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Paid off defaulted account - 1 year later, still showing as 'open'?
About 2 years ago I went through a rough patch and got 3 defaults; - Capital One - A stupid PDL - Smile Bank (Co-operative) After managing to get some stability (health wise) and getting back to employment, all 3 debts were paid off in full through relevant Debt Collection Agency's, with the latest being in August last…
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Parkingeye -in the wrong! Ccj help!
Hi, I'm new and very worried about a CCJ that I have wrongly received by ParkingEye Ltd. I travelled from Scotland to Birmingham for a meeting in October 2013, and used free parking at the hotel car park as part of my booking decision. However around a month later, I received a letter from ParkingEye stating that I had…
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Unknown CCJ, followed by set aside hearing - PLS HELP!
Hi All, Quick summary of my problem. >Left the country 2013, to live aboard >Claim made against by landlord for outstanding rent after I left the country >Judgement made against me in default in Oct 13 >I found out about the judgement in 2014, when I returned to the country for a holiday, all court communication sent to an…
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Help me please...
I really don't know what my next step could be so I'm admitting defeat and finally asking for some help. The situation is this:. I was told by my bank if I stayed in credit for 6 months they'd be able to help me. During that 6 months I really jumped on the outstanding debts I have and even managed to pay two of them off. I…
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Credit Rating Housekeeping
Hi all, Bit of a technical question which may well have no firm answer (or if it does, the ppl who know may not be at liberty to disclose the answer....): I am a property investor and am now up to 10 BTLs in my name, putting me out of the frame at the majority of lenders. Rather than pay TMW's top bat rates, the next port…
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Noddle
Does anyone know why I would have 5 identical searches appear on my Noodle credit record? By identical I mean exactly the same details from exactly the same firm on exactly the same day. I do have a financial relationship with the searching organisation its just the number of identical queries that seems strange.
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AP Markers
What are the chances of having AP markers removed or changed? We have defaulted accounts which will drop off over the next year and have two other accounts with full payment history (ie no payments missed!) which have been paid as agreed for years. There is still a balance to pay but these AP markers will mean these will…
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Query regarding credit report
Hi all, my mum recently obtained her credit report and on there was the name of a former Landlord who had left a 'footprint' AFTER she had left the property (not owing any monies and having handed the keys back). I found this odd, as did my mother and having looked at the FAQ on Experian it says that no searches can be…
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Unknown CCJ
I recently checked our credit reports, after completing a lump sum IVA to find a mystery ccj on my OHs file. It's from 2008, around the same time we got a ccj and charging order from NRAM. We had around 6 or 7 court letters arrive, transferring to different courts and copies of the letters to my OH, after looking through…
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Default not showing
Hi, first post in this forum so apologies if this has been asked before. I have searched but no recent threads I had a missed payment for a gym membership about two years ago for about £30. It was a genuine mistake of cancelling the DD before the last payment was taken. I then moved house and they were unable to locate me…
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Continued identity fraud
Hi all, My ex-wife has made many attempts (some successful, others not) to take out credit in my name. This has resulted in a CCJ that I only discovered 4 years after it had be implemented and being pursued for a few thousand pounds of debt. These loans have been taken out at the old family home (where I moved out in 2000…
