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Lloyds default
Good evening. I went to University in October 2006 (which is roughly 200 miles from where I live) and before I moved, I opened a new student account with an overdraft of £750.00. I was not advised by the Branch Manager who opened my account and he did not suggest that I ensure that my statements are sent to my address at…
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plumbers bill
Hi, I had some work done by a plumber to alter a couple of pipes and replumb a sink that needed moving, i asked for a price before he started and he said it would take around 4 hours plus a few small parts but he would re-use anything he could so i asked him to do it. He sent a young lad to do the job and when he had gone…
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I want a new car but will they let me?
I will soon be in a position to pay off my debts as I get my pension lump sum of £26k I would then like to buy a new car and to this extent I have about 8k as a deposit. I will easily be able to afford the re-payments of about £300 but what about my previous credit problems? Will they be that stringent with the checks? I…
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If I apply for noddle will it show that I'm searching
Hi if I apply for noodle ( need to see if anything from years ago when I went AWOL big time) would any agencies be able to see that I have registered and did a search, and if so is there anyway to do this safely ? Thanks
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withdraw cash on credit card
silly question but how much extra would i get charged if i withdrew £900 on credit card with 2.99% exchange fee?
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aArrangement to Pay' on noddle credit file
Hi there, Just a quick question from me for anyone that knows a bit more about credit files and how they work/work against you.... I notice on my noddle credit file that against a debt (Barclays) on my Mortgage reserve account, it still shows as being AR, which is an 'Arrangement to pay'. I did have an AR for 12 months as…
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Advice of clearing defaults
So I'm determined to sort my credit. I'm I a good job but credit seems to be holding me back. I did a credit check and noticed 2 defaults. One defaulted for £76 but was paied but still seen as default is there was way to go about having it removed. There is one outstanding defaults for £1700 for I phone contract I took out…
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Notice of correction
Hello Recd my cr file from Equifax. Noticed their is a Notice of Correction regarding an IVA i used to have. It gives the IVA date & then states the IVA was removed from the Insolvency Service records in Apr 2008, the correction was put on my file in Apr 2008 as well . My IVA started in Dec 2007 & it failed after 2…
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Link Financial Letter
Hi all, I'm new here so forgive me if I've posted in the wrong forum. I have a question about a letter I received from link financial outsourcing. A little history first may help. I have a loan with Lloyd's and a had MBNA credit card, I never missed a payment on either and had an excellent credit score. My wife was made…
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Credit File Searches
A quick question relating to credit files and debt collectors. When a debt collector performs a search on your credit file, is that visible to potential lenders, or is just classed as one only you can see? Thanks
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After a CCJ comes of my Files
Hi there, I have a CCJ due to come off my file on 26/02/14 for £405 and wondered how long it will be before my score improves? Currently my score on Noddle says 549. I do have various other credit ie cards, car, phones and catalogue accounts which are paid upto date and show green and aren't up to their credit limits. I am…
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Barclay card partial settlement
Hi Everyone, I'm hoping someone can help me, please?! I paid a partial settlement to Barclay Card £3285 back in June and need to query how they have recorded the information on Noddle and Equifax. I have been on a DMP since 2007 and they never defaulted the account !! :( Noddle states July- AR £1733 August- 6 PS £0 (It…
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"Notice of legal Proceedings" from another country
Hello, I moved to the UK in October from Norway, and before I got settled in here, I used my Norwegian bank account and I accidently overdrafted it by quite a bit since the Visa transactions came back to me as available funds and then got withdrawn again (so used the same money twice basically). Now, I will pay that back…
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Default account with Arrow and Lowell
Hi In 2010 I had an accident that left me in hospital for some time and because of that i lost my job for a while. I lost control and as consequence i got some Debts that i started to pay at the end of 2010 once i got a job again. Recently when i went to my Creditcall report i discover that a Debt of £750 was in name of…
