Hi,
I have been reading the forum with interest and thanks to all those who input.
I had to enter a trust deed (IVA) 4 years ago which has been settled. Around four years ago I had a breakdown with divorce, fighting for access for my kids and a large amount of credit card debt...a large chunk I did not know about. Divorced now so water under the bridge.
I had income and mortgage protection policies wich covered the basics and they were really good ...paid out no problem...phew!!
BUT After paying PPI for years on the credit cards I was shocked even more to find out that if I claimed on them it would reduce my income and mortgage monthly allowances from the independant policies I had
. Basically it was income and mortgage paid or Credit card balance reduced only...one or the other. It was a no Brainer and I entered a trust deed to cover the debts on credit cards.
Only this week I have started chasing for the PPI refund...so thats 'fine' ongoing MBNA,EGG,MINT,
What does 'bother' me is that my credit rating was smashed to bits and was 'forced' into the Trust deed by the PPI being null and void....although I had paid literally thousands over a 12 year period.
Bit angry now however my question is...... would there be any way of having my credit score improved by pursing the card companies that had my credit report tarnished i.e. from the non payment of the PPI that wasnt valid / any use when I needed it the most?? Is it possible to have them remove the black mark against me before the 6 years on credit file has run its course??
Bit long winded but seems a good place to start...Thanks for any pointers.
I have been reading the forum with interest and thanks to all those who input.
I had to enter a trust deed (IVA) 4 years ago which has been settled. Around four years ago I had a breakdown with divorce, fighting for access for my kids and a large amount of credit card debt...a large chunk I did not know about. Divorced now so water under the bridge.
I had income and mortgage protection policies wich covered the basics and they were really good ...paid out no problem...phew!!
BUT After paying PPI for years on the credit cards I was shocked even more to find out that if I claimed on them it would reduce my income and mortgage monthly allowances from the independant policies I had
. Basically it was income and mortgage paid or Credit card balance reduced only...one or the other. It was a no Brainer and I entered a trust deed to cover the debts on credit cards.
Only this week I have started chasing for the PPI refund...so thats 'fine' ongoing MBNA,EGG,MINT,
What does 'bother' me is that my credit rating was smashed to bits and was 'forced' into the Trust deed by the PPI being null and void....although I had paid literally thousands over a 12 year period.
Bit angry now however my question is...... would there be any way of having my credit score improved by pursing the card companies that had my credit report tarnished i.e. from the non payment of the PPI that wasnt valid / any use when I needed it the most?? Is it possible to have them remove the black mark against me before the 6 years on credit file has run its course??
Bit long winded but seems a good place to start...Thanks for any pointers.
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