-
Credit question
Hi guys, I used to rent out a property and the tenant has built up so much debt and constant debt letters come to my house. I live their now could this affect my credit rating, recently enquired about a loan and they said 16% apr and i dont understand coz Ive got near enough perfect score. any advice will be helpful thanks
-
Rogue British Gas Account
Hi, I'm new to this forum so give me a chance. On my credit file a 2 year old account with British Gas appears as unsatisfied. This is for an old residence. When i contact British Gas they can find no trace of the account. How can i get this removed from my credit file?? Many thanks
-
Erroneous Default finally getting removed
Thought a good news story wouldn't hurt. Long story long. I check my file regularly and have always known about a default (paid I might add) that shows a default registering 3yrs later than it actually would have occured, but just accepted I would have to live with this horrible default till 2017!!! Some background. The…
-
Unfair CCJ
Firstly some background: I was sued for the price paid for a car I sold to a gentleman, It turns out the car was clocked and false service history was given (I did not know of this as the car was sold to me in this way). I received the claim form, I sent in my acknowledgement of service, expecting to hear from the court…
-
On the Electorl Roll
Hi, I've never signed any forums for the electoral roll. Without getting in to a debate about the rights and wrongs of it (tin foil hat etc :A ), I got a polling card through the post yesterday. I don't understand how this can have happened as I have never given any details to the council. They used my given name rather…
-
Safeloans - refusing to fix incorrect credit report note
Hi everyone I'm sure this has been answered elsewhere in another post so firstly apologies for asking!! A few years ago I had taken out many payday loans and was in a complete mess. Thanks to Payplan I'm now clear but one of the payday lenders I had a loan from, Safeloans, is still sbowing a £75 balance on my credit file.…
-
Leasing a car for business; bad credit history
Hi guys, I am still waiting for a 4.5 year old default to fall off my credit account. My business account however is clean, with no debts and only profit. I'm wondering if I'd be able to get a lease finance for a car under the business name where my personal credit history won't be a factor? Is this possible? Thanks as…
-
df every month
Hi all. about a year ago I entered payment plans with 3 credit cards. I am up to date with all agreed payments. Barclaycard show as green and up to date. Bank of scotland and link financial, who took the debt of mbna now show red every month with df. Does anybody know why barclays are happy to give me a green up to date…
-
Halifax One Credit Card - Online Banking
Hello everybody, I was given a Halifax One credit card last year and took it in order to improve my credit file. I immediately set up a Direct Debit to clear £100 off the outstanding amount which was fine for the first few months. Last month I found that on logging in, my account was showing a late payment. I had already…
-
Random default!
Hi, I've just checked my credit file for the first time in a while and something has appeared on there from a debt collector saying I owe £240 and it has defaulted. The address connected to this is from over 4 years ago but this was not on my credit file when I last looked, in November last year. I have no idea what it's…
-
Advice Needed on a Default Registered
Hi my fellow Money Saving Experts I need some advice regarding a default that was registered on my Credit File with LLoyds TSB. Basically I had an overdraft with LLoyds TSB which they stopped I was on a DMP and they agreed with the payments that where arranged. I had been paying it for a while through the DMP which they…
-
Credit File & Full and Final Payments - Help Needed
Hi All, So firstly a little background information. I was originally in an IVA but due to bad management and not wanting to accept lower payments due to change of circumstances it has failed. However due to me pulling myself together, and some great help from my partner I have been able to contact all my creditors and…
-
CCJ reissue confusion
Hi all, Please direct me onwards if this is in the wrong place. I discovered a couple of months ago after applying for a mortgage that I've had a CCJ registered against me in November 2008. This was completely unknown and luckily it drops off my file this November. This was registered to an old University address and I've…
-
Paying off defaults and repairing credit file
Hi I have two defaults which I'm hoping to have settled within the next two months( I know the defaults won't drop off until 6 years following the default date though) This will then leave me with one small credit card (Capital One) which I currently pay the minimum payment on, and the usual mobile phone contracts., but I…
-
Negotiate with Creditors before paying off debt
Hi I am new to this forum and need advise asap. basically I owe a company Lowell Group £1080 I have owed them this much since 2008 and they have passed the debt over to a company called Advantis, Now last month I called Advantis and agreed to pay the full amount in 2 payments. I paid £540 last month and the other £540 is…
-
8-10 weeks to update files?
I've been working towards getting debt free for some time now, and doing reasonably well. As I've paid off debts (even those I haven't been chased for), generally creditors update files within about a month - until now. Those I've paid off in the last two months are quoting "8 to 10 weeks" almost uniformly to update credit…
-
Can anyone help?
Hi, I could have posted this in a number of forums, but since my credit report is my main worry, I'll try here first. My 74 yr old mother is in a bit of a pickle with a £800 overdrawn current account and £700 debt sitting in an online JD Williams catalogue account. She knows she owes this money but continues to bury her…
-
Debt advice please
Hi All, hoping for some advice. Here goes the spiel: So hubby had a loan which he took out in 1998 whilst at college which HSBC increased time and time again for him (he's adamant it would be eligible for PPI claim). He stopped paying that loan in May 2008 default date 22/08/08. The outstanding amount is £9k. I know I…
-
Open credit account
Hi everybody, I have a Vanquis card at the moment. I have been accepted for a Tesco card though. I have just paid my Vanquis card off and I am wondering if I should cancel it or not. If I just leave the account open will it improve my credit files and make it easier to get credit in the future. (I am trying to not to say…
-
Noddle Credit Rating
Hi, Not sure if this is the right place to discuss or ask. If not, please guide where to go. I registered with Noddle in March 2014. I checked the Credit Rating given by Noddle which was 3 out of 5. After a month, I received an email suggesting a new report is ready for me. When I checked it, the rating gone down to 2 out…
