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Overdraft withdrawn, credit file implications
Hi can somebody advise me on the implications on my credit score of bad overdraft management? I've been over my overdraft limit three times in the last four months and my bank have reduced my overdraft by £1100 and given me a few weeks to pay the money in to sort it out. I spoke to them about reducing this amount in three…
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Default entry not removed from credit file after debt sold on
Back in 2013 I defaulted on a Co-operative credit card. The outstanding debt was sold on to LINK Financial in 2014. However, the co-op reference remained on my credit file and I have only just realised. I complained to co-op and they have apologised, removed the reference and handed me £75 by way of an apology. They also…
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Vodafone Defaulted Payment
Hi, I am trying to get a mortgage and despite having a perfect credit score the application was rejected by Barclays. There is a defaulted payment of £16 from Vodafone last year on a contract I had with them. I have contacted Vodafone who said they sold the debt, so I got in touch with the collections agency who say they…
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o2 default notice - payment 10 days late
Hi, I took out an o2 contract on the 13th of February this year. Since then o2 has taken out two payments successfully via direct debit. On the 27th of April one payment has unfortunately been missed since I didn't have enough money in the account to cover the direct debit. Without any further communication from them I…
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Court Claim Advice
I have been passed some post sent to my dad's address and opened it to find a Court Claim letter. It is for a Shop Direct account dated December 2009 and assigned to the claimant in January 2011. I do recall having a catalogue account in 2009 which my partner at the time maxed out and never paid off like he promised and I…
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Improved Status, Worse Score
Hi I have been building my credit score up from a really low point over the last two years. A CCJ has been removed and my credit card utilisation is now 5%. I have not had a serious missed payment for 2 years. I got my score to a Good rating from Very Poor. I recently had my bank offer me an £50 overdraft to avoid any fees…
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Cifas - Every day account
My only account has been closed, I have contacted with my bank and Cifas for details. It was 3 weeks ago now that I've been waiting for response. All my applications for a new account at any bank is refused. The Citizens Advice Bureau suggested to open an account at the Post Office. It is refused as well. Is it any place…
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MSE Credit Club Registration Issues
Hi Folks ! I've got an ongoing issue with my MSE Credit Club registration failing Experian's verification process, and despite having checked all of my details on my Experian account, and they're all correct, I'm still having trouble. I contacted Experian, and they say : "Experian do process authentication checks on behalf…
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Closing Long standing Bank account
Ive applied and been accepted for the M&S bank account (with gift) but part of the deal is your old account is closed as its a full switch deal. If done manually you get to keep open old account but don't get the switching gift. Question is the account i'm switching ive had around 8 years (Natwest basic account..never had…
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written off loan
Can anyone advise me how to find out if an ongoing, long term loan has been written off?I've just called the debt collection company to find out an early settlement figure and they say they don't have a record of my account on their system? Not sure where my payments are going to then.
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What happens to a default when company refund and credit account?
Hi all, I'm new here and I need some advice. I had a contract with O2 that I ended early due to very poor network service. I was advised in store to return the devices and put my request in writing. Having done this, I heard nothing and O2 ended up sending my account to a debt recovery company which resulted in a default.…
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Remove Arrears from Credit File
Hello, We bought a dishwasher for £400 from Comet around 2014, now we had a 1 year no payment deal or something like that. Anyway in that time as some may remember Comet went bust, now we weren't informed of who we needed to make the payments too and had no requests for a monthly payment agreement. Nor did we know who to…
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6 years...
I went bankrupt on 19th May 2011 and I thought that it would go off my record on the 19th May 2017. I've just signed up to this MSE Credit Club thing and I've got a score of 999 and there is no sign of bankruptcy. I assume from this that things go off your file 6 years after but in that month, and not the exact date as I…
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Credit Score impact
Hi, If I applied for buy to let re-mortgage for a 60% LTV product, and property survey results in a lower valuation, hence not able to qualify for this product. Does this result in a a rejection and impact on my credit rating/score? Please reply. Many thanks in advance for your response. Kind regards,
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Two settled Wonga loans on my credit file from 2013
Hi, First post here so sorry if this is the wrong place but I'm feeling really worried. So I've been getting my free monthly credit reports from Noddle, and after having a bit more of a dig around on one this morning, there are two settled Wonga loans linked to me from 2013. I've never taken out a payday loan so I've no…
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Electoral Register
Hi, Sorry if this is the wrong place to post this, I couldn't seem to find a suitable forum. I move house on May 19th. Do I have to wait until the day I move before being able to change the Electoral Register with my new details, or can I do them in advance? Thanks.
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Credit Reports and Minors
Quick question if anyone knows the answer. On my credit report I have an address listed I lived at as a minor where I had nothing associated with that address. Can I dispute it despite the fact that I did live there? My parents lived there at the same time, if they had bad credit would it impact my score?
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Why is my MSE Credit Club Score Different to Experian?
Hi, I just signed up to the MSE Credit Club to see what my affordability is like as it uses Experian as a source for checking. I also am i member of Exprian and noted that the MSE Club score is different to the one given by Experian. Experian website score is higher by 43 points. Is there a reason for this?!?
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Fraud???
All can anyone provide an answer for me? I got a quote through Friday from the aa for a Mercedes Benz slk 280convertible which I don't have. Rang the aa who said I had done an online quote this time last year. I said I hadn't as although most details were right my marital status was wrong. I then checked the big 3 credit…
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Statutory £2 Report
I have a question about ordering my £2 statutory credit reports from Experian, Equifax and CallCredit. Whilst I can get immediate online access from Equifax and CallCredit, I have to wait for a PIN to arrive in the post for my Experian report. Is there any way of getting my £2 Experian report any quicker than a minimum of…
