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Paypal chargebacks 😡
Hey looking for some advice, I recently helped a so called friend out by requesting money through PayPal from them as they didn't have online banking then lifting it out and giving it to them, this happened 3 times. now several months later they have claimed chargebacks through their bank and I now have a -665 negative…
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credit report help !!
Hi all and thanks for taking the time to read my post. This is my first post here so sorry if my question has been replied to before. Okay so heres my problem... I recently decided to take a loan out but was declined by the lender so i signed up to noodle to check my credit file to see why. After checking my file i seen…
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Poor credit score.
Last year I got myself into £3000 debt with a 0% credit card. I have never missed a payment, and always paid back the minimum of £25 a month. When the 0% period ended, I decided to get in contact with the charity Step change. I sorted out a DMP and now pay a minimum of £40 back a month which is fine. What I'm just…
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Credit score for new job
hi, could i ask a bit of advice ? just been interviewed for a new job at a building society, and they asked if i had ccj's, bankruptsy, bad credit..... so, one i was rather embarrased by this and said i had made a few late payments in the past. which is true, but nothing major, but i do have mortgage arrears which we are…
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Joint Accounts - voluntary responsibility
Hello! My b/f is in a situation where he shared a current account, and is named on a mortgage with his Mum. Unfortunately the current account defaulted in Aug 2013, and the mortgage fell into arrears. We recently found out how much this affected his credit score, and it will have a massive impact on our chances of getting…
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prime location services ??
Hello Has anybody ever had any dealings with prime location services? i received a letter this morning stating it was urgent for me to contact them. When i rang the company he refused to give me any information on a third party who was trying to contact me until i gave him the correct house number to a street that i lived…
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Arrangement to pay
Hi I took out a loan with Black Horse in 2008 and got into financial difficulties in 2010. I agreed a reduced payment with BH who marked my credit file with arrears markers and then Arrangement to pay markers. The loan was paid off in 2014, however, the arrangement to pay & arrears will stay on my credit file until 2020,…
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Experian etc, who can see my updated information?
Hi folks, I have a question which may sound a little odd but here goes. I have wanted to start to rebuild my credit after it was wiped out following an accident a few years ago which left me incapacitated and broke. The first thing I wanted to do was check my credit score but the only thing that has put me off is I recall…
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Taking debt recovery company to court
Hi, i am looking to take a debt recovery agency to court for documents they are unable to produce (i have now been chasing them for 5 months for these documents) I also want to know if i can charge the company with the costs of going to court. I have been chasing them for months and this is my final step. Can someone…
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What it the impact of late payment on credit score?
Hi Just had a look at my credit score and was shocked to see that it had dropped, especially as I had done nothing to impact it. Had a look and discovered 2 late payments registered by Vodafone. This was actually a rolling 30 day account which was for an alarm system at a property we were working at. The sim itself was a…
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MSE News: Erudio to contact graduates again over deferment deadline blunder
Student loans administrator Erudio is to write again to thousands of graduates to confirm new deferment deadlines...Read the full story: 'Erudio to contact graduates again over deferment deadline blunder' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works,…
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NRAM wrongly updated credit file
Ok hopefully easy question. NRAM have updated my credit file with a full years worth (about 16 months in total) of Payment missed. Ive contacted them and they said yes we have updated incorrectly...they opened a complaint for me and ive recieved a letter stating they have 8 weeks to deal with complaint. I was under the…
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Barclays added default to my credit file in error
Hello Around 6 weeks ago, I called Barclays as I wanted to change the account my direct debit came out of. I called them, they sent me a DD mandate form. I completed this and sent it back to them. A couple of days later, I checked my TSB account, and the direct debit to Woolwich was in my list of direct debits. Today I…
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Clearscore accuracy?
Hi All According to the Clearscore website it gets it's data from Equifax. I have just done my standard 6 monthly statutory £2 report with Equifax. I know I have an old default on there that is just over 4 years old, but this default is not showing up with Clearscore in my account overview. With Clearscore it shows as a…
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Credit Limit too low
Hi, I recently used Experian's free trial to look at my Credit Score. I had one negative on the report which said that my current credit card limit of £1000 is too low and indicates the banks may be reluctant in giving you a bigloan. I have had this Credit Card for 5 years when I started university and was given a credit…
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Double Default
Hi, I defaulted on a debt with Hitachi Capital on the 5th of December 2012. Another company, Cabot has then placed another default on the same date with the same amount. My thinking is that Cabot bought the debt from Hitachi Capital. Surely this default should only appear once? and if so which company is in the wrong? I…
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How will this debt reflect on my credit file
Hi all, I have just settled a debt from approx 4.5 years ago. The original lender was sky (tv), the "current" creditor is MEIV limited and the debit was chased by Cabot. (£123.50) The sky account never appeared on my equifax credit report and still doesn't to this day. Cabot has shown up in searches, but nothing else. My…
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Insurance searches on credit profile?
I've been looking at my Noddle and ClearScore credit reports and I've noticed hard searches that I'm unaware of and I'm wondering what they mean. The majority of searches are 'Lexisnexis Risk Solutions Uk Limited - Insurance Quote - Www.Lexisnexis.Com/Ukconsumer' from May last year as well as a fair few in 2014 when I…
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Outstanding loan
Hi My partner has and old debt with Welcome Finance, I am not entirely sure how old this debt is but its at least 5 + years an maybe 10. The amount owing is about £3,500. There is no longer nay interest charged to the account and she pays back what she can afford each month, between £10-50. It will take some time for the…
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Never had credit advice on getting mortgage
Hi I've never had credit and I want to get a mortgage but have been told I need to build up a credit history before I will be accepted for a mortgage. I am 18 and have just been registered on the voters role. How long will it take for me to build up a sufficient history to be accepted. I've just taken out a credit card to…
