government to set asid...

Over 100,000 expected....£8 an hour and no they are not mainly appliants from students.Not this time.

Don't need to say anymore on this....but will an IP take 50% as OT?? Surely not???

We had a situation now where getting a VD card for debtors on IVA was a problem and now its all freely avaliable? I have two and will have three when NW changes over to Visa.Great of course. It just goes to show that the Banks are constantly reinventing 'plastic' pointlessly. We only needed either a...

All those solo/maestro cards are updated on a roll out programme so ther is no need to contact NW, they will send the new cards out automatically.

Incidentally,they asked to upgrade the Step account, but have to do a full credit check....I kindly declined...!

In reflection, a good credit file is needed only if you need to borrow money. If you are nearing..retirment..with no RE-mortgage to deal with, is a bad CF going to worry you?? Yes, this judgement only affect the young and restless who will need to borrow and so wouldn't like to be out in the cold fo...

....was bound to happen! A recent landmark High Court ruling has effectively scuppered the ability of indebted people to escape paying back their loans without serious consequences. Fair play? Borrowers have effectively been forced to pay back their debts. The ruling means that if borrowers manage ...

I think you called the creditors bluff[rightly so]...and they relented.Imaging if you said OK to the 12 months extension. The ground is shifting and debtors are getting more slack than two years ago when these banks act like 'untounchable'.People would be afraid to push for concessions. Great! How t...

I just heard on Radio 4 phone in programme, the government is short of money by 90 billion a year.Basically a 90 billion Overdraft exist in some form. From an individual level, £9,000 short a year,leading to CC spending and interest will do damage in the long run leading to a voluntary agreement wit...

We have seen the following legal agreements also been problematic around:- -all geared at ripping off consumers- Payment Protection Insurance Whole of life insurance Extended warranties Hospital cash plans Mortgage endowments Friendly society plans Insurance bonds Variable annuities All of these agr...

Disappointed by this Bank. Having secured the Cashminder account, they say the rejection for the savings account was based on Bankruptcy! I say I am in an IVA. The Bank say its does't have a policy to say Yes or No to a savings account if you have an IVA. I then asked if they treat a Bankrupt person...