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Statute Barred Debt?
Hi all, thanks in advance for any advice offered. I am in the process of helping my partner sort out his outstanding debts following being made redundant a few years back. He has set up repayment plans with all but one and this is the one we need advice with. It's a loan from Black Horse - £2709, for which he has only…
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Satisfied CCJ but not in the country
Hi All, I do hope you can help. I have a CCJ registered against me on December 2012. During this time, I was abroad having to take my wife and baby to see her parents. I don't believe I received any documents at the time regarding the hearing (as I would have made sure that I attended the hearing or at least informed the…
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Joint mortgage not showing on my credit files.
Hi, Wondering if anyone could shed some light on this for me, please? My other half and I took out a joint mortgage from the Halifax in March. The mortgage is showing on all three of his credit files but on none of mine. Is this usual? I expected it to appear on mine also. Thanks.
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Mortgage refused due to incorrect credit information.
This week we had a mortgage application with Santander refused. We were told it was due to my wife's credit score. Six years ago we received letters from John Lewis and debt collection agencies chasing debt for someone with a similar name to my wife, different dob and address. We checked her credit score with Experian and…
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Poor credit rating, no defaults/missed payments
Hi So I know there is no such thing as a credit rating per se. I know that I am unable to obtain credit (and this has been the case for a while). I was also only offered pre-pay gas/electric meters when I moved into my new place (thankfully my husband could get us a decent deal on that). I'm even rejected for certain bad…
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Aqua credit checker
So I have noddle but also an Aqua card. Is signing into Noddle via Aqua credit checker meant to be different? I've heard previously that you gained access to the premium stuff for free and that reports were generated whenever you logged in. There is no longer a form to fill out with Aqua, either you sign in as normal or…
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Beware comparison websites may damage your credit score!
I just got my latest credit score from Noddle as I am applying for a new mortgage. I was shocked to see it had gone from Excellent down to Fair! Nothing has really changed in my cicumstances so I looked deeper in the report. When I looked at the searches made on my account I found nearly fifty searches on three different…
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Halifax Mortgage
Hi, I was issued a full offer by Halifax in Feb this year. I called them today to ask if paying for car insurance monthly would be a problem for them. They said its highly unlikely that it would. So I've decided I'll just pay for it in full. Rather than take the risk. Whilst about to end the call, I noticed quickly on my…
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default - information
Hi all, I have 5 defaults. 4 of which are due to come off within 18 months. However my question is that im paying small payments towards each, will they still come off at the 6 year mark and do i still need to make payments towards the balance? Secondly my last default is not a huge amount of money and as my finances…
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Clearscore security
I am amused, or perhaps concerned, to be able to report that I have inadvertently managed to open two separate Clearscore accounts, with different email addresses, both accessing the same data about me. The anniversary dates are 2 weeks apart, so it now means I can check my data twice a month rather than only once. Says a…
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TalkTalk Dispute
Dear MSEers, I was a happy customer of TalkTalk for 3 years or so but around Christmas time, for technical reasons [very large household], I decided to move to another provider. Notice was given in the proper way, all payments were up to date, and all TT equipment was returned properly. I was then sent a small bill for £45…
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Will my DRO stop me getting a mortgage in the future?
Hi everyone, Could anyone shed any light on my situation. I applied and received a DRO (Debt Relief Order) over a year ago now. I'm aware it will appear on my file for up to 6 years and affect my chances of getting credit thereafter... However, I just wondered if anyone has been in a similar position and managed to get a…
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Mainstream account with a CCJ
Hi I'm a student and have a non-student bank account with Halifax. Been with them about 2 years. I got a CCJ last year for £1600, landlord claimed I stayed for six months after tenancy when I only stayed two. Is there any chance I could get a Lloyds club account? Or is there no chance? The cinema tickets would be great on…
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CCJ paid, but no receipt
I had a court judgement against me this week for some gardening work. It was only part payment of claim and the claimant had to pay court costs and our expenses for the day. We paid by cheque outside the court room, but due to the stress etc forgot to ask for receipt. I've written to the claimant to ask for a receipt, but…
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Serious debt with Virgin Mobile on credit report
Greetings. Not sure if I ought to complain, so let me explain. I joined clearscore to see my credit report for free. On there I see that I have two 'negatives', one being a 'serious debt' to Virgin mobile. The debt incurred from a mobile phone contract in 2012. Phoned Virgin up and they said, yes, I did have a debt of…
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Identity fraud leads to CCJ and other issues
I thought Id share this one with you and see what advice you all might have. About a year ago my wife and I were trying to get a mortgage for a house. On performing an online credit check, the broker found a CCJ in my wife's name from two years ago. After looking in to it, it was a debt for veterinary services from our old…
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Amother rookie with a default question
hi, just wondered if someone could give me some advice... I had an account with orange that I opened in January 2012. In November 2012, I transferred it over to EE. Anyway, I had never looked at my Credit File for years until I logged on for a 30 day free trial at one the other week... I discovered Orange had placed a…
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Advice to settle old CCJ with warrant of control from very old debt
**update I reposted this with some edits in Debtfree Wannabe** I've been trying to clean up my credit report recently having finally cleared debts from the past 15yrs, only to find out recently that I now have an active CCJ against me from Northampton court dated from November 2013!! This is total news to me as I moved…
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Chances of getting my default date changed?
I've heard lenders should put your default date from when you were first 6 months in arrears. Would I have much chance in asking for the default date to be put back to April 2010? http://i1146.photobucket.com/albums/o523/scott_oliver1/image_zpsgc1mhukh.png
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Only defaulted accounts removed after 6 years?
I've heard accounts are removed from your credit file 6 months after they were defaulted. What if you had an account with months in arrears followed by arrangement to pay months then a number of paid in full months before being settled (closed by myself)? I would like this to be gone from my credit file as it doesn't look…
