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Identity theft by mother
I would be grateful for any advice on how to support my niece. She found out yesterday, by running a credit report on herself, that her mother has taken out numerous credit accounts in her name; some she has been regularly paying and others she has not paid for 5 months. One of the accounts is now defaulted. The total debt…
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Being on the electoral roll....
Just a quick question... Just registered for the electoral register at my new address albeit 7 months after ive moved in, I was just wondering what details can lenders see when they look at the electoral register? Can they see previous addresses? How long you’ve been registered? Just curious, Thanks in advance :j
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Talk mobile ruins my credit rating
Today I learned that talk mobile has ruined my credit rating for £7 that I owed over 12 months ago. It would appear that when I ported my number to a new supplier and left talk mobile I was to be charged £7 for rental, but because I cancelled the direct debit it could not be taken. No contact was made by talk mobile, but…
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CC to improve credit rating/score/whatever.
Evening! I have a question about credit scores/rating/whatever its called! I have joined the MSE Credit Club, and also have the Clearscore app. I thought I would 'give it a go' and applied for one of those credit builder CCs - and was accepted. With three CCJs, I thought my credit file was pretty bleak, so i wasn't really…
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Barclaycard / Egg default - SOLVED
Hi all I'm posting this in the hope it may help someone else in my situation. I spent two days trawling this forum and it was immensely helpful. Thank you. I had an egg card from 2004. In 2011 I lost my job and stupidly stopped paying. I was young and very stupid. Last payment to Egg was in November 2011. Obviously a…
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Appealing against a Marriot Timeshare CCJ
Hello Money Savings Forum, Please can you help me, or point me in the right direction of someone who can. I believe I have been unfairly treated by the Marriot Vacation Club Group and the whole process of purchasing a timeshare villa needs scrutiny. Similar to the PPI scandal, I believe I was sold this timeshare by a…
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Father runs up debt in my name
Hey guys very new round here and basically I'm here to educate myself a bit further and how best to deal with my situation. If this post is in the wrong area please mods can you put it where it's suppose to be. So lets start with the story, I live with my parents, I'm 27 now. Back in 2012 my father ordered a bunch of stuff…
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Ikea finance, how strict?
Hi. Does anyone have an idea of how strict IKEA are in giving people finance? I checked my file on clear score and my credit score is 425, which I believe is good, 2 bad things on there though, I have used over 50% of my credit card limit, and my partner, who is a financial associate, does not have great credit. Overall…
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£17 to add my main current account to my credit report. Worth it?
I'm currently trying to improve my credit worthiness, and I've been using Clearscore and Credit Club to monitor changes to my credit score and reports. In doing so, it's become clear that my main current account is not visible to credit reporting agencies. This is the account my wages are paid into and which all my bills…
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Checking credit rating from abroad/Lowell finance email
Hi everyone, So I recently got an email out of the blue from Lowell Finance asking me to get in touch because "this email address has been provided to us as a contact address for our customer and therefore we'd like to speak to you regarding a personal matter." I am confused by this because I've never been in debt with…
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Critical illness
Hi advise plz my critical illness claim has just paid out £28700 however the policy states critical illness we will pay the greater of £28700 and the value of your fund. To me this means I should also receive the value of my fund but the company say not are they correct.
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Authorised Signatory ID Check and Possible Credit Check
Hello everyone, I am working in accounts and the manager is leaving and they want to make me the current authorised signatory can make me the new authorised person to deal with the bank accounts, under the fiance Director I will put in payments and transfers which he will have to authorise everything I input. I am very…
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Best plan (for me!) when clearing cards?
Background:I have a few thousand on a number of CCs (some sub-prime, some mid range) and they also have a good amount of unused credit on them. Don't know when I last defaulted - but it would be a long time ago - not been anywhere near debt collectors, though payments have tended to be minimum amounts. Looking to the…
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Applying for a mortage
Me and my partner are going to be applying for a mortgage in the next 2 months. I just wanted some advice on what our chances are as I am a bit worried about certain aspects. First question: 1 week ago, I was pestered into getting a New Look store card. I read they have a 14 day cooling down period so I am going to ring…
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Negative reference on credit file
In 2016 the Communications Ombudsman ruled against a telecommunications provider who were refusing to close an account I had provided notice for. In August 2016 the communications provider told the Ombudsman they had removed any negative impact from my credit record and closed the account at 0 balance. In brief, they…
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Completing on an house within the week but ....
Hey everyone We are finally completing on the house we have bought this Friday. I’m sending the deposit over in the morning but we are looking st buying an sofa on zero per cent fianc! from next. Over two years. Now the things I’m worrying about is when’s the best time to go and buy the sofa are we safe to do it now or is…
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Missed call on my work number
I had a missed call from a number I didn't recognise this morning. Google tells me it was from a company called Sterling Oak Ltd in Orpington. A further Google tells me they're debt collectors. I don't have any debts. Of course, they never left a message but I'm a bit surprised that anyone has my work number as I rarely…
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Credit Club- no personal income, can't enter zero.
Hi! I'm doing a credit check on myself and have 0 personal income (im a student). But the form insists I enter an amount between 1000 and 10,000,000 for my personal income. It keeps failing to prove my identity and I'm wondering if this is the issue. Any help?
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Identity Theft affecting Credit Score
Hello I signed up for my Clear Score Credit Report a month ago - and was gutted to discover there are 2 Payday loans (one with Wageday Advance, and one with 247 Moneybox) and a bank account with an overdraft (which has been emptied) with Cash Plus. All these accounts were set up within a few days of each other, and using…
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Tesco after DRO
It's been almost 6 years since I had a DRO and my Tesco credit card was included, about £2500 in Aug 2012. They stopped adding interest in January 2013. All the other accounts that were included on the DRO were marked as Satisfied, but my Tesco account still remains open and in default and its badly affecting my credit.…
