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Credit file & ratings

Archives for September 2017

Partial settlement flag
I have just found out I have a very old debt with orange, found out because capquest sent a letter offering reduced payment to clear. I double checked by signing up to clear score and it shows on my file but doesn't appear to be a default just an ongoing account but not been with orange since 2010. The debt is £170 but…
Effect on credit file if I reject Aqua interest hike
Hi Does anyone know what effect it will have on my credit file if I reject the planned interest rate hike from Aqua? They have said if I reject it, they will close my account but it will show a balance. Will this negatively affect my credit file? And if so how? I really don't want to mark my credit file by closing it but…
Can taking out store finance or a loan boost my credit report
Hi, I am 23 and looking at applying for a mortgage in 2 years time. I've got a pretty squeaky clean credit score of 999 on Experian. I've had a credit card since I was 18 and an overdraft facility since I was 19 at 0% due to being a student. My first credit card was a capital one card at a "fantastic" rate of 25.9% and a…
How to find out what my ccj is for?
Hi, I recently signed up to noddle to check my credit rating and I was surprised to see I have a ccj on there. I want to pay it off asap but I'm really confused as to who the creditor is? I've moved address a lot in the past and never received any claim forms. When I check online it doesn't really say how you can find out…
Lowell Solicitors Filling Out My Court Forms
Hello, I didn’t know where to post this so please move if it is the wrong place. I’ve received a claim form from the court regarding an old credit card debt that is now owed by Lowell. It’s not statute barred as payments have been made to it. I called Lowell to see if we could come to an arrangement that wouldn’t result in…
Credit Club says I have a 'missed payment'
I've just looked at my latest credit club email and my report shows that I've got a 'missed payment' and that this is negatively affecting my credit rating. Now, I have a phone/broad contract, mortgage and a credit card. All of these are paid by direct debit and I've checked that they've all been leaving my account as they…
Multiple searches (over 50!) from GB GROUP-EBAY
Hi I checked out my updated Clearscore today and I noticed multiple entries for GB GROUP-EBAY starting from July going up to this month. For instance: August 37 searches And another 13 (so far) this month. Any idea what they are playing at - these come under the Quotation and personal searches field. As far as I know Ebay…
Ccj possibley due to car insurance claim please help.
Long story but here goes as worried sick. Just received a letter stating "judgement for claimant" and low and behold checked my Credit file and have a ccj. The ccj letter states its from transport of London and the only thing I can think of is the accident I had in December 2016,when my car failed to stop and I hit a…
Faulty Aga Rangemaster fridge freezer
This is a really long winded story so will try and edit to the finer detail. We bought an American style Rangemaster fridge freezer aprox 2 years ago to put in a holiday home.We registered the 2 year warranty.The building has awkward access to the kitchen as its upstairs and the staircase is tricky,as opposed to the ground…
Graduate Credit Rating
Hello, I am a recent university graduate and must apply to see my credit score for a new job. Being a student I had always listed my parent's address for my permanent address for contracts/voting/license/banking related documents as I always returned here for holiday periods/ summer and after graduation. Although during…
Cabot Financial response to Prove it
Morning everyone, apologies if this is in the wrong section. I received a letter around a month ago from Cabot Financial claiming that a credit card debt was owed. I responded to them asking for them to prove it. Today i received a response, saying the amount is still outstanding and a copy of the original credit…
British Gas
Hiii So ive just finished my IVA and im busy trying to sort my file, ive noticed that British Gas is showing on my account. This is from an old property and its showing an outstanding balance with last payment made January 2015. Since then every month is showing as a late payment. Ive had NO contact from BG and this is…
Declined for mobile contract
Hey everyone, Got quite disheartened today as I applied for plusnet 30 day sim only contract through chitterchatter but got an email saying I failed a credit check. Which came as a shock :( I earn over 30k a year, never had debt or made late payments. BUT I moved 5 month ago and I am currently renting a place. But I have…
Credit Club and Statutory Report show different information
I purchased my statutory report last week and everything came back fine with all address information looking correct etc. I signed up to credit club today and was surprised to find that the address under the electoral roll section was incorrect... not only that, it does not exist. The electoral roll address on the…
Applying for a bank account
Hi I intend to apply for a new bank account very soon, will this cause a problem for me if I then apply for a balance transfer credit card very shortly after. Will it reduce my chances are getting the credit card if the lender can see that search for bank account?
CIFAs and Renting
Hello there I have a question maybe someone will know, Do only lenders see a CIFAs flag or does a landlord will also see it when he does his checks for renting? Thank you
Experian/credit expert
I discovered something the HARD WAY about Experian/Credit Expert organisation, and I think it affects all of us (maybe in different ways, so that's open for each person to review) In March 2017, I received a notification that my email address had possibly been compromised by internet fraudsters. I contacted Experian only…
Prac/bw legal help
Hi all, I wonder if anyone can help. I've spent the last few years repairing my credit, and also through the great advice on this forum have had a few defaults removed. One that just dropped off was from Payday UK for £75, which was regaistered as a default on my credit account in June 2011. This has now dropped off.…
Checking amounts paid to payment plan
Several years back, i agreed to a payment plan with 3rd parties acting on a lenders behalf. Credit and score checking (eg Noddle) used to give status on amounts paid and outstanding but doesnt anymore. The collectors (on behalf of lenders) changed twice and a newly appointed company states total owed as higher than my…
Motormile finance
I've not been able to get credit for a long time now and couldn't understand it? I managed to get a copy of my credit report and seen this company was in default/repossesstion? I do not get this at all? When I searched on google for the company I see it's a loan company for car finance? How could this be? I only passed my…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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