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Default payments - voluntary termination
Back in 2007 I had a car on finance which was stolen, the matter was reported to the police and dealt with by the insurance company (or should have been). However I was approached by the car finance company for £1300 which I did not pay as insurance should have covered the finance payments. That has been removed from my…
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Go after DCA or Bank?
I have 2 defaults on my credit file. 1) For barclaycards 2) For MBNA These have since been passed off to DCA's. I believe these are incorrect and should be removed. Should i send my SRA requests to the banks or the DCA? The defaults on my account are shown from the DCA The dca in question are arrow global and capquest.
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Ccj
Hello, Back in 2011 i was given a CCJ for non payment of my LPG delivery by BP LPG who have no dissolved as a company. I paid the money owed right away but the CCJ on my report never showed as satisfied. Being young at the time i never kept a copy of the payment and now the company no longer exists i cannot get this…
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Unfair default??? Advice needed
I hope I am putting this in the right place as I need some advice. I took out a QQ loan 15/08 and on 15/09 I requested it be extended and paid the intrest up to that date. The next payment was due 15/10 however due to personal reasons I had to take unpaid time off work therefore could not make the payment. I got a missed…
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Updating My Credit File to show my bankruptcy
I hope someone can advise me please. I put myself into bankruptcy in 2009 and was discharged a year later. I have worked hard since then, all on cash, no credit and all is fine now, no money worries at all. I decided to try and rebuild my credit rating and have been through the MSE list, including checking my credit files.…
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Ccj removal no difference to score
I know there is no such thing as a score per se. A ccj dropped off my file with this months noddle update. Score was 3/5 now showing the same. Thought a ccj was the most damaging. Still got a couple of satisfied defaults in closed accounts. See what happens when they all drop off. Been using cap 1 card for over year all…
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Dealing with PRA, formerly MH
Hi everyone, My partner had a default from 2013 originally from Quick Quid but it was sold onto PRA. We have been in dispute with them since 19th Feb although contact with them since 26th January. His issue wasn't paying it, but it was trying to (long shot I know but shy kids...) get it removed as he was unaware of it. We…
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Removing Fraudalent Accounts from Credit Report
Good afternoon guys, I've signed up here as i'm at a loose end to what do with my Credit Report and i've no idea how to sort this out. I recently applied for a Mortgage on a property and knew everything would be fine as since I've been a teenager (25 now) i've been very good with money and never been…
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IVA or DMP
Hi am unfortunately having to have either an IVA or a DMP and really not sure which. Am really worried as it will affect my credit rating and am a single mum who has relied on credit far too long. need to change my ways. Is it possible to rebuild credit rating after an IVA or a DMP? any help or advise would be appreciated.
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Experian getting into bed with the !!!!!! industry
http://www.bbc.com/news/technology-32202649 That will look good on their credit files about you.
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ccj removal, is it possible?
Thought I posted this, never mind. Anyway I have a ccj recorded from 12th March 2014. It was for a 3 mobile contract I had 11 years ago. I didn't know I had it and only found out when I applied for a job and it got refused. I paid it off on 20th May and it is now satisfied. I was wondering if there is away to have this…
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Help with my report
Hi, Sorry if this is not the place but I am looking for some help with my credit report. I have been using equifax and have after reviewing my credit file come out as a good credit report with no defaults or missed payments on the record, I have a good score for my credit score after paying the additional charge for this.…
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removing defaults from credit file
I've read a few posts were people say they have had success in having defaults removed from credit files if they paid or all or part of the balance. Is this actually something that can be done even after the debts are settled/partially settled? I've always thought as this is a true representation of credit that they…
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Small claim court against me
Hi guys, not sure if this is right area for this but got a question, I was friends with someone and via text they asked if me and my partner wanted to go to a concert which would be 60 each, I agreed and said couldn't pay the money for couple of months they said that is fine they will pay and we pay later on, we then had a…
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mortgage with iva on file
My partner and I are looking at moving home We have a completed iva on our credit file it was completed 2 years ago and is due to come off our records June 2016 We have around £20,000 in equity in our current home and earn approx £40,000 a year between us How likely are we to get a mortgage with a decent rate? Would we be…
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Living abroad
I have been living abroad for 7 years, I have no credit history in the uk apart from a bank account with no overdraft limit. I would like to know which is the best way for me to get back on the credit history. I have a spanish Santander bank account but I don't think this will apply. I would like to rent what can I do.
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MBNA Card sold to Virgin
I have recently been 4 payments behind on a virgin card, i phoned this morning and found out that it had been transferred to Virgin. I have no defaults and do not live at the address (work abroad). I am really worried i have now defaulted (MBNA dont default till 6/8 payments). What can i do, I have tried to call and have…
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closing old accounts - file
if i close down old current account which has been unsused for ages via a bank switching service (ie. i sign up for a new current account with santander and they write to nationwide to close my old current account) - does this leave a mark on my file or carry out an ID check at the nationwide end?
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Default more information needed
I received a letter from Lowell Group but opened it today 4 weeks after receiving it. The letter stated it was being escalated to County Court. In a bit of a panic I emailed them to ask if I could seek arrangements on my accounts as I want to start paying them off. However I noticed that 2 of the 3/4 accounts they hold…
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FAO: Vodafone Rep
Good Morning, So I have a bad report on my credit rating from Voda phone. Many years ago I was sent down to PC world to get a 3g data card for my boss with a purchase order. I ended up giving my own details such as address, name, DOB etc apart from bank details as it would be paid from the company account. so about 8 years…
