-
Debt Collection Agencies
I am arranging payment plans with my creditors. A couple of them have said they can no longer take payment for the debt and I must contact a company they have employed to do this for them (for example, Advantis, Transcom). Am I right to contact these guys and arrange payment with them directly? I ask because I've read that…
-
Acknowledging service 28 days
Hello I have received a claim from Gladstones solicitors for the £241.00 I am trying to do the first step by extending to 28 days to prepare defence. I went on to MCOL and ticked the appropriate boxes. What do I have to put in defence box. Isn't the extension of 28 days to prepare a defence if not what do i put in the…
-
Defaults and dropping off Credit Report
Hi, Quick question on defaults. I have a few back from 2012 when I got into a mess and had to enter a DMP. Looking through my credit report, The loans in question state 'Account opened' June 2012, and then shortly after shows defaults every month until I finally paid them off in 2015. Question is, will these drop off from…
-
Experian background checks
Hi OK so I managed to respond to a job advertisement without it displaying background checks would be required, managed to fill in an application form with no mention, managed to attend a job interview without it being mentioned, got a verbal offer without it being mentioned and have now seen that dreaded just as a single…
-
Small claims court jargon
I wonder if anyone can help me please. I currently have a money claim and on my online account it reads (below) You submitted a claim on 29/05/2017 at 15:27:40 Your claim was issued on 30/05/2017 A bar was put in place for Mrs ******** on 15/06/2017 Mrs*********** filed a defence on 15/06/2017 DQ sent to Mrs ******** on…
-
'Pay for Delete'
I have read that you can make an offer to pay a creditor on the basis they remove the account from your credit report within a certain amount of time of you paying off the debt. Ultimately the page I've read says this is a request and they certainly aren't obliged to, but it does work in some circumstances. This sounds too…
-
How quickly can credit score improve
Hi all So I had stacked up a lot of loans and credit cards over the past few years. I have finally paid off a substantial amount last month and closed down most of them. As a result I was expecting my credit score this month to move from 'fair' to hopefully 'good.' However the credit score only moved up slightly with my…
-
End of CCJ
Hi Everyone, I have a satisfied CCJ which will no longer be on my file after April 2018. I have seen a lot of posts saying that my credit score will be better after that but should I be expecting a sudden jump of, say 100 on the Experian score, or will it mean that it is easier to get a gradual rise? I'm looking at…
-
Capitail one searches
I've had Capital one run a credit search Four times in less than three weeks,last one being today. Credit card isn't used and has a zero balance...i will add that they sent a replacement card out of the blue,other has not expired (has another 18 months to run). Phoned them today and asked was it the Luma card (never had a…
-
MSE Credit Club - Issue
Does anyone know how to cancel the credit club membership? - I can't get verified, knowing full well my details are spot on! - but I keep getting these MSE Credit club emails and for the life of me can't see any opt outs! Any help appreciated.
-
Credit score and mortgage affected by fraud
Removed personal information
-
Motormile Default
Hi All, Long time reader, first time poster. I have just logged on to my credit file and noticed something strange. I have a default for a payday loan i took out when i was a student, it was stupid and I completely forgot to pay it back - I never heard anything from them about it until about 8 months ago when i first…
-
When is a disputed amount a "debt"?
I had a phone, TV and broadband package with Virgin. When I moved house they told me I owed them £170 as a leaving fee. I disputed the fee. I don't agree with their interpretation of the contract. Instead of instructing debt collectors or starting Court proceedings Virgin have contacted the credit reference agencies and my…
-
Is more credit good or bad?
I have a pretty bad credit history. Between 2013 and 2014 I managed to gain a couple of defaults on my accounts that I could no longer afford to pay. I am now paying off everything I owe but have obviously been left with defaults on my account. I have made all payments on time in the last two years and have a decent…
-
Settling DMP and affect of defaults
Need a bit of advice - I have a debt management plan from June 2010 the remaining balance is just over 4K. I have been very luckily offered a loan from a relative to clear this in order to rebuilt my credit rating with a view to getting a mortgage in the future. I will still be making the loan repayments but the main…
-
Credit card with no set spending limit 0%
-
VERY...very very angry.
If anyone uses the VERY catalogue then beware it could affect your credit rating. So today I'm informed my wife's credit report has dropped substantially:shocked:.. Confused I dug a little deeper, it turns out my wife had no direct debit set up on her account, and although she has made numerous payments off any outstanding…
-
Trouble with seeing consistent credit account information across the main CRAs
I am currently making a big push to get my credit file in as good an order as possible before applying for a mortgage towards the end of the year. As such, I have joined practically every credit rating agency there is (Experian and Equifax free trials, Noddle, Martins Credit Club and Clear Score). I am now fairly familiar…
-
Using the Credit Ladder when I am also a home owner
Hi, I’ve been doing a lot of research on finding ways to improve my credit record and I read an article on MSE about the Credit Ladder, which enables you to have your private rent payments recorded and added to your Experian file. I rent my primary residence but I am also a home owner with a residential mortgage, which…
-
Accounts / Credit report help
Been resolved
