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CCJ pay it or not to get a Mortgage
Hi all, I have a CCJ for £4300 I have had it 14 months, I disputed it and tried to get it "set aside" as the court did not receive my defence (they say) and judgment was passed.... The judge at the set aside hearing asked me to produce a defence right there and then, which I did not have (or at least a full defence "which…
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Halifax Data Protection Breach
Hi, https://forums.moneysavingexpert.com/discussion/4818790 Above is the link to my initial post - please feel free to view. Since the above post (November 2013) Halifax have again shared my Fathers D.O.B on my credit card account a further twice! After being assured the problem was resolved in November and compensated, I…
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Advice
I took out a nationwide loan last year, everything's been going fine until this month when I made my normal payment one day late due to an oversight whilst switching bank accounts, the payment was due on the first April and was paid on the second of April but my credit file was updated on the 2nd with an update date of the…
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Should I change my credit card before mortgage application?
Hi there. I hope someone can advise me on what is best to do. After many years of very poor credit all defaults and ccjs are now off my credit file and I have good credit again. Looking to remortgage in July to remove my ex husband from my mortgage and bring my partner in on the mortgage. We are spending the next few…
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Debt collection
Sorry if this is in the wrong place but I received a text from srj this morning asking me to contact them. The thing is the only thing I can think of is an old orange bill after separating from my previous partner almost 6 years ago but this text came in my new married name (married 2 years) can they find out when someone…
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is there such thing as "good will" on your credit report?
Hi all, I have been banking with NatWest for the last 8 years. I have a current account, personal loan & credit card all with NatWest. I missed 2 payments in a row last year, & of course this has been marked on my credit score. This seems to have dropped my credit score to "poor". Am I able to write to NatWest & request as…
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Guarantor credit transfer
My brother paid for some training via a training company to become a personal trainer. It was a credit agreement for which I am the guarantor. My brother lost his job a while ago and I've had to make a payment for him. Another payment was supposed to be made in March but wasn't. I had a missed call with a message asking…
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Street address confusion - will it affect credit rating?
We live in a flat which is legally part of the landlord's house - we live on the ground floor which is self-contained with its own entrance (there's an internal connecting staircase which nobody uses) but not separately registered for council tax etc. To distinguish it from the landlord's residence we tend to use either…
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Halifax not sent update to Experian
Hi my Experian report shows that Halifax has not provided an update to Experian since 9/2/14. Since that time I have paid off the card in full and reduced the credit limit significantly. My report however still shows me with a high level of borrowing which has led to me being turned down for a card for the first time in my…
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Anti-Money Laundering checks on CRA
The other day I was asked to send a copy of my CRA file to a credit card company. So reactivated my old Equifax account and set up a new trial, downloaded the PDF and sent it off. Obviously checked it first just to make sure nothing odd/ wrong was there and noticed that my main bank (Barclays) are doing almost monthly CRA…
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1st Credit Trouble
Way back in 2009, I started receiving letters from 1st Credit Ltd, claiming that I owed them approx £135. Since I knew I didn't have any outstanding bills and my name at the time was very common, I ignored their letters (they must have sent about 15 in a couple of months). The letters continued so I eventually asked them…
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Dispute via Noddle Credit File
hi all! I've recently discovered Noddle!! I checked through my credit file and I noticed that a loan which should have been discharged as part of a DRO is still marked as Default. The DRO ended in February 2013, the other companies have removed the accounts from my file, but this loan, with the AA, is still on there. I've…
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Applying for credit card
I have good credit and never been turned down for anything but I applied for a credit card and saw a better one so now I want to go for that but will it effect my credit rating or will I been denied and it's in the same month ?
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Noddle credit score
Hello For the last few years my credit rating on Noddle was only 1 out of 5. Not surprising since I had bankruptcy, IVA, & default entries on their. In January the defaults & IVA reached the 6 year point & dropped off my record & the bankruptcy dropped off last night (I have been checking daily). My credit file is now…
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Tenant credit check
I am applying for a new house along with my husband. My father has offered to be our guarantor. I have a bad credit history with a few defaults which are now nearly all satisfied. I don't have CCJ's, bankruptcies or IVA's. My husband has a fair credit history and my father has an excellent credit history. My question is,…
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honest advice appreciated
hi all I used to live in a rental and paid eon direct debit monthly, then moved, they took reading it was 2k over. I disputed the charge and went to the ombudsman but the ombudsman ruled in eons favour and that's that. and the charge is mine to pay - I don't want any sanctimonious "I'd never let that happen to me "/"I told…
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Two defaults for one credit card
I defaulted on a Barclaycard Credit Card back in May 2012 and it was satisfied in December 2013. It is showing as a default on my credit report from Barclaycard themselves. There is also a default for the same credit card from MKDP LLP, showing exactly the same details. I know there shouldn't be two defaults showing for…
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Credit file tidy - Lloyds Bank being awkward
I am attempting to tidy up my credit file following bankruptcy in April 2008. I should have done it ages ago, but just never got around to it! There were a handful of creditors who incorrectly recorded a default date after April 2008. All have corrected this when asked and, indeed, they should have dropped off the file by…
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Account marked as settled, not default?
Hi Hope this isn't a repeat question, I had a search and couldn't see this one.. Just did my Equifax report as am preparing to get a mortgage at some point in the next year. I thought it would look a lot worse then it does, as I was declined for an Argos interest free credit payment thingy 8 months ago and assumed this was…
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Unknown on credit file
Hi there I have a defaulted 'fixed term deferred payment' loan on my credit file for the amount of £127, which i have no knowledge of. Should i write to the company (Gothia?) and ask for something in writing to confirm what I supposedly owe money too, no-one seems to be chasing me for any unpaid loans, but I would like it…
