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Quickquid changing default date.
Hello all If anybody is able to offer any advice on this I would really appreciate it. In March of this year I defaulted on a Quickquid loan, and the date in March showed on my credit file. However, I went on to pay off the debt in full at the beginning of July and Quickquid have gone on to change the default date of this…
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Experian get rid of id insurance but same price
The below new product means your paying more than you should for the service, as wasnt the increase to cover the insurance. I wonder if they will be refunding Here at Experian CreditExpert we're committed to giving you the very best service to meet your needs and continuously strive to ensure our service remains the most…
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Moorgate DMP Showing On Credit File
I set up a DMP back in October 2007 and paid off all my debts after 5 years in October 2012. There were 5 people who I paid the money back to and 2 of these no longer show. 1 other has a default date which should disappear in October and another one in February 2015. There is one other on there which is for Moorgate who…
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Old debt
Help! I have received a letter from a debt collection company called Cabot finance - they say I owe £1227 for a Barclaycard I defaulted on in 1995! They say they took over the debt in 1999. I did query why it has taken them 15 years to contact me - they had no explanation for it. I don't recall ever having a Barclaycard. I…
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British Gas late payments HELP!!!
Im new on here so thought id say hi! I need some help!!!! So basically me and my boyfriend have been refused a mortgage because of 2 late payments on my credit file from British Gas .. this is what has happened ... In 2011 I moved into a flat and had my gas and electric with British Gas, I always made my payments on time…
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Help With Moorcroft debt recovery
hi guys hopefully this is posted correctly, I really need your input A few months ago I applied for credit and was unexpectedly refused, I requested a copy of my credit file and Moorcroft had two separate listed entries (in default) for student loans totalling just under £500. and had been on there for almost two years…
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CCJ previous addresses
I have recently returned from working abroad for 1 year. My post was held at a relatives during this time. I have received a letter informing me that a CCJ has been logged against me in my absence for a debt which was paid off. I have informed them of this but letters keep arriving. What is a CCJ and what will happen next?
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Interest free monthly instalment payment
I’m hoping someone can give me some advice on this. If I was to purchase an item from an online store in three monthly instalments with no interest, and successfully make all three payments, is this going to negatively affect my credit score? If so, does anyone know to what degree this would be and how long would it stay…
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FOS - Case lost with Barclaycard
Hi, Looking for a bit of advice regarding an A/P on my credit file with Barclaycard since 2008, that was paid off in full in October 2012. So, thanks to the other thread on this topic (which was invaluable!), I have now managed to have Natwest (4 x Accounts) and Vanquis (1 account) change the AP markers on my credit file…
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electoral roll
I recently re-registered on the electoral roll using the online application. A nice chap at the local council told me I would go onto the electoral roll on the 1st August (I applied near the end of June) However I have just got a copy of my credit report and it says I am still not on the electoral roll. When will it show…
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Credit "score"
Anyone who reads this board knows there is no such thing. Nonetheless, amused by my wild variance between a 1/5 Noddle score vs 976/1000 Experian score, seemingly on similar data. Just goes to show, the scores are not worth a bean.
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Court papers for parking ticket.
I received a parking ticket in March 2013 which was issued by a private parking company on a university car park which i was attending at the time. I received the ticket due to parking outside of a bay. After reading numerous forums everyone advised not to pay the ticket as the company would not take me to court. However,…
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credit file - defaults and CCJ's
Hello all, I have an issue with my credit file, what i can only describe as a complete mess. The first issue I have is with CCJ's - I have a total of four on my credit file - three in my previous name and one in my maiden name. The defaults are dated from 2013 and at my ex partners address. We seperated in 2011 and the day…
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Credit file - Old address fraud??
Hi Just got my Equifax report and it states that I was registered on the electoral roll at a previous address in 2009 when I had moved out in 2006. I have a feeling there may be some fraud involved here - really wish I had checked my credit report before! Someone else using my name (but a different date of birth) opened a…
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Noddle score 5/5
Hello , I am a new member on this forum. I would like to know if anyone has used noddle to check thier credit scores?. My previous score was 3/5 and within 6 months it has changed to 5/5. I am a bit shocked as i made few credit applications in June so how has my score increased? I applied for Halifax credit card just to…
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BRITISH GAS - Gone away/default in my name when account not in my name??
OK... So I have just got my Experian credit report and noticed something odd on there from British Gas. They have registered a default against my name for a bill I know was not in my name. The status says "Gone Away". Yes, the person who was named on the bill did 'go away' and I informed British Gas. Anyway... I have never…
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Is it worth pursuing this...?
Hi all.. Where I'm at: - looking at applying for mortgage possibly in 6 mnths time or so. Problem: - arrangement to pay marker on account from Lloyds (Oct 08-Jan 10). Lloyds refused to remove this marker stating that the agreement was correct and affordable for me at the time. The details are hazy to me, but in their final…
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Improving credit file for a mortgage app
Hello! My Oh and I are starting to save for our house deposit, I am currently paying off my car loan which will be finished before we go to apply. My oh has an adverse credit history with 4 defaulted accounts (2011) all settled (2013) although one shows as partially settled despite the company saying they'd mark it as…
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Defaulted twice for same debt
Wondering if you can assist. I was was defaulted by MBNA for not keeping up payments after bum solicitor advice, LONG story. So MBNA started court proceedings. The case has gone nowhere in 3 years. Not heard a thing from anyone. I got a letter around 2 years ago from a debt collection agency which went to the solicitor,…
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Tesco Current Account History?
Hey all, Applied for a tesco current account last week, got a call back saying I was declined as they couldn't find a record with the CRA. Fast forward to today and the decline letter arrived.....saying as a result of adverse informations on my file. Called tesco and got through to the lending decisions department who were…
