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Closed credit card listed at Settled
I'm hoping you can help me. I've closed my vanquis credit card account. I have not been in arrears, paid late or closed the account with an outstanding debt. However, they have listed my account as settled on my credit file. After two months of ignoring me they have finally responded saying that is how they list a closed…
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Will this harm my credit file?
Me and my partner booked a holiday to the Dominican three months ago. Total cost £2,600. Paid so far £500. I'm paying off another £300 at the end of the month, leaving around £1800 outstanding. I have a Yorkshire Bank Gold MasterCard which has 0% on purchases until September 2018. Will putting the cost of the holiday onto…
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CC Late Payments and Mortgage
(I posted this on the Mortgages thread, and whilst it did open a good discussion no one could answer about the late payments). Hello kind and helpful people of MSE. Hopefully a fairly straight forward one for you all on a cold Tuesday morning! The Girlfriend and I are looking to get a mortgage (I had planned to have…
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Defaults
Hi all I have just checked my credit score on clear score this evening, and i noticed that a lot of my debts havent had default markers placed against them (nearly 3 years into SC DMP). Now im sure i have read somewhere before that it may be better for my credit file going forward if i have them corrected as defaults from…
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Ccj issued to old address please help
We are about to apply for a mortgage and have just applied for my credit file and have seen a CCJ has been issued against me last month at my old address. As I am not living there anymore I have not received any letters and I am after any advice as to whether there is anything I can do to get it removed?
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Moneyclaim
I would be very grateful if someone could help me with the online moneyclaim service website. I have recently taken a tradesman to court after the shoddy work he did in my bathroom its been over a month now and I do not really understand the terminology of the wording on the site on the claim history it reads; Your claim…
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HMRC doing credit check
Why would HMRC carry out a credit check on me ? According to my latest NODDLE check - HMRC CVAL MI did a credit check on me - last month .....
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Debt consolidation with low credit
Hello, I wonder if anyone could offer any help / advice at all please? I have a very high level of unsecured debt at the moment in excess of £40k 😩😬( I know this is ridiculously high but I have had mitigating circumstances over the last 3 years) My income is just under £40k pa with overtime every month and an annual bonus.…
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Utility providers should not be allowed to report your accounts to the CRAs
http://www.telegraph.co.uk/bills-and-utilities/gas-electric/i-sued-scottish-power-for-wrecking-my-credit-record-and-got-7000/
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CCJ Satisfied ...Car Finance ?
Hi Guys, I'm potentially looking to go for a new car and i currently have a satisfied CCJ. (Aprox 2 years left till cleared) I also have credit card no overdrafts and a overall good credit rating. Would i be likely to be accepted for finance at a main dealer ? I was wondering if any one might have had a similar…
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Will paying my O2 bill on my credit card affect my credit score?
I know the number doesn't mean anything, but I recently started an O2 contract and this is my first contract. But I've made my second payment now on my Barclaycard Freedom rewards card just to contribute to my points really. But I've been wondering if this is a bad thing to do, paying credit as such with credit?
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What is the criteria for the Halifax Clarity card?
My grandad got this card early this year to use abroad at no extra cost as he used his M&S credit card for a hotel upgrade one time and was charged a fortune in fees. I found this to be a good idea as I knew I would be travelling a lot this summer, and so I applied for one myself but wasn't accepted, though I was 19 (20…
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Help! Why is my credit score so poor?
Hi all, I'm hoping for some advice...I have just collected my credit score for the 1st time, and am shocked to find out that it's 350. I have a £1200 overdraft which I have breached by about £5 on two occasions, but apart from this, have no credit cards, store cards, loans etc. I have also been late to pay gas bills on two…
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Incorrect default part 2
Hi all, I am wanting to know how best to proceed with this issue. I have a debt that defaulted twice (as you will already know). I have just got my current credit report from Equifax and this debt is still showing, despite the original debt defaulting over 6 years ago, and Northern Rock agreeing that it should not have…
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late payments been removed not our fault.
Was in the process of applying for a mortgage and found my wife had 5 missed payments (no default) from id mobile which the account was closed in feb the charge came on in may. Spoke with id mobile and they admitted its there fault and closed the account. We are now tryinh to get it removed from her account. Id have said…
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court date timeout
on another thread , private parking ticket dating back to 2012 , this is before legislation in 2012 (POFa) at what point do you START the 6 yr clock ? is from the date you recieve a invoice , or 28 days later if they offer that the laws after POFa are clear cut and there is now a regulated time gap between the incident and…
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CCJ - Getting it settled
Good Evening All, I received a CCJ back in 2012, unfortunately I had moved and only became aware of it when applying for a mortgage. I subsequently got hold of the the claim information and arranged to make a payment to ultimately clear the CCJ. I had email confirmation that monies were received along with a commitment to…
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Overdraft facility declined
We are retired pensioners. My wife has a debit card for our joint current account but has used it only very rarely. I have a credit card for the account but she does not. She also had a debit but no credit card for own current account with another bank where her balance was usually only a few hundred pounds. Her branch at…
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Financial Association
I remember some time back seeing that my ex-husband was still associated with me via my Noddle report so I filled in their form to disassociate myself and it went through fine. I've only realised today that he's also linked to me on Equifax after signing up to Clearscore. I've filled out their form and hopefully they will…
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CCJ no longer pursued but...
Hi, hoping someone can help please.. I moved house over two years ago and it wasn't until earlier this year I received a redirected letter addressed to my old address saying that a CCJ I knew nothing about was "no longer being pursued".. upon looking at my credit file I realised it was for a parking fine from over three…
