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Moved and missed credit card bills
I moved address 6 months ago and forgot to update my credit card company (post office) This is the only bill not paid by direct debit and as a result of my oversight, a £50 bill has trebled and I have 6 missed payments and a closed account on record. Is there anything I can do to rectify this, or will this now be a…
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default sum, last payment date was a sunday
Hi I have a fluid card with mbna, its a 0% balance transfer deal. Last payment dates were: 25/1/2015 (sunday) 27/12/2014 I pay using BACS transfer and I sent the payment via faster payments on 23/1/2015 - but they have recorded the payment as received on 26-1-2015 and slapped on a default sum notice. 1) can they set the…
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CreditExpert keeping login details after account cancellation?
Just asking for a bit of advice before contacting CAB etc. Just cancelled my CreditExpert account. No problems at all with them, just going through expenses and cutting out on non-essentials. The call centre guy mentioned that the account would be close, but that I could use my login username and password again any time,…
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Three not declaring?
Hi all, I started a new mobile phone contract in October 2014 and Three are still not declaring it with any of the credit agencies and I wondered if this was normal? I've made all payments on time and I'm in the process of looking at a mortgage but due to them not declaring my Equifax file is proving to be a huge barrier…
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RE: NHS Prescription exemption checking service URGENT HELP REQUIRED
Hello All, I really need advice urgently and would really really appreciate your help on this matter. Apologies for where i have put this but i cant seem to find any forum subject where to put this. Basically, i am currently on maternity leave after giving birth to my daughter in august. i got an infection of which i went…
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Default removal from T Mobile
I defaulted on a mobile contract in 2013 after a month long dispute about phone repairs (It broke and they refused to fix it, so I stopped paying until they fixed it). Obviously that was stupid, spare the lectures, please. They registered a default against my file & I heard nothing from them at all about any debt, I just…
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12 year old bank loan still effecting me?
12 years ago my (now) ex-partner wanted a loan (£1800) to get out of his overdraft after leaving the RAF, the bank (Lloyds tsb) refused him but said the I was able to get the loan for him. I did not want the loan in my name as I had a 3 year old son, 1 month old daughter and no job, but I was 'pestered' into agreeing by…
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Car Leasing
I'm just wondering next time I come to change my car whether to lease rather having it on HP. I understand they do a credit check which is fine, but im just wondering how it would appear on my credit file. Does it show as a credit agreement for the full value of the vehicle? Or just the period of the lease contract, ie 2…
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Financial associates, does my score help them?
Hi all. Sorry if it's been posted before but I'm new and can't seem to find anything on this. I have recently checked my credit score as I would like a credit card. I have the 30 days free with Experian at the moment. I looked at the financial associates, not knowing what it means but just because it said there was one…
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Experian showing six years and older accounts?
Should all accounts six years or older not drop off credit file? I have some settled accounts still on my file started in 2007
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How does a new bank account affect me
Hi all, I am thinking of opening a new bank account but also am in need of a new car as my company car is about to be given back so will need to part finance another car. If I open up open up a new account will this affect my chances of obtaining credit for a new car at all? Many Thanks
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Iva finished what now ????
Hi looking for some advice. Started my IVA June 2008 , it is now complete and at the end of last year I received my completion letter/certificate. Now I'm looking to try and repair my credit. So it's nearly 7 years since I started it , I am going to credit check myself with Experian, but should this have come off my credit…
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Outstanding default account
I have a defaulted RBS account which is now with Wescott. i am currently paying this off and have roughly £1300 remaining. I can't find this account on my noodle report. How can I find out the default date? I'm aware I still need to pay this even if it has been removed from my credit report. If this has been removed or is…
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Problem with £2 credit report from Experian
I tried to apply for my £2 file via experian which I have successfully done before, however it just came up with an error message that said there was a problem, but my account had still been debited. Does anyone know how I can contact experian to get this sorted. Thanks in advance
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Help improving/understanding my Noddle rating
Hi all, I signed up for the free Noddle account today and I don't really understand the rating I've been given, I currently have a 3 out of 5 rating according to Noddle, is this good? Because it seems pretty average for an out of 5 rating. A few details about me which lead me to believe I should have a better rating. -…
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Which CRA does Barclays mortgage use?
Hi, Just looking for the info as in the title, want to find out which CRA Barclays/woolwich use before we apply. I can't find this info on the main thread so hoping someone may be able to tell me. Thank you :)
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Lowell 3 Defaults for same debt I've never heard of
Hi All, Please be gentle it's my first time:). I checked my credit file in the April last year and noticed 2 defaults against an amount of £492, one was issued July 2009 the other November 2010 from a company called Lowell for a debt to a phone company. I wrote to them to tell them I knew nothing of this debt and asked…
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CC use.Will it affect credit score?
Hi. I don't use my cc very much.Never been near the limit and usually pay it off in full. Would it affect my credit score because I don't use it much? Thanks in advance
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Experian says I'm POOR, Equifax says I'm EXCELLENT
I really can't understand how these credit file agencies work. couple of weeks ago my score was 902 and was good on Experian, now it is 703 and it says POOR. I logged onto Equifax and it says 507 you are EXCELLENT. These guys are driving me nuts. I am about apply for remortgaging my property and very concerned. Any help is…
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ccs collect
Some advice please... My husband received a letter from ccs saying he had tax debts and that if he did not pay they woukd be round the next week to collect monies (possibly the day my mum was to be buried). The long and short of it he phoned and paid saying the debt went back years. I have since read if it is older than…
