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Unable to close a natwest account....
Hi guys, Latest fun problem is actually the culmination of me giving up after several years of trying. Backstory: I had a natwest account until 2007 when I moved to HSBC. I went to the Natwest branch on the Strand and closed the account the day I got my HSBC account confirmed. I was angry that Natwest wouldn't give me any…
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Help to remove a Tmobile Default/Error
Morning all, Does anyone know if a Tmobile Rep hangs around the forum. I have a problem that I need help with: 2009, I had a Tmobile phone, that come to the end of its contract. I obtained the PAC code, recieved my final bill which was paid by DD and off I went to Vodafone. So as far as i was concerned me and Tmobile were…
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Finance revoked
I just applied for 15,000 on finance for a caravan followed by a 500 deposit . The finance went through first time I got a collection date for caravan and yesterday they called me to tell me the finance company had revoked the finance is this possible ?? What about my 500 deposit ?? Any help would be appreciated
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Name Bank/BS which do full search for opening SAVING accounts.
It is something quite frustrating to knowBank/BS is doing search on your file for opening a SAVING account. I could understand if this is Mortgage, Credit Card, Current account with overdraft. But this is to open a saving account I have "anti money laundering search" marked on my credit file when I opened certain SAVING…
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experian suggesting to take payday loan..!
Had been talking to a colleague last week at work in relation to him not being able to get any loans. Shocking from what i heard from him.. Apparently he had requested a credit score from experian (940ish) and called them up on phone to see if they had any suggestions on why he wasn't getting loan even with good credit…
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RBS Wrongly defaulted me.
Hello Everyone. I checked my Equifax credit file today and found 10 late payments recorded again my mortgage account since Feb 2012. and the current status is recorded as: In Arrears. I have always paid by direct debit and missed no payments. I rang RBS after a 20min call with much waiting they looked into this and…
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Barclaycard
Hi everyone...This is my first post! Just after some advice if anyone can help please? I am looking into getting a mortgage in the next year or two but need to improve my credit score from Fair. I have a credit card with Barclaycard and stupidly didnt pay the bill for 2 months. As a result Barclaycard cancelled the card so…
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Help to remove a vodafone default
** This has now been resolved! ** After having spoken to Lee and Jenny (both very helpful and a pleasure to speak to) this has now been resolved and the default removed. The default removal was processed quickly (I believe it was ~7 days from my posting this message to getting word that Vodafone's QA team had sent the…
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Attempt at removing a default
Hello all, I was wondering if I could maybe get some assistance with this please, In 2009 I opened 2 accounts with Alliance and Leicester, 1 for myself and 1 for my wife. Because I'm the sole earner only my account was ever used "properly" and hers very occasionally up until November when it was stopped being used. At the…
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Default from Barclaycard incorrect ?
Wonder if anyone can help and please be kind ... I used to have an egg card when I was in the process of selling my old house and living with my now husband I got into payment difficulties and had to ask my account owners if I could arrange reduced payment .... all of them very kindly said yes and arrangements were made…
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Mistakes on credit files - Equifax won't amend
I'm in a bit of a mess at the moment and I'll try to explain as best as I can what's happened. My partner recently passed away at the same time as my dad so I moved in with my mother to look after her. It was all sudden and given the circumstances I just had to move right out with literally the shirt on my back. I've…
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Credit cards missing from credit score
I have three credit cards with large amounts of credit available on them that don't show on my credit file and a flawless history with. Is it possible to get these included as I am trying to improve my score?
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Letters arriving not in my name.
In the past 2 weeks 3 letters with different names, hard to read names never mind pronounce. I have had no bills or demands except bills in my own name,so what shows up exactly on a online credit check and is it worth doing. Also any advice about the letters.
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Help & Advice On Improving My Credit Rating
Hi everyone, I was just wondering if anyone out there could give me any advice on what the best way to improve my credit rating with lenders would be? My credit rating is very poor from when I was a little younger and took out credit for everything and I couldn't realistically pay back. Anyway since becoming a Dad 18…
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Experian electoral roll system error
Experian aren't showing electoral roll and have a pre recorded message on their phone line saying its being fixed. It's been a few days now. Does anyone know how long these things take to fix? Currently being credit checked for a mortgage so this is a bad time for them to have system issues.
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property blacklisted
I have just got a credit card (for my personal use) not our joint accounts house use. Its to pay off a camera I bought and a lads weekend away. As far as im aware we only have one (possibly 2) credit card (s) thats our joint responsibility not with massive amounts to pay. Say about £3000. However, we have about 5 or 6…
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Defaults on Credit File, Nobody Chasing Debt.
Hi, Got a question for the community. My credit report is pretty bad, showing a lot of debt. I am trying to get all this sorted out, however, most of the companies I owe money to are not chasing me. I have no account details and would not know who to contact. Whats the best way for me to proceed in this matter.
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Credit improvments
Hi all. I used to have cap1 and vanquis and a jjb credit card and well i was stupid and have learnt lessons from this.. Its now been 1 year on since defaults placed etc and i would now like to start improving it and getting it back on track. At the moment i have a phone contract that ive had years and never missed…
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Please help - all you experts out there!!
Hi - can you help me. I recently have just managed to get all my ducks in a row and have a great credit score on Experian now. All healthy accounts etc etc. However I checked Equifax and everything is fine apart some random company that has a record on my report from 2005. Basically it shows 4 months in 2005 as AP - the…
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Please help...screwed over by ex fiancee
Please can someone help my daughters as been working in Asia for last two years and as saved up to go to university. She checked her credit rating and was going to apply for a government funded loan scheme to help with the top up fees of £5000 and found that her ex-boyfriend/fianc!e had late payments/defaulted on a mobile…
