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turned down :(
I moved into my current private rented home 2 years ago. I will soon have to move out because the owners want to move in. No problem, there's time and its amicable. I have good references and my bank account is in order. When I moved in all checks were done and in order. Recently I checked Experian and it was excellent. No…
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To pay, or not to pay a default
Good Morning All, I have a defaulted account for £306 currently with Activ Capital but I think Emphingham? have now bought it and are contacting me. I am able to pay it off but will this start the 6 year process once again? The default will fall off in Jan 2015. I am currently in the process of looking to buy my first…
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Can i get a mortgage with £20000 debt?
I have got into a bit of a mess with money and i have finally worked out a way to pay it back gradually , I have even taken a second job My mortgage will be due for renewal soon and I am worried that i will not be able to get a new mortgage with a better rate I earn 34100 a year and my partner earns 14500 per year I am…
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defaults pay early settlement figure or full amount?
hi after 3 years of financial nightmares i am finally in a place where i can start to sort myself out financially. i have 5 defaults on my credit file that i want to clear asap. i have contacted the debt recovery companies and arranged payments plans and 3 of them have offered me reduced early settlement figures (saving…
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Free credit check and score but.....
Noddle.co.uk looks good but on my report ive got live accounts with debts (default) running to October this year despite me going bankrupt in 2008 yet my HMRC £10k CCJ has been marked "satisfied in Experian the CCJ is still showing but all the bank account/credit cards are showing satisfied the nett result is on Experian i…
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advice much needed regarding credit score
Hello , thank you for taking the time to read this possible nonsensical long winded post .. Firstly i have been really bad with my credit in my past and i am now older wiser and desperately trying to repair the mess that been a di*ck in my younger years . Where to start ?? i guess at the beginning , well long term youth…
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Help with lowell
A default from Lloyd's was registered against my equifax file in 2008, the debt was then passed to Lowell. I want to clear the account so I then set up a payment plan. On doing this Lowell put the default in there name on equifax, this I understand is fine. But they also registered it on my experian account where no…
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Totally confused about my credit rating!
I use this site quite frequently for research purposes but am a first-time user of the forums, so please be gentle. ;) I just checked my credit report on Noddle and am increasingly confused about why it's so bad. According to Noddle, I currently have a score of 2/5, which I perceive to be quite poor. However, I see no…
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Moorcroft & Settled Accounts
Good afternoon, I have been checking my credit file with Noddle over the past few months and it wasn't showing any information in relation to my previous defaults, so I decided to check with Experian. Low and behold an account which I settled last year through Moorcroft is still showing as having an outstanding balance.…
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2 credit checks with vodafone, 1st ok, 2nd refused!
Hi there, I'm looking for some advice. I wanted to get the nexus 5 and got a call last night from phones4u offering one for £21 a month but with only 100mb data. I said ok got credit checked, all was fine. Anyway, this morning I saw that car phone warehouse has the same phone same price, Vodafone again but 250mb, cancelled…
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I have received a CCJ in my husband name!!
Hi, I have received a C.C.J in my husband name for a business debt on a leased equipment. The C.C.J asking him to pay £22000 plus further interest. I know he had to close his business down about 2 years ago and at the moment I don't think he has a job. I have contacted him via his mobile and have told him that he has a…
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Noddle and Credit Check verification problems- do I need to be worried?
I just tried to sign up for Noddle as the Call Credit Statutory report is currently not available on-line. (There is no info about it on their website so I've wasted good 30 min going round in circles) I was refused because the system could not verify my identity. It then came back to me that I had the same problem with…
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Close paid off bank account or keep it open?
Hi, Until recently I've had 2 current accounts - one with HSBC and one with Lloyds. Both had £100 ODs, but I always treat it as my money so I'm always maxed out and have to pay them both £6 - £10 a month in fees. So I took advantage of First Direct's offer to pay £125 to switch, and have now got a 3rd Current account with…
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Default not showing up...yet?
Hi I defaulted on a Halifax current account. Nearly paid it off via a debt collection agency. Thing is, it's not showing up on my credit file? Any ideas why that might be? Will it show up once I've settled the account? My credit score is good apart from this and I'm worried that's about to change? Many thanks in advance…
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settled account added to credit report
Hi, I've recently taken quite the interest in my credit report as i am getting older and contemplating mortgages etc. As a younger lad i made some mistakes, i ended up having 3 mobile phone contracts over a short period of time which on my income at that time i couldn't afford, as such payments lapsed and the outstanding…
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Avoiding new CCJ's
I have had a date for the CCJ, is there any possible way to avoid it? Only a few more years until the 6 years are up. If this CCJ goes through the 6 years start again. I am out of work and am not able to pay even £1 per week, they know this but still want to go ahead with the CCJ. My Dad has said possibly he can lend me…
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Real life examples debt recovery
Hi, I'm not sure if I'm posting this in the right place but wanted to get a bit of advice. I've just come off my debt management plan - I have a final payment to pay off next month and its clear. I do have another debt of ~£1,500 which I'm also paying off and expect this to be gone by May next year. I've been burying my…
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TAB finance selling my details
Had 5 phone calls over past week, all asking for me by name, from Money group. Phoned them this morning and asked where they had got my details from. The girl told me that they had purchased my details from TAB Finance. I have never had dealings with TAB, so my questions are: Who are TAB? How did they get my details? Is it…
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Credit report, default & questions???
Hi, I would like some advice please... Background...In Aug 2012 I joined CCCS, my Creation loan up until July 2012 was up to date with credit agreement repayments. In Aug 2012 Creation sent me a default notice giving me 14dys to pay the 1 months missed payment but I was unable to do this as I was paying monthly payments to…
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Very Poor Credit rating, options?
I've run the Bad Credit Card checker on the site and have come up with 0% on every card. I do have several defaults due to losing various jobs over the last few years, and having to borrow money from family etc. I am now in a position where I am earning good money and would like to rebuild my credit rating - notably to…
