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Advice re address change
We sold our house and moved out 3 weeks ago. Originally we were going to move in with parents until we found somewhere to buy. 2 weeks before we moved out, a bungalow owned by hubbies family went on the market for sale (it was tenanted and they moved out so it became empty) family suggested we move in rather than it being…
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Existing debt
Simple question.......can existing debt, mortgage, car finance, mobile phone etc accelerate the recovery of a damaged credit score?
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Default
Hi all. Looking for some advice regarding a default notice from a credit card. Basically, the card was cut up and no longer used with a balance of around £3k on it. A monthly payment in excess of the minimum payment was set up and made monthly. During a change in employment and payment terms/dates. A direct debit was…
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Credit score and dmp
Hi, my credit score with experien is now 608 after being 99 in Jan 17. I have noticed that i have 5 defaults 2 years ago and they all say settled. Is this because i pay them every month with Stepchange? seems odd they say settled when they aren't. I am made up my score went up 108 points this month. I am hoping to get this…
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No credit rating
I moved out about a year and a half ago, and at the time I looked into my credit rating, only to find it was empty (noodle.com). I tried getting one of those credit building cards ( I think it was Barkley card) but was declined, and as I didn't want to go around getting declined and negatively impacting my credit score, I…
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Credit File and impacts
Hi all I'm brand new today, tried searching for my answer but didn't get anything back... I've been checking my credit file for the last year or so religiously as I want a new car before any equity in my current is no more. Anyway, when I was younger I did that thing of accepting every credit ever thrown at me, spent it…
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Credit File for mortgage prep
Hi New to this site Looking for some help.... My hubby and I are thinking of getting a mortgage next year We have had adverse credit in the past. Im wondering what things affect your credit files and what things can I change to make it better Im under the impression that the actual score doesnt count? We just want to make…
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Barclaycard Partially Settled
Hi, please can someone advise us? We have arranaged some full and final payments through StepChange two months ago. Barclaycard accepted but have left the account open showing £198 outstanding debt, which is the amount left after they have deducted the settlement figure on our credit file. When my husband rang this morning…
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Noodle and default
Hello, I wonder if you can help me please. I have a default from Moore gate from July 2011, I then settled the account in April 2013. However the default is still showing on my noodle account which was gained six years ago. On noodle it's states all my payments up until April 2013 were defaulted. I was under the impression…
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Want to take someone to court
I am owed money by a sole trader and was going down the county court route but have been told he does not reside at the address I have and don't know where he lives - am I wasting my time pursuing this
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What would you do in this situation?
I've received a lot of help here recently, so thank you to everyone. I have a couple of debts I'm not sure what to do with. - Yorkshire Water (defaulted, £234) - TalkTalk (£272 Defaulted but closed (not sure what that means) YorkshireWater don't seem to be chasing me. Are they likely to CCJ me? TalkTalk debt is listed as…
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What would you do?
Hi All, I have an overdraft with RBS - I am currently £1400 in to the overdraft. I have a credit card with Aqua - credit limit is £1250 and I owe £1150. I have got a bonus of £1500 - which one would you pay off? Thanks for any advice and if you need to ask more questions please do ask :)
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Closed Account
I have an account which is showing as 'Closed' on my credit file. It's from TalkTalk and states Closed 24 May 2016 (balance £272). It Defaulted in May 2016. I have other accounts in debt but these are open. What does 'Closed mean'?
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Desperate for help - unfair default notice
Dear all, I would appreciate your help on a matter. 5 years ago I had a default notice issued on my name by Lowell financial for a an outstanding debt they purchased from Orange of £29. I took out a mobile phone contract with Orange and changed ownership of the account to a friends name a few months later after taking it…
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Asking (nicely) for a default removal
Hi all, In Jan 2013 I had a Halifax account that went into Default of around £800. I had visited the branch in 2012, paid the balance of an overdraft and asked for the account to be closed. It turns out there were outstanding overdraft fees on the account, which continued to rack up (unbeknownst to me). I moved away and…
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Reclaim fees
Hi - this is the first time I have ever posted on a forum so please bear with me... thanks. I have found a CCJ put against me at an old address. As soon as I found it on my credit file I contacted the creditors solicitors, gave them all my new details and explained the situation. I offered to pay the balance however I…
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Credit Utilization?
Hi All, I get the fact that if you use too much of your available credit on a credit card for instance it can affect your credit rating. How does it work with a company like Very. I have an account with them and they have upped my limit to £1200 (Previously £900) If I use up to my limit but pay it back in 3-4 months will…
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Help Needed Please - Mistaken Identity
Hi, Sorry if this has been posted in the wrong place, I wasn't sure where to log it. I'm hoping for some help or advice, hopefully from someone that has been in a similar situation and managed to sort it out. This will be quite a long post, please bear with me. I recently received a letter from Merseyside magistrates…
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Incorrect Default
Hi all! Really need some help. I was contacted by a debt collecting agency asking I owe them just under £300 for a Vodafone contract I had a couple of years ago. I contacted Vodafone for them to tell me the breakdown of this cost. After being on hold for 30-40mins, I was told that there was a billing error and I do not owe…
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Toyota Contract Hire
I wonder if anyone in the forum can advise? I recently reached the end of my contract hire period on my car and traded it in for a new car with a local Toyota dealer, thereby starting a new contract hire agreement. Anyway Toyota finance apparently thought I'd decided to keep the old car and withdrew nearly £4,000 from my…
