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Recalling overdrafts
I had an account 6 years ago with an overdraft which I then went into an unplanned overdraft and charges built ect till the account was defaulted. There is confusion as to when it will be statute barred, 6 years from missing the payment of the unplanned overdraft or 6 years from when it was recalled. I have been into…
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Credit report showing 1 late payment
Hi Guys, Just wanting a little advice really. A month ago my direct debit bounced on my mortgage payment. This was due to an unexpected outgoing and a transfer from another account not happening in the time frame I expected. However as soon as noticed I called Halifax and offered to pay, payment was due on 28th I first…
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entries on file after bankruptcy 09
Hi I'll try not to be too confusing! We went bankrupt on 3/3/09, and were discharged on 15/10/09. Just logged on to noodle for the first time and several accounts are still open with info such as Account start date 17/12/2007 Repayment frequency Monthly Date of default 30/04/2009 Default balance £ 409 Status history…
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Cash plus credit rating minor issue - help?
Hi guys! Quick bit of background - honest background. I am trying to improve my credit rating after years of abuse and simply not caring when I was young. (From 20-28 I was particularly bad) I didn't really understand. I've recently paid off all my debt (was never particularly high, i recently had a Payrise which has let…
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Accessing credit score w/o credit card
Hey guys, I only hold Santander's Basic account, I have no debit/credit cards or loans taken. I have had the account for 8 months and they still won't give me a proper Visa card because of my credit score. I go to bank every fortnight to deposit cheques and my salary ranges from 2k - 3k a month so bank workers are usually…
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Overdraft on credit rating (help)
Hi guys Bit of background - I work full time and don't earn a huge amount of money (I'm 23) and have just invested in my first house. I've had a credit card for the past 2 years and in that time spent around £10k all of which has been paid off in full and on time. I have never had an overdraft on my Natwest current account…
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Credit file incorrect
I hope someone can help. I have been declined for a mortgage with RBS today and I am puzzled as to why. All the information on my credit file is up to date and paid on time. However, after I checked my report today with Equifax I can see an entry of my fathers on there for an old Virgin Media account. Will this have caused…
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Reducing Credit Limit Help!
I had a Credit account witb Littlewoods and have recently paid off the entire balance :) yay :j but to my dismay, littlewoods have refused to reduce my credit limit of £1375 as it is classed as 'historical information' and have been told by Equifax that they are not allowed to remove peoples credit limits even thought ive…
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Default Dates
Hi All I wonder if someone could give me a bit of direction on this December 2010 i was left in a pretty rubbish situation after my divorce where i was left with 42k worth of Debt and a house in negative equity as my ex refused to pay anything and basically declared herself unfinancialy able to contribute to any of the…
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Credit Rating on settled debt
Hi really looking for some sound advice here.... I have been paying an MBNA loan to Moorgate for ages now and I have £2000 to offer as settlement of a £4000 debt... not even sure if they will accept it - but what worries me is that im told that my credit file will state default even if they agree to the settlement figure.…
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Desperate for Help or advise on credit score query
At a loss on where to turn or who to speak to now. My husband had a business account with natwest, he had an overdraft and loan. We got into trouble a few years ago when the recession hit and we got behind in the payments to the loan and the overdraft. We spoke to Natwest to advise of our situation and we came to an…
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To set aside or not? CCJ
Hi there, I was hoping to get some advice on whether I apply to the court to have a ccj set aside. Sorry for the lengthy post, but I thought it best to give you all the facts! I have managed to build up service charge arrears (I rent out the property) - a tidy sum of £407 including court fees. I was unaware of this due to…
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Credit Rating Help!
Hi all. I need some help please. I have an account that I have not used for a year. I thought that I was all settled on that account only to find that I have been -£4 for the past year. I have since settled this account but my report still states that I have 10 kissed or late repayments even though it was in fact 1 missed…
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Getting small default removed
Hey everyone, I was wondering If I could get some advice from the people on here, I recently got a default on my credit report for £88 BCW Group (Gothia) Ltd that were acting on behalf of QuikQuid. I stupidly took out a QuikQuid loan of £528 then lost my job and rang them and arranged to pay it back over 6 months at £88…
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i have debts that are more than 10 years old
i have debts that are more than 10 years old i have not had any contact with the bank and have not paid anything towards the debt? or acknowledge the debt in writing to the creditor or a debt collector in all this time but i would now like to look at my Credit Report would this send red fags to my bank ?
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Credit acceptance!
I cleared all my debts of defaults dating back from 2007 in the summer, it was about £14,000 worth or so I checked my credit files and although all three debts were partially settlements (all with letters in writing confirming the matter was closed) the debts have all been zerod and all but one has fallen off my credit…
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Previous Tenant Debt
First off sorry didnt know what forum to post this in! I have moved into a house a few months ago and the previous tenant has lots of creditors chasing her. Most of these are payday loans, credit cards and utilities. I know DCA's cannot do anything. But there are a few debts like parking enforcement, DVLA Tax payment…
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Full and final offer for satisfied default?
Hi all, I got an account with next in 2010 and eventually the debt was sold to Lowell group. I have since brought te amount down from £296 to £136. What are y chances of getting accepted for an f&f and then marking the debt as "satisfied"? How much should I offer them? Thanks Kirsty
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PLEASE HELP. Old debt resurfaced.
I have a very old debt that was statute barred over two years ago. I fired off the SB letter to a company ages ago and heard no more. I just recieved an alert from equifax from robinson way (a new company) who have searched my file and entered a 'new credit agreement on my file, although I have never had contact with them.…
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refused credit but i want to buy anyway?
i applied for credit at the brilliant gift shop it was refused but i still want to order something. would i eventually gain credit? has anyone ever had this problem?
