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Ebay dispute
Hi All, I have a slight issue. I sold an item on ebay and buyer paid for it but then he raised a case against me saying the item is not as described. I submitted my evidences to show it was as described but when it was escalated to ebay ( after few days to leave us sort it between us) they made a decision within literually…
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Credit Report help
Hi guys. I'm new to this forum, so forgive me if this question has been asked before I recently paid the last debt off completely, on 06/01/2016. I was just wondering, how long after I paid it off will it be updated on my credit file, as I have just been online to check to see if the balance was showing as £0, but its not,…
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Is it worth paying for Experian, Noddle, etc?
I pay £15 per month for Experian for credit file, alerts, etc. Noddle offers a similar service for £45 for 12 months. Is it worth changing? Is it worth having this type of service at all? Thanks.
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Other peoples post.
Hi all, We've recently moved to a new rented property and are receiving letters under the names of many different people, including the landlord. I assume the other are previous tenants. Some of these letters look like bank statements and bills as we get similar looking envelopes. My question is that if the people, who the…
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CCJ paying before court date
If you have received a claim form and settle before a court date, does the court date continue and will you get a CCJ? Only trouble being I don't agree with the amount they claim I owe. Also, I never recieved a default notice from anybody. Would this have to be from the creditor or a third party company? Kind regards Josh
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Help with very poor credit file
Hi there New to this... But I am looking for help. My credit score at the moment is very poor. Over the past 18 months I haven't been in the best financial position. I got let go after finding out I was pregnant, therefore my partner was the sole earner. During this time I still had a car lease for £233 a month to VW.…
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Noddle is wrong. View Experian Score for free monthly with Barclaycard.
Hi All, Interesting discovery tonight. I have recently purchased Noddle improve (£30 for the year) as I am due to marry in September, although I am trying to fund myself without the need of a loan, I thought it might be worth keeping tabs on my score just in case I need an emergency loan closer to the time. Noddle - 1/5. I…
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Finding Old Credit history
Hi, Hope someone can help us. Before me and my Wife were together she had quite a lot of credit cards, loans, store cards, car finance, etc. She is wanting to check wether she had any PPI on these but can't remember who she had these cards with. Is there any way to check old credit history as we have tried Noddle but they…
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Business car lease and personal credit file?
I'm a self employed sole trader and i was wondering if i take a business car lease weather it would show on my personal credit file? I'm planning on going for a mortgage in a few months so i'm trying to avoid anything adverse going onto my credit file.
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No knowledge of credit history, help
Hello can anyone advise please. My father is retired and applied for a SAGA credit card to use abroad. SAGA has come back to him stating that they have no knowledge of him?! They have asked him for further information including 6 months of bank statements. Obviously he is reluctant to produce all this personal information…
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Direct Debit missed by company
Hi One of the big 6 gas/elec companies has just admitted over the phone that they have not taken last month's DD payment. They are taking double this month. Will this affect my credit rating given that it's not my fault? thanks
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How quickly do paid off loans/CC disappear from credit searches?
We're about to apply for additional borrowing against our home having just paid off two personal loans (3mths early) and a credit card. How long will it take for these 'pay offs' to show up and disappear from my credit searches? Obviously if we're looking to borrow more money it'll be useful if these show zeroes!
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How easy is it really to set aside a CCJ
I've recently taken someone to the small claims court and had the judgement issued by default, which should feel like a victory, but it worries me. When I've googled CCJ information, the internet seems to be full of people applying to have judgements set aside because they claim they didn't recieve the paperwork - even…
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Early default removal tactics
Hi everyone, we are desperate to buy our next home and the major stumbling block is that my wife has a default on her credit file from 2011. At the time she was in a DMP and her debts were being paid by the DMP company CCCS (now all paid). Unfortunately the way they paid her debtors meant it generated a default on one of…
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Debt Collection Agency
Hi Having moved house last year I went through all my paperwork (almost) updating my address details including driving licence and through a complete and genuine over site didn't sent my vehicle registration form V5C to DVLA. Now this led to my tax renewal reminder being sent to my old address which never receiving and now…
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HSBC randomly defaulted savings account !!!
Hi guys. Hoping for some advice. Am due to apply for a mortgage soon - had past credit issues and defaults but have had good progress and everything is looking much better with all but one of my defaults about to fall off! Anyway after seeing my mortgage advisor on Saturday I looked at my equifax report (I usually keep a…
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Is this a missed payment and will it affect my credit rating?
Hi all, This may have been covered before so apologies but I'm just having a mini panic! I bank with multiple banks and, as such, I regularly transfer money between various accounts. This month, being the muppet that I am, I managed to transfer slightly too much money out of my main bills account which meant that when they…
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Santander 123 Current Account Rejected
Hello. I'm absolutely gutted. I really wanted a Santander 123 current account but they rejected my application via email within 1 minute of me applying (email said they "carefully considered my application" !?) They said they used Experian as a credit check so I registered for the free report. My score is 999 out of 999! I…
