-
February and March missed payments on Barclaycard
Hi all hope you can help? I have just checked my Barclaycard app and I have missed 2 payments of a credit card I thought I'd played off. The sum is £6. I usually setup direct debit for everything. However, not for this for some reason. I have phoned Barclay card and late payments have been reported to credit score…
-
Undated default notice
Please can someone help? I recently received a default notice from virgin media. it says I need to pay within 14 days, but the default notice was not dated. Is this a breach of the Consumer Credit Act? Does this invalidate the default notice? Thanks in advance
-
CCJ set aside - is this statute barred?
Hello, Last week my husband and i successfully had a ccj set aside (issued by cabot/mortimer clarke). The judge has now asked for the defence to have it completely removed from our credit file. We are looking towards a statute barred defence but we are a little confused. Apparently the original ccj was issued back in 2015…
-
Experian fraud flag (but its me)
I just checked my experian credit file and a credit card has been flagged as potential fraud! Funny thing is it was me who applied for it, however i didn't realise until i recieved the card that i had accidentally applied in my maiden name instead my married name and the card was never used. Is there anything i can do to…
-
Can a company still report after 6 years?
Hi, on my credit file, one of my debts is approximately 7 years old. It has been acknowledged and is currently being paid off with an arrangement to pay and is still currently ongoing. I have been told that if a debt becomes 6 years old, paid off or not paid off then it can no longer be reported on your file? Do they…
-
Payday loans at a relatively young age
I've used payday loans twice in the past two years, both times paid off early and in full. I'm currently at uni and at a stage in life where my credit score doesn't affect me yet, but in the future will my use of paypay loans affect my credit score badly? For example will they take into account that I was young and at uni?
-
GDPR anyone?
Hello all, I have never been comfortable with credit reference agencies sharing my personal data amongst themselves and in the case of Experian, selling it on (and subsequently having it put at risk through being hacked). I am wondering whether the upcoming GDPR regulations in May might curtail these practices - the fines…
-
Late Payment Marker from Premium Credit
Hi I made a late payment on my Premium Credit account (insurance but on Equifax show as a loan). The payment was due on 30th December 2017 but I didn't have sufficient funds when the DD was collected. As I was out of the country at the time I didn't realise the payment hadn't gone but paid as soon as I opened the letter…
-
Recurring Default on credit file for 5 years.
Hi there, T Mobile billed me for roughly £200 back in 2012, which I disputed and never paid. I left them for a different provider and my account with them has remained in default ever since. I tried to settle the debt with them last year, but as T Mobile have now become EE they didn't know anything about my dispute and it…
-
Credit Rating for buying a house
Hi, My partner and I are going to looking to buy a house towards the end of 2018 (September-ish), however, I just had a quick question on how my credit rating/chances of getting a mortgage may be affected by me potentially getting a new job. To give you some context around why I am concerned.... My partner is a teacher and…
-
Default date wrong-please help
Hi everyone, first ever post. Unfortunately I had to get IVA in March 2012. This started on 2-3-12.This in now over 6 yrs and I successfully completed IVA in JAN 15. I have one creditor that has put the date of July 2012 as my default date none of the others have. I have spoken to them, emailed got CRA to raise the issue…
-
Late start building credit rating
My newhew, about 40ish has never had a credit card, bank loan, or things like that. It wouldn’t be to much to say when he had money it was easy come easy go. The only credit thing I think he’s ever had is his mobile contract. Everything is cash He’s now been given the oppertunity to set up his own handyman operation. He’s…
-
Defaulted account cleared-what should experian
...show Hi my girlfriend had two defaulted accounts for years which she didnt make payments to. We set up a payment plan and cleared one 6 months ago and one a few months ago. I just want to check what is showing on the accounts now is correct. This is copied from her experian report through the credit club Account1…
-
Help with credit file needed
Hi all, hope you are all well. Im in a bit of a pickle at the moment, as i cannot understand whats going on with my credit file and hoping someone can point out the answer and help me out please? Approximately for 2 years now I have been paying 2 companies back with an ''arrangement to pay'' which has been agreed, payments…
-
Better credit at Old Address - Need Help!
My brother has an issue where his credit rating is abysmal at his new address, his old/parents address is fine. Before you all scream "Check his report", here is what we have tried so far and what his problems are: 1. Checking his report, he has a default on there (not his fault, his ex-partner took out Virgin at their…
-
Do Skipton still use Call Credit?
Hi could anybody tell me if Skipton building society still solely use call credit for mortgage checks or has it changed now? Thanks.
-
New credit has lowered my credit score
Hello all I have recently taken out car finance (of around £25,000) - I previously had car finance of around £7000. Other than that I have no long-term debt and my only other short term debt amounts to £1,000. Before I took out the car finance I had a "good" credit score, and now after taking out the finance it has dropped…
-
Removing a default from my Credit file
Hello, I opened a store card in 2010, made a few purchases on it but paid it off. I then misplaced the card and moved house and never thought to close the account. I have now been slapped with a default because interest has been added each month due to there still being 66p outstanding. My issue is that the card only shows…
-
Improving credit rating!
Hi I’m new here and hoping for some advice! I’m hoping to sort out my credit rating which is currently quite poor! I’ve been looking at what’s on my file online, I have quite a few items on my file that are due to come off within the next few months. Does this mean they will actually be gone and not appear in any future…
-
HMRC debt referral
Hi all Could really use a bit of advice if anyone can help and thanks in advance! Basically did not cancel my receipt of child benefits (from my child born in 2010) after the rules changed (my partner is over the earnings threshold for receiving this benefit) and so HMRC contacted him to pay it back. They said we had to…
