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debt
say if i have historical debt that is under 5 years old think mobiles vanquis etc plus a few letters coming from debt recovery sites is there anywhere I can find out who i owe and what i owe assuming i no longer have a clue what I owe apart from the debt letters?
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Credit Card Cash Advances
How long does credit card cash advances have a detrimental affect on your credit worthiness? :eek:
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Credit checks and electoral register
If I get myself removed from the 'Open' Electoral register, does it affect how companies can check my credit rating? thanks
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Andrew James enforcement limited please help?
I've had this letter through the post this morning in regards to an ongoing case with my local council..... On my last house I moved out of my landlord stiffed me by telling the council I had moved out later than I had. Creating £377 worth of debt. Now I have Andrew James demanding £700.00 I'm petrified, I'm worried that…
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Help with a default
Hi I could really do with some help regarding a default notice I have just found on my account from Gothia. Back in 2013 I had an account with H&M, was late with payments and it was passed to a debt collection agency, namely Gothia, who put the default on my account. I don't remember them sending me a default notice so I…
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Credit report questions
I need to get a credit report - as advised by TalkTalk in their recent issues with hacking However I do not want to pay for it My options appear to be either Experian or Equifax or free from Noddle I am unsure whether Noddle can offer the same service as the paid for ones ? But, if anyone has my personal details and…
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Which energy companies report to credit reference agencies?
Hi, Me and my partner just moved into a new house and want to start building our credit rating. We are currently looking for a new energy supplier but I thought we could use it to our advantage if we manage to find a cheap supplier that also reports to credit agencies that we pay on time each month. I'm struggling to find…
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Bank account got closed due to debts
My bank account was closed by HSBC, with a debt of £450 Because I have taken a gap year, and went to Hong Kong. I presume i will still have the interest free student overdraft, so I ignored it for a year, just now I was checking my HSBC online banking and they told me it got closed off. So I gave them a call, and they say…
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FAO Experian rep
Hi, My partner applied for her £2 statutory report on the 12th August and was informed a code would be posted. No code has arrived, she has emailed the help account a couple of times and no reply from them either! She spoke to someone on the phone today and they said they couldn't help either and you have to wait for an…
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Strange thing happened with NatWest
Went to an appointment at my local NatWest branch the other day to request a student account. I already have a current account with them (select platinum) with an arranged overdraft of £250. I told the advisor I would like to keep my current account AND have a student account. She said this was OK and proceeded with the…
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Debt - paying off in full - how long to rebuild?
Hi Guys I have the following debt: Vanquis - 2150 Aqua - 1500 Capital 1 - 750 I am paying all of this off next week. My question is my current rating is very poor due to missed payments and the amount of debt I have being maxed out. I have been saving hard and can now pay it all off. How long until my rating should improve…
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credit file damage??
Hi,a newbie here in need of help,if i apply for a credit card for my partner on my credit card account will it affect my rating at all??She has poor history and defaulted in the past/wonga etc. Also,in order to raise my rating would it be better to dump a couple of cards i hardly use anymore,or keep?Many Thanks :)
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Late payment
Help me please!!! I have an account with very, every so often i buy something on there just to keep adding to my credit score. In June, i logged on to make a payment to clear the balance. Made the payment no problem. Then when checking my credit score (for our mortgage application) i notice a late payment in June from…
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Help with improving credit score
Hi I just checked my credit score and it is fair. I want to improve this, any ideas? I have no defaults etc but i have alot of potential access to credit. I've read that closing down credit accounts can adversly effect this? So now i'm unsure what to do , i can close down 5 accounts? Should i do this gradually? Or all at…
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Npower - data collection
My son is in the unfortunate position of having his electricity supplied by Britain's worst company. He has resolutely refused to provide them with his date of birth (data protection and all that), but now it transpires that they have it anyway. Where might they have got it from? One possibility is that his landlord…
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Possible to get rid of a £50 default?
Okay, so I'm not quite sure how this happened as I have had NO contact with EE until this, so sorry if this doesn't make full sense. In 2011, whilst at university, I took up a SIM only contract with Orange - it was a great deal until my phone was stolen and I had to deal with their appalling help team, who basically told…
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Old defaulted account appears once again on my credit file
Bank loan was defaulted 15 years ago and dropped off my credit file around 9 years ago. I eventually settled with with them as a f&f 4 years ago. However, the balance that was supposed to be written off has appeared on my credit file last week. I thought that once a defaulted account dropped off your credit file it…
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Natwest overdraft increase
Hi everyone! New here so apologies if my post isn't in the correct place :) . Anyway, in May this year I was on my online banking page and I noticed it said on one part "you are very likely to be approved for an overdraft of £250". I found this quite odd as I had previously applied for an overdraft last year for about £100…
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Incorrect date of vodafone default
Hi, I'm new to the forum so please forgive me if I'm posting this in the wrong place. Let me know if I should post it elsewhere. Apologies in advance if this is a bit long, but I'm trying to get all the facts out. My query is regarding what time-scale is reasonable for Vodafone to register a default against my credit file?…
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Demands for payment for my mum at my address
Hi, We received a demand from a debt collection agency for a well known mobile provider. It was addressed for my mother in our address, she doesn't and never has lived with us. She is an OAP and has never had any credit apart from her mortgage. The first letter i returned to sender stating no one of that name lived here.…
