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Classed as Default after Direct Debit Refund
I had a contract with t-mobile for mobile broadband on a 1 year contract which I cancelled after 1 year. Unbeknown to me they failed to process the cancellation and I continued to pay for a year. When I noticed, t - mobile refused to refund me so I asked Barclays to. This Barclays did by rolling back direct debits for a…
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Strang request
I have made a full and final settlement for a Halifax debt. They have written to me asking for proof of id by either a passport or driving licence. Why would they ask for such a thing? They have written to me several times, spoken on the phone a couple never an issue with security questions, or letters arriving what could…
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Credit Rating after ID Fraud
We are looking to remortgage our house and use the funds to buy another. We are about to apply for a 60% LTV mortgage but then I received a bill in the post from O2 fora phone which I didn't order but which was fraudulently taken out in my name and there's a missed payment I checked my credit rating and it's gone from very…
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Can Banks find other accounts
Dear MSE forum When my Granddaughter was born I started a small savings account for her with Nationwide. Simple Passbook in her name that I held. She is now 18 and is in serious debt. Apparently Barclays (probably her credit card) instructed her to move the money, over £700 to them to credit against her account which was…
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Can a default be registered twice for the same debt?
Hi, I hope someone can help me! I had a default registered in 2006, the debt was sold to McKenzie Hall in 2012 & they registered the debt as another default. McKenzie Hall won't remove it. I have contacted Equifax with proof that it has been registered twice but they say as McKenzie Hall said the default is correct they…
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Who updates credit file after default?
Hi :hello: I'm in the process of trying to sort my finances out after my recent marriage separation and have just registered on Equifax & Experian to check information etc. I've noticed that a old phone bill was marked as defaulted (from T-mobile) back in Feb this year on 'Equifax' but not showing on Experian - I never…
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Vanquis card to improve credit rating
Hi, I have been making huge efforts to clear my debts in the last few months and have also taken out a vanquis credit card to try and improve my rating at the same time.. In the last year I have used the card monthly and always paid it off in full, they have increased my credit limit 3 times which is reflected in my credit…
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late payment markers versus AR marker
Hi, If you owe an amount and make an arrangement to pay it off over a few months and stick to the arrangement - should the credit company not be marking the account as AR for arrangement rather than adding a late payment marker each month. I owed on an avon account in Jan due to being messed around by customers etc. I…
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credit report is blank??
just got my credit reports through both noddle and experian. Experian is completely blank. It shows all my previous addresses but shows no accounts, not even bank accounts- really weird as i have bank accounts with both natwest and co-op and neither are showing, nor are any of the defults i know i have from my past cc and…
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Credit rating advise needed please!
hi everyone, I am new and need advise as to improving credit here goes I have last year paid off all debts... but I am struggling to get new credit now I had no debts whatsoever after paying off all of my old ones so started the year by looking at getting new credit I have been turned down by several credit card issuers…
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Mortgage credit searches... Will there be more than one?
Hi all, I am in process of buying a shared ownership house and the full mortgage application is going through, just waiting on the employers reference which has been posted. I had a full credit search done at the point of obtaining a decision in principle which went through without problems... and the full mortgage process…
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Change of Balance show as new credit taking
Registered with Experian to check credit rating and found that I get a fair rating, 2 mentions of recently taking out new credit agreements are showing as negatives. The first recent 'credit agreement' related to a £6 add on I put on my existing mobile phone contract - does this really look bad to new lenders?:( The second…
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Credit file reported until informaion please
I took a debt management plan out around 6 years ago and last year was given some cash to pay it off. Most debts though were paid either as part settlement or in full so my credit file says part settled next to them and obviously I have a rather bad score. On each of the debts (7 in total) I have noticed it says on credit…
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Aviva Insurance reporting as Loan
hello, I've just checked my Noddle account and seen that my Aviva home contents insurance is being reported as an unsecured loan. Is this normal? I don't remember it being mentioned in the small print when I took out the policy. I guess it will do no harm if I'm making the monthly premium payments as it will all count as…
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Car Finance on Credit Report
I bought a car on finance in July 2008. I lost my job in October 2008, but I was able to make my car payments on time up until March 2009. I began to be late and miss payments and ended up with charges and arrears. In February 2010, I contacted my finance company Black Horse with a view to refinancing the car at a lower…
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You have no successfully settled credit account!?
Good Afternoon I'm new to this forum, I have read few topics and have seen that people are very helpful here. Any help/explanation would be appreciated :) I recently have been trying to apply for a credit card, but have been declined everytime, tried different cards and different banks. I then signed up to Experian to…
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Ex Partner on Credit Report
Iv just noticed on my credit report that my ex from around 5 years ago is on my report, I have a feeling we have some debt which is about to expire soon, if this is the case when it goes will she go too or will i need to remove her myself?! Thanks in advance!
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Applying for a mortgage next – how do I get my credit score updated quickly?
Over the last few days I moved some money around – I cleared the balance on my Barclaycard to take them up on their 0% APR offer (I got the money from an old PPI claim). I then moved the balance from another credit card to it and transferred some more money from it (still at 0%) to my bank account to settle a lone. I have…
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Bad Credit Rating
Hi all! I went to an 02 store yesterday to enquire about getting a new phone contract (parents paid my last one 2.5 years ago), however I was rejected due to bad credit. I am not a high earner (1000 p/m), I have no debts (except student loans), but I have a credit card I never use. I have recently moved and I'm not…
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Settlement or partial settlement of default loan
What effect would a partial settlement have on a credit rating with a default? I am in discussion about having default removed (plethora of errors on banks part & lack of communication) & it is with the complaints department atm but I was told that if I made full or partial (75%) settlement of the loan then this would be…
