-
Very Account Balance
Apologies if this is in the wrong place but I'm sure a few of you out there have a Very account. Has anyone else had any issues with the available balance that's shown? I check my account regularly and I notice this amount goes down slightly a few times a month, normally a couple of pounds up to about 10 pounds. I get…
-
credit report help
Hi I currently have a debt of £3,500 and on my credit report theses are marked as a default payments as i didnt know i had these debts. Old address and an ex partner :( Would i be better taking out a loan for the amount so that once there paid they will be removed after 60 days. But it shows me having a loan of £3,500 Or…
-
Impact of a default.
Does the impact of a default on your credit files diminish over time? Or is it as bad as the day it went on. Is a default any better paid or settled on your files?
-
Should i close some accounts?
Hi all, This is my first post here and probably wont be the last however i just wanted some advice on what to do, had a very poor credit rating, slightly improved it last year. On the electoral roll for around 5 months. managed to get finance on a vehicle thinking this may help it improve even more. Been 10 months since…
-
BT Sport & Cancelling DD
What affect will it have on my credit report? Some info, I rang two months ago, gave 30 days notice, was told my final bill would be March 13th and services termintated from then on and that I would get a letter confirming cancellation. Billed me again April 13th, rang them, ever so sorry, something technical must have…
-
Default on file - I wasn't then 18
Hello all, Not sure what to do, I have a default that's due to drop off in a year from a store credit account that I "opened" in 2008; I did not actually turn 18 until 2010. I did not misinform them of my age at the time nor at the time did I know that I couldn't hold a financial agreement until I was 18. My DOB and all…
-
Default on file whilst Ombudsman investigated a dispute
Please help..... I took out a 3 year / 60,000 miles private lease hire contract (Citroen C1) via Evans Halshaw which ended last August. Upon returning the vehicle I got hit with a bill for £884 comprised of 2x missed services and some damage which Citroen said was outside of their fair wear and tear policy. For a number of…
-
NRAm updated 2 Agencies with conflicting info.
As per title..NRAM have updated at Least 2 CRA"s with conflicting information. Ive raised a dispute with NRAM as they reported my Mortgage was not paid for 14 months...shows as Missed payment. I allowed them a week or two and called them to be told yes we have made a mistake and your credit file(s) have been notified to…
-
Complained about littlewoods and very
Hi all, I complained littlewoods and very and how they did not consider circumstances when giving me my accounts and credit in 2013. asked for all entries to be removed from credit report and all fee's and interest returned. very\littlewoods did not appear on my experian credit file before this point just my equifax with…
-
Inactive Barclaycard not on credit file
I had a Barclaycard from December 2015 to Dec 2016 when it was cancelled due to inactivity. This card does not show up on my credit file at all, should it be there or not?
-
Virgin Media Default on credit file
back in April 2010 I took out a contract with virgin media, had endless problems with the service. I was experiencing the onset of health issues and had to move house at the end of April 2011 to be nearer my mother who provided care for myself. Due to me spending a lot of time in hospital and unwell Virgin Media was not at…
-
Old Mobile Account on Credit File
Back in 1999 I had a contract mobile with Orange but I went to PAYG in approx 2003. Always paid the bill on time with no issues. I recently checked my Credit File and using Noddle it shows "Orange brought to you be EE" and from Oct 2010 it has been reported as "Account payments up to date" and this has continued up until…
-
Credit card missing on credit report??!
I had a credit card with Aqua back in the bad days when I was defaulting all over the place (<2012). I went through a debt management plan and cleared myself of all debts in 2012. As you can imagine, once I settled these accounts, the products that they related to also closed. But out the blue I got sent a statement from…
-
Default on credit report
My DRO ended in 2011. Having another look at my credit record I can see that one debt which was included in the DRO is still showing as a default. Everything else has gone. Is there any way to get it removed?
-
Just seen a CCJ on my credit report - advice
Whilst checking my emails this morning I came across an email sent today from Experian who I subscribe too saying there is an update, so I logged in too check and found this - Your Experian Credit Score has decreased by 114 due to: 1 changes on your Experian Credit Report You have a new CCJ, Bankruptcy or IVA record on…
-
Help!
I have just logged into my Experian credit report and paid £4.95 to update my credit score, as I have cleared all my debt and wanted to check the accounts had been settled, only to find out the score has dropped 41 points since December last year. I have not missed any payments for 17 months so was thinking that it might…
-
Default Notification Process
I received a default on my Cahoot card in May 2013, for just missing 2 payments because they took Direct Debits early. I then increased my payments to make up the shortfall only to find 6 months later they had served a default on my account and not notified me. When I contacted them at the time they said they had sent me…
-
Defaults and cleaning up credit file
So after 7 long years we are at the end of our DMP, so we have took a look at both of our credit records. Obviously they are a total mess now with loads of defaults. However, and correct me if I'm wrong, but defaults drop off your credit record 6 years from the date of the first one on each account? If this is the case,…
-
Rental Agency Declined Rental Exchange Scheme
Hello, I would like to join the rental exchange scheme, but the estate agency who I pay my rent to has said no. They say it is against my rental agreement which states rent should be paid directly to them and they are not prepared to amend the agreement to include a third party. I don't want to move house, so I don't see I…
-
quotation search
have just looked at my noodle report and Capitol one bank have donw 3 quotation searches in the last week or so, I have not done anything (I can think of) to generate these searches. Do they mean anything sinister or nothing at all (had a capital one CC a while ago) ?? thanks wayne
