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Removal of 3rd Party (DCA) Defaults
In 2011 I made an offer to Bank to settle a debt for a credit card. The offer was accepted. The debt was written off. (I will explain my process in a separate post). The validity of any Default applied by the Bank is a separate matter that is irrelevant to these matters I feel. A 3rd party interloper (referred to on here…
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Default on Credit File
Hello all, I have a default on my credit file from NatWest. It is for around £700 which originates from an account I have not used for years. It was a standard Select account with no overdraft facilities. It would appear it had went under £0.00 and managed to rack up over £700.00 in bank charges. I know it is probably…
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Help re Statute Barred
Many years ago I incurred lots of debts some of which I paid off through a debt management company some of which I did not. One of those I did not was with Nationwide and should be statute barred. However another account with Nationwide was paid off by Gregory Pennington via me and in fact overpaid when I think that…
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Incorrect Default (Orange) on Credit Report
Hi Guys, Hope you are all well. Need a bit of advice regarding what I believe to be an incorrect default shown on my Equifax credit report. The report shows 2 accounts both with Orange, one running from September 2010 to the present day, with no more than one month payment late. The second shows an account running from…
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Credit File with Default
Hi I entered into a DMP plan 5 years ago for 2 Credit cards and have been continually paying the agreed amount for this period of time. My current credit report shows that I have two accounts on default but I have an excellent credit score of 900+ with Experian. I am aware that these defaults are removed from my credit…
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Joint Mortgage probs
hi there I have 2 joint mortgages with my previous business partner on 2 similar properties we decided to have one each but stick with the joint mortgages which was fine for a while then i started getting letters from various credit card companies telling me my limit was being decreased so after a check on my Equifax file…
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Ombudsman, rbs
Since October last year rbs forgot to change the date my mortgage came out, resulting in a mark on my credit file. Got an apology some money and told it will not happen again and November came and yes it happened again, they first blamed me but then said it was a computer error that two direct debits were set up at the…
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Late payment - fees refunded
Hi I was wondering if anyone can help clarify something for me. I am in the process of trying to move, I have an existing mortgage, which is in its fifth year. So will be applying for a new mortgage. I have never missed a mortgage payment. I have no other debts. I normally pay my credit card off in one go each month,…
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Has anyone managed to successfully get a default removed from their credit file?
I have 3 defaults on my credit file, 2 which are now satisfied and one which I will have paid in full in the next few months. One was for £50, and the other 2 were around £200/£300. These had arisen as a result of personal issues/moving home/job change, and as much as I should not have let it get to that stage, I am trying…
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Eon account on checkmyfile
For some time bloody eon have had an account on my credit file, it was paid off last year, in approx feb, it shows as having 3 late payments (which I have disputed and they maintain is correct) and is now showing as an open account with a 0 balance and NR in the latest months reporting. I think this account is only…
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Credit score linked with husband?
The only thing we hold together is a joint mortgage with Santander. All payments up to date. I entered a DMP on April 1st, owing £30k on unsecured loan and cc's. How will this effect my husband?
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Late payments by wife
Hi, I am after some advice on some recent late payments by my wife that has affected my credit rating. I am a serving member of HM Forces and have recently returned from a tour of Afghanistan, while I was away my Wife reopened a previously closed Next mail order account in my name without my knowledge or consent.…
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bcw
just phoned bcw to find out why i owe £11,296 pounds, they said i had a credit card in 1999 for £5,000 and i have accrued interest of over £6,000 i,m 67 on a pension,i will finish the debt when i,m 87,is there anyway i can get them to scrap the interest ?
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When in the month do CRA's update?
Does anyone know what time of month the credit reference agencies do their updates?
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Noddle Credit Score
For quite a while now my scored with Noddle has been 5/5, combined with the fact that I know nothing has really changed in terms of my credit, payments etc it has meant that I have only been giving my credit report a cursory glance, New report was available yesterday and my score had gone down to 4/5, I couldn't think of…
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Defaults and payments
Hi all, I am looking for help with a problem my partner has, I have no experience with debt (thankfully) so I am at a loss. She has 3 defaults on her credit file, all will hit there 6 years next year, 1 loan and 2 credit cards. My partner also had two loans that were paid off so she made a call to Gladstone to look at…
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Credit Score Problem
I recently had two credit cards both maxed out and have just paid both off in full. I have just signed up to Experian to check my credit score as was declined for finance for a TV and the score is showing very poor with 1 missed payment (yet card was paid off in full a week after min. payment was due) and one repayment…
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Experian Credit Expert email response time
Does anyone know how quickly Experian Credit Expert respond to emails? My free trial ends at the weekend. I phoned them to cancel today and was put through to someone who spoke fragmented English who had great difficulty understanding me. After trying to give him my reference number several times he clearly couldn't…
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Nationwide arrangement to pay on credit file
Hi I’m panicking I today downloaded my credit report from Equifax and everything looks fine and all my payments are up to date except for my nationwide current account. The background: I opened the account (Flex Direct I think) and the account came with a £2000 interest free overdraft for the first year. I needed to money…
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Arrangement to Pay Marker - Advice
Hi guys, Long story short, I ended a DMP in October 2012 - 12 debts paid off in full. 8 of the accounts covered on the DMP were set to 'Default' status, and they will all fall off my credit files by the end of the year. I had 2 x accounts with Natwest which were set to AR on my credit files, and after disputing with them,…
