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I'm registered on the electoral role but still negative on my credit report
Hi, I've never had a credit card, loan, mortgage etc. There is nothing that directly goes against me on my credit rating except the electrol role mainly but my credit rating is still poor and I can't get nothing to improve it, like I can't even get a phone contract. I am registered on the electrol role however I'm a…
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Financial connection
Hello guys, we tried for a mortgage couple months ago but needed more deposit then we thought so will be trying again in a month or two when I have enough deposit Tried for a joint mortgage first but we needed a higher deposit as she had some late payments she didnt tell me about so tried it under just mine name and got a…
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Bogus Bailiffs?
Apologies if this is the wrong category to post this in, feel free to move the post if it is. Something strange and troubling happened to me last week. I do have a few small debts, I owe money to about 4 companies - total debt is around £1,000 spread across the 4 companies. I have arrangements in place with them all and…
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How do I register my name on Electoral roll ? But....
I live with one of my relatives but she doesn't want my name to be registered at her address and on electoral roll . I don't pay any rent to her but want to register with electoral roll for my credit rating . What are other options . Any other way to be on electoral roll but continue staying at my current address .
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O2 Defaults?
Hi all, I wondered if anyone had any experience or success in getting a default removed by O2. From what I've read, it seems to be super difficult..Just wonderefd if anyone had any tips when it comes to dealing with them or if anyone had any success? Thanks!
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Advice from my bank manager has lowered my credit score
Hi, I'm trying to get my credit score healthy in preparation for taking out a loan or mortgage. My score with Experian is 999, and my score with ClearScore (which uses Equifax data) was 494 out of 700, and I wanted to try and improve this. I had a meeting with my bank manager asking for his professional advice on what…
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Do I have a CCJ?
Asking on behalf of my brother - he received a parking ticket from a local authority a year or so ago, but it went to the wrong address (as the log book wasn't updated on the car when he moved). As a result, over time it has gone to the courts, and now to a DCA. First he heard of it was when a debt collect agency emailed…
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Warning RE: DD payment becoming a loan repayment
For many years I have paid my house insurance by direct debit to Cornhill. When I got my renewal notice I noted the premium had marginally increased - so decided to stick with them. However, it turns out that Cornhill no longer want to take monthly DD payments...but now require customers to enter into a loan agreement with…
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Unsure what to do?
My credit score is poor - average but one consistent negative was that my cc available credit was low. It was low as it was a capital one card for poor credit. I closed it. Now the issue seems to be because I don't have a credit card at all! If I apply for another card I'm guessing that will appear as a negative because 1…
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Who can issue defaults?
Who can issue a default on your credit file? Is it the data controller/debt purchaser!? I have received no default notice and no warning letter prior to the issue being slapped on my credit file.
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Defaults added due to Serious Stroke
Hi All I am hoping that someone may be able to advise the next steps I could take in regards to 2 defaults on my credit file, A brief history, Up to the end of 2012 all my accounts were up to date and I had no problem obtaining credit, in December of that year I suffered a serious stroke and was hospitalised for a…
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Ford PCP Voluntary Temination and Credit File
Hi All, Long time ghoster, first time poster. I have a bit of query regarding the termination of a Ford PCP Hire Purchase credit agreement. I bought a car in November 15 on a 3 year deal due to needing a diesel for the mileage I was doing. In March this year I changed jobs to somewhere more local and needed to switch so I…
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Shared ownership sale
Hello. I have few questions regarding shared ownership sale. My husband and I decided to separate. We have a shared ownership house 50/50. I can't afford mortgage on my own so need to look into renting. How long does the whole process of selling takes? We had it valued by estate agent 2 months' ago and there is a waiting…
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please help
I have debts (unsecured own name) but my husband is setting up a limited company. I will be a £1 shareholder not a director or anything - will the new company show up in a credit search?
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Advice for removing a British gas default
Hi everyone A quick story about my situation, I'm after some advice on removing a default from British gas. I changed my gas supplier from British gas in March 2016 and received my final gas bill from them for £377. In April my dad was diagnosed with cancer so in the midst of everything else going on, I'd forgotten about…
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Mistake from Santander has made my account default
Hi, On Tuesday of last week, I contacted Santander due to my inability to access my account to transfer money out of it. On contacting them, i was told my account had been closed due to a 'conversation i had had with them in November 2016'. According to them, the conversation that had taken place was along the lines of, 'I…
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Entire Mortgage History
Hi There I'm wanting my entire mortgage history from 2000 (mortgage company and years I was with them) as I've shredded all paperwork and have since moved house but my credit report only goes back so many years Can anyone advise me how I can get this information please? Many thanks
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Need help
Hi just looking a bit of advice.About 4 years ago I did work I never got paid for (£20 grand). By rights I was technically now bankrupt but morally I didn't want to let suppliers take a loss. So after many sleepless nights and panic attacks, I got everyone paid off. But i was left with a couple of defaults on credit cards.…
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credit report
[/FONTTo Hi all I have decided I need to look into PPI. I have registered with credit club and it tells me to do credit check etc but needs to verify my identity. It asks several questions about lenders etc but the final question asks what bank I am with and I don't bank with any of them! Therefore It is not able to verify…
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Drydensfairfax Solicitors Default
I have a credit card debt which was bought by Max Recovery Limited back in late 2012. At the time, I was under an IVA which started on the 1st June 2012. Sometime in 2016, I had started receiving letters from Drysdenfairfax Solicitors acting on behalf of their client, Max Recovery. I had asked repeatedly for evidence of…
