-
Scottish Power 'accidentally' registered defaults for 4 months
Hi all, I've been a voyeur of the forum taking a great deal of advice in the past so thanks to everyone. I would have joined or contributed earlier had I had I been able to add but will hope to do so more if I can. Anyhooo...any advice on this would really be appreciated. I have spent the last few years actively monitoring…
-
Credit file incorrect/false information
Hi, me again sorry. Just going through my noddle credit report and it has accounts opened and defaulted under my name at my old address, I moved to my current address is august 2006 but these accounts were opened by Lowell in 2008 and defaulted 2011. Now I don't know what any of these accounts are as I don't have debt from…
-
Refused a Mortgage after a Mortgage Promise
Bit of background.....I completed my IVA in Feb 2012 but it stays on your credit file for another year. Recently we went to see the bank about applying for a mortgage as we wanted to move house. The Mortgage Advisor was told about my previous IVA history and to our surprise and delight, we were told that we were fine…
-
Credit file default
hey, just looking at my credit report on noddle, it appears i have a default with hsbc for £170, this relates back to 2011 however the report is showing red markers for every month up until December 2013. Does this mean the default is still active and I won't have entered the 6 year drop off point? and also would it be…
-
Defaults passing 3 years.
Hi all, A quick question. I spoke with my mortgage advisor recently. Long story short, I had a terrible time with old debt. Paid everything off in full but am left with 7 defaults. Nothing particularly large. My mortgage advisor got me an offer but did advise I wait until all defaults pass 3 years old. He said this will…
-
Settled account with missed payments
So I've been getting my credit file in order as I plan on applying for a mortgage later this year. All my defaults should drop off by October this year however I will have an account remaining on my file which was settled in late 2009, this shows that I missed multiple payments (showing as a 6 on my credit file) but I…
-
Default under 18
Can a default legally be placed against someone under the age of 18?
-
Three Mobile Default
Hi everyone, I have been having a longstanding battle with Three Mobile re a defaulted account which I believe was in error. This all began back in 2009 when a mobile broadband device broke. While sent for repair I was charged for internet usage by Three which I disputed as no internet was being used. As per seems to be…
-
Credit file errors
Haing not req'd credit for 4 years+ I've ignored my credit file but checked it a few weeks back. Found 2 wrong entries and one with a High St Bank has been resolved and a compenstory cheque is in the post :j However, the other is with a catalogue with whom I had a real ding-dong 5 years back when I asked for proof that the…
-
Default Moving Home - Credit Agencies
When moving house, is it best not notify the credit agencies your self or does it happen automatically on the electoral roll?
-
default
My son went to his bank in January to draw money out his card was declined on ringing the bank they told him that his account had been closed after a review but would not give him a reason I told him to go to the branch who again would give no information apart from that his account had been reviewed and they no longer…
-
Financial Associates
So I signed up to the free trial for Experian and noticed my ex-partner although we never had credit together but did apply was linked to me. I asked Experian to update my records and remove him which they did so. I have today got a statutory report with Equifax and he is still linked. Do I need to write to them as well, I…
-
Newbie with lots of questions
Hi everyone! Slightly excited to have joined... :-) Sorry if these questions have been answered time and time again. Still trying to navigate my way round this forum. 1. How come when I look at particular credit reports of mine 1 of the negative factors is my age? Surely that isn't quite fair? I would say I'm failry…
-
Gb Group Plc - Anti-Money Laundering
On my Noddle account i have a credit report search by Gb Group Plc - Anti-Money Laundering. Should i be concerned about this? I of course haven't been laundering money and also haven't applied for any credit in the past 4 months maybe longer.
-
no clue what to do with a NatWest debt I cant resolve!?
Good evening, I have registered today and hope someone might be able to offer some advice to my predicament? I used to have a current account with NatWest and very stupidly I got so sick of bank charges I changed accounts and ignored the debt. I am now paying the price for my stupidity and have finally worked my way…
-
Unused overdrafts?
Are they good or bad, for your Credit File?
-
Joint account with someone with bad debt
Hi all, Ok so heres the deal, my girlfriend has a pretty bad credit rating (has a CCJ and a bunch of defaults). I personally i have a perfect credit rating and a mortgage (no other debts). We were talking of the prospect of getting a joint account, but she is concerned that her debts etc will adversely affect mine. What i…
-
default to be removed
Hiya Im currently waiting to apply for a mortgage. First time buyer I have 2 defaults on my account £600 and £8. I didnt even know they had defaulted. dont understand it all to be honest. My dad gave me the money and i cleared both of them. How long does it take for them to be removed from m file? Thank You
-
Default notices and reporting to credit ref agencies
So as a follow up to my previous thread, as this is a brand new question, Natwest issued defaults on my loan, OD and CC a few months ago. However, these have not been reported as defaults on any of my credit files. Does this just take time or can they put on AP/DMP instead? Seems strange they haven't reported them yet.
-
Default agreed to be removed/refused to be removed
Hi all, I've been having a longstanding battle with Lowell portfolio in regards to a default that relates to an account opened in my fianc!es name when she was sixteen, I recently received a letter from the company who sold the debt to Lowell portfolio stating that due to the circumstances they had advised Lowell to remove…
