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settled ccj's
Hi My friend has asked my advice and i don't know the answer so hoping you guys/girls can help please :) Friend has 2 ccj's that are 6 months old and have now been enforced through a high court so the balances have been paid direct to the high court enforcement officer from Marston Group and she has received a certificate…
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Weill this effect my credit rating?
I have recently had a fails direct debit because the company transposed my bank details when they entered them on to their system, they managed to do this twice before getting it correct, thought I did pay immediately after I noticed this happened. I also recently contacted my gym to cancel my direct debit with them buy…
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Credit after CCJ expires.
Hi All, I have an unsatisfied CCJ on my credit report which is due to expire in November this year when the 6 year period is up. I have been wanting a new car for a while now but have been scared to apply for any form of credit in fear of being rejected for the active CCJ. I would like to know that when the CCJ drops off…
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Mystery Credit History Problem
I could do with some advice on a mysterious problem with my credit history that’s come to light – very helpfully – just when I’m arranging my first mortgage. I passed the initial credit check for a Decision in Principle with no problem at all, but at the second check something did come up, listed on the bank’s system as a…
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Really worried unpaid Uni fees will affect credit score??
I attended a university for a few weeks in the first term but had to drop out for reasons beyond my control I didn't have a student loan and was paying monthly to cope with the costs (still a lot of money per month). Now however the uni say I owe them for the first term, which is a lot of money. They already have one of my…
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Working for a bank with Defaults on file?
Hello My friend has applied for a job with HSBC, I've been helping her fill in the online form. The first 3 questions are eligibility based and ask 1. Do you have any adverse credit? She replied Yes 2. Are you eligible to work in the UK? Yes 3. Are you prepared to undergo a CRB check? Yes She as then taken to proceed…
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Settlement discount offer
I need to clear up my credit report to be able to remove my x-partner off the mortgage. 4yrs ago I negotiated a monthly pay back with outstanding creditors. I cannot afford to pay the full amount off and wondered if I took up their offers of reduced settlement..(which I could stretch too) would that help or is it better to…
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Why would there be a credit check after a mortgage offer??
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Finishing a DMP and rebuilding my credit history.
Hi all, I am coming to the end of a debt management plan shortly and I would like to rebuild my credit file ASAP. I currently have 2 properties that I rent out and would like to add to this. My credit rating currently reads 999 but due to the history in the last 6 yrs, I have no chance of obtaining credit any time soon it…
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Virgin Media on credit report?
Hi there, I have a Virgin Media tv, phone, internet package etc with a credit limit. I am just wondering if something like this should appear on your credit report (it currently does not)? Thank you for your assistance Jonathan.
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To pay or not to pay..
Few years ago lost my job so had problems paying bills and my credit rating went from good, too very poor. Since working again I've been paying the outstanding debts off which is leaving me with a measly £200 a month to live on. I went to the bank for help but got turned down (bank manager was happy to help but computer…
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CIFAS - Application Fraud
Hi Everyone, Hope someone could help me out - as I been rejected for bank account and been told its something to do with records on CIFAS. I have requested data from CIFAS and the issue is with regards 'Application Fraud' when I went through mortgage application with broker. Couple of questions: -I have challenged the…
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Unknown CCJ
Sorry if this is in the wrong place but first time poster here. I have recently sorted out the majority of my debts, only owing £800 down from approx £12,000. I thought i'd check my credit file to see what it said and I have seen a CCJ that i have never been informed about. Dated from Nov 2008 showing as still active, at…
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Is this correct out of interest.. Re CCJ's
Wonder if Tixy or Fermi can help or anyone else for that matter:D I have 2 CCJ's due to disappear in a few months. I have settled them both in full yrs ago and noticed that they are still showing as outstanding on my files so outbof pride I wanted them to be shown as satisfied. I followed the steps as given in on the…
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If I pay off a CCJ gradually, how does it show on credit reports?
I am paying off a CCJ gradually. If I were to pay off £x per month from the original judgment, would the remaining, (adjusted) balance of the CCJ be shown on the 3 main credit reports each month? OR....do the 3 credit reports just show the original amount as "active" and "satisfied" once the amount has been paid off in…
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Cashplus Credit building card
PLEASE IGNORE Hello, I have got one of these to help build up my credit file after finishing my DMP. At the moment all I am doing is paying back the "loan", not spending on it at all. So my question is once the loan is paid off, will I have some credits . I have now got a Aqua Card, so I don't think I will want to keep it…
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Credit file advice please
Hi there, My credit file is looking rather good at present apart from one entry of a Wonga loan. I defaulted on an agreement last year and missed several payments. The credit file shows two negative factors 1 - the account is classed as delinquent 2 - there are recent missed payments showing (lots of red circles for the…
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Paypal issue - credit rating
Hi guys this question is two fold really as unsure what to do about 1st part and whether the issue could affect my rating. Only just opened up a paypal account as wanted to sell something online and buyer wanted to use paypal. All went smoothly until the other day when I checked my account and there was another name…
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14 Day Cooling Off Period
Hello fellow money savers, If a credit agreement for a loan is cancelled within a 14 day cooling off period would the account show on a credit report? I understand there will be a search on the credit file but not sure if there would be a settled account ? I have read conflicting information regarding this but it seems to…
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Help with Bank Accounts
Hi, am after some advice if possible. My dad has recently just completed a five year IVA. He doesn't have his own bank account (long story, separated from wife etc) anyway, he has been using my bank account for the last 2 years to have his wages paid into etc. He has now finished his IVA and will be looking to retire from…
