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AVON rep default over returned goods - how to proceed?
I'm currently working through my credit file and found a default from 2012 for £200 from when I was a representative briefly. I have contacted AVON and said: In April 2012 I was briefly signed up as an Avon representative at my previous address XXXX. I placed a couple of orders but then my personal circumstance changed and…
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Do minimum repayments affect Credit score?
We have a Santander CC for cashback on fuel etc., but cover the money spent in a Santander 123 account for the decent interest. We pay the minimum repayment on the CC each month with a view to paying it all off when it reaches its limit. My sister in law reckons that only paying the minimum amount each month will affect…
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Different reporting with 2 agencies....???
Maybe someone can shed some light... I had a defaulted account, originally with Saniburys, then the debt was sold to IDEM. In May last year I made a CCA request to them for which they were unable to produce ANY information, as a result the account in frozen until such time they can produce it. There is no record of…
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Duplicate entries
Hi recently my partner has had a company buy an old debt and issue court papers. So of course we were using credit reports to try validate the details as they did not give any details apart from an amount on the claim. My problem is this is an old debt with Provident and yet on his credit file he has a debt with provident…
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Please Help. Unfair Low Credit Score
My partner and I are in the process of looking for a mortgage. I rent and have for nearly 6 years, paying my rent on the dot every month. My partner has an immpecable credit score and no problems with her credit rating. Problem...? Yes. We've just been told that we cannot be lent to because of my credit history. Primarily…
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CCJ's - Cofusion
Hi there Hoping someone can help I have had a letter from Cabot Financial saying they want an attachment of earnings for a debt I supposedly had in an old married name. I had no contact about this for years then all of a sudden this comes through my door I think its statute barred but apprantly they have a CCJ applied for…
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Default Date Correction
Hi, I was declared BR in Feb 2011, currently in the process of cleaning up my credit file. I have a query regarding a mortgage default date. The default date shown on my credit file for the mortgage is May 2012. Should the default date be the same date as my BR? If so, who do I contact to get the file corrected, the CRA or…
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Income declaration when applying for credit
I noticed this week's Question of the Week, and think there's an error in the answer: "what you've entered on the form is usually verified by comparing it with the cash going through your bank account (via credit reference agency checks)" How do credit reference agencies supply this given they don't show positive balances…
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Will this affect my credit score?
Hi there, Got a simple situation. Moved houses in october, and during the weekend I got a letter from advantis to give them a ring. I did, confirmed my details with them and they said that there is due bill from water company. So i've asked to what address they've sent it, and they did indeed send it to the old address.…
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IDEM being awkward!
Hi everyone, In a nutshell: I'm on a debt management plan which has resulted in 5 defaults (will drop off in 3 years) and an old MBNA debt that has gone to IDEM, they haven't/won't default me instead I have a DM marker on my credit file from them which, as i'm just finding out, is a royal pain as it's going to be on for…
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positive advise only please
5 years ago I was made redundant and unemployed for 3 years on top of that my marriage split meaning any finance I had with the ex has now fell on me to pay as all finances were in my name ..When unemployed I obviously got behind with payments and came to arrangements with creditors ..I am now in a DMP and not missed a…
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Best way to pay off defaulted account
Sorry if this is longwinded but here is my story. In 2008 I moved abroad. I closed all my accounts (energy etc). When it came to closing my natwest account I went to the branch and closed it in person. Brought the account to £0 and handed over my card. I asked the person working at the bank if there was a form to fill in.…
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Will 2 car loan applications hurt my score?
Hi everyone. I have a question about applying for car loans and the impact multiple applications have on your credit score. My 'score' is 999 on Experian, I have a long credit history, payments always on time, only 25% of my available credit in use and no bad entries on my report. I have only one previous application for…
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credit default, served
Hi, I wonder if anyone can help me please. I received a default on my credit file about 8 years ago due to defaulting on a loan agreement with a bank. I struggled to get credit due to the default ( as you can imagine) and was in no position to pay it off (£10k) so i let it run its course and agreed with the company that…
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Beware of unseen costs when applying for payday loans
Please, please, please read the small print when applying for payday loans. I didn't and it has cost me almost as much as the loan i was applying for (and didn't get!) I was desperate for a payday top up and so went online to try and get a loan. I filled in all the forms and kept getting rejected but sent to different…
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Building credit after DRO
Hi, I entered a DRO in September 2015, when should I start applying for 'bad credit cards' to start improving my credit score again?
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Call Credit (Noddle/Compass) search - 'Administration Review'
Does anyone know what it means when a lender searches your credit file under the heading 'Administration Review' ? Many thanks
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Credit score excellent card application declined
My credit score with experian is 984 excellent ,applied for a 22 month 0% no fee balance transfer AA credit card today and was declined ??when I asked why I was told to check my credit score with experian as this is the one they use also check with cifas.I haven't checked cifas just looked at web sight seems like a ploy…
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Another CCJ question!
Hi all, I'm new to the site. Another thirtysomething trying to get her old debts in order! I have two CCJ's - one from a catalogue which I settled today (from 2013). The other is an old british gas account which defaulted in Oct 2010 so nearly 6 years. I've paid £1 pm ever since the default, and it has now been written off…
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Default reappearing?
Hi everyone, I've got a default on my file from 2010, I've kind of been waiting for the 6 years to roll around so it wasn't checked anymore but on looking at my credit file, it keeps appearing every month. So now on my file, the latest default is January 2016 when actually the default happened in July 2010! It looks to me…
