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CCJ Problem looking for advice
Hello all, I hope you can help me out. I have received through the post a Claim Form from County Court Business Centre in regards to a debt from about 4 or 5 years ago with HSBC for £2,500. 4 or 5 years ago is also the last time I paid anything on the debt. I have had a lot of personal trouble in these last few years and…
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Associate Link Search
I've just noticed a couple of new searches from capital one appear on my noddle credit file, the reason says Checking Credit Application - (Associate Link Search) I didn't apply to Cap one for any credit on the dates of the searches What does "Associate Link Search" mean? Mat
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Experian report missing lots
Hi, ive got my experian credit report and mine is all showing ok apart from me missing on the electoral roll. they are blaming the council for formatting the address wrong and saying we have to get the council to change it, cant see that happening. My wife's report is missing all her account that were opened before we were…
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Different credit records??
I have 988 with Experian, 248 withEquifax and 92 out of 700 with Clearscore. Why are they all different???
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Gym closed - how to cancel DD without affecting Credit Score
hi there, Not sure if this is in the right section so apologises if it isn't. Posted it in the credit rating section as I'm wondering if this will affect my credit rating... So I took out a gym contract for a year paying by Direct debit monthly, however, my gym has recently gone into liquidation. (I went to go to the gym…
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Dentist debt help
My girlfriend just received a letter from a debt collection agency for a dentist bill of £18.50 which we believe she doesn't owe. 3 times in the past we have both had letters from this dentist telling us we owe money, every time we have challenged they have looked into it and admitted it was their error. The letter says we…
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help understanding credit file and repaying debts please help
hi guys don't know where to start really basically i have been declined for pretty much every line of credit in the last few months i know this is irresponsible in the first place so now have recently stared looking into my credit file and decided i must pay my debts the problem is i just don't know how to go about it.…
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Default dissapeared from credit file after only 2 years?
Hiya I recently signed up to Experian again to check my credit score due to it being in the mid 500's last year. Unfortunately a few years ago, I had used an overdraft with Barclays Bank and lost my job shortly after so was not able to make payments for the overdraft, and it ended up showing up as defaulted on my credit…
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CCJ off Legal Parking Enforcers (UK) LTD
Has any body heard of or dealt this company and can any one offer any kind of information regarding County Court Judgements off them? Or any info about who they are, are they a government agency or are they just an independent limited company?
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Default from DCA for written off payday loan
Hi Everyone, I'm new here and currently undergoing a 'Money Makeover' as well as trying to rebuild my credit after getting a CCJ and a default in March 2013. My ultimate aim is to get a mortgage in about 2-3 years. So I have one CCJ for £593 from the DWP for crisis loans I got whilst in part-time employment, the debt has…
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Sign this Petition. For no adverse reports from United Utilities.
https://petition.parliament.uk/petitions/109697/sponsors/J6daK2IcRiDdlEY1xaG. I made this petition against United Utilities making adverse notices on to peoples credit files. It needs five signatures before it can go active.
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I have a default from july 2010 off halifax
But my credit file states that it was updated July 2013. Will the default still go off my file July 2016 or has it been extended to July 2019 now?
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O2 closed old account and opened new account for upgrade...
So every 6 months or so I get a months membership with Experian to see how my credit file is looking, I was quite irresponsible when I was younger so I am trying to repair my score. Anyway, I had a look today and my score has dropped 131 points and its all because of some weird thing o2 have done when I renewed my…
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newbie - CCJ at end of debt?!
Hello, just hoping someone will be kind enough to advise me. I messed up my finances quite badly 5 years ago but back on track now. Final debt is to a HSBC debt collector, about 2k which I pay £20 per month towards. The 6 year "drop off credit file" will be next August. Can they slap me with a CCJ if I continue to pay,…
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Any sites that do not need card details?
Hi all, hope it's ok to post! Due to having a loan a while back i have a bad credit rating. 3 years ago i tried to get a Debit Card and was declined due to it. So i was given a standard savings account where i can only withdraw money from a ATM. I was told i could try again in a few years to get a debit card. Went to bank…
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When will this drop off my file?
Wondering when this will drop off my credit file? 6 years from last delinquent date or last date they stop reporting to equifax? postimg.org/image/4qgk8pmy1/[/url] They are still reporting every month even though i dont have an account with them anymore. Thanks
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Letter from Lowell with my name
I have just received a letter from Lowell with my name on it stating that they are attempting to contact this name (my name) but at a different address. If it is me please contact them etc etc, If it isn't me still contact them so they can update their records and not contact me again etc. Normally I wouldn't be so worried…
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Letter or template regarding a default?
Hi guys I'm in need of a letter or letter template , my letter writing is terrible and I don't want to put anything down which isn't going to help my case !, I'm enquiring to sainsburys regarding a default I disagree with I contacted there customer service team and they said they are unable to locate my account or any…
