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CCJ - Set aside?
Basically I’ve just recently checked my credit score and it turns out I now have a CCJ (in the last month or two). The thing is it was my partner that took that debt out in my name and told me he would pay it, he hasn’t done and I now have a CCJ. Letters were sent to the address but he picked some of them up and never gave…
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JD Williams/Jacamo - Incorrect/False Late Payment
Hello, I've never actually posted on here, nor even looked at the website, except to use MSE Credit Club before so this is all new to me. I'm having trouble with a company and a false credit entry by them, Company: JD Williams/Jacamo Problem: Unfair/incorrect/false recording of late payment on Experian(possibly more credit…
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Precise seeing one debt as two defaults
First post on here so any help is appreciated. I entered a debt management plan 2 years ago, and have been making regular payments ever since. We need to move house so are trying to apply for a mortgage with Precise. Their criteria states no more than 5 defaults registered in the last two years. I have 5 accounts with…
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To buy on finance or not?
Bit of a catchall question here, so I'll try and be concise. * My wife and I are looking at applying for a mortgage next year (probably May/June time) * Currently all our bills go out of our joint account, which we both put a chunk of money into each month. With the exception of the tenancy agreement and the waterbill,…
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Another CCJ question
Hello all, I have tried to search but I keep getting conflicting answers... So today I received my updated credit report (17/7/2018) and there is a CCJ on it for around £400. It says CCJ judgment date is from 10/7/2018 (seven days ago) - the paperwork has seemingly gone to parents address. My question is do I get 30 days…
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Voluntary Termination; Help!
Hello, I have three months left to pay on my PCP. I am taking out a new contract next week with a vehicle leasing company. So I want to terminate with my current dealer. I have paid over 60% of my contract so understand from reading other theads I am eligible to take a VT? What do I need to do/say to my current car dealer?…
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unknown debt paid by who??
Hi I'll keep this as short as possible yesterday i got a phone call from cabot financial, they refer to a RBS credit card debt from back that they say originally defaulted back in 2006, i said i know nothing about the debt and have been in very good financial standing for many years with the RBS until recently when i…
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Help to buy scheme
Hi all Does the above scheme credit check you? I know the mortgage company would but do these also?? Thanks
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CCJ but i cant find a debtor or Owner of debt
Hi all Long story short a couple of years ago i got a CCJ from bryan carter solicitors for a capital one credit card, So trying to clean up my act I want to get a CCJ satisfied on my credit report its basically the last thing left it is a captial one credit card debt its no longer on there as i paid it off i tried to get…
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financial association
Hi, I've removed my wife from all 3 credit reference agencies as her adverse credit history was stopping me get a mortgage. All 3 CRA's have confirmed the removal, my question is does my wife have to also write to the CRA's to get me removed from her financial associations? Searches keep appearing on my credit history…
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How long will credit report take to update after paying off loan?
Hi there, I have a good credit report which is in the V.Good sector using the MSE Credit Club. I have no debt on credit cards and do not have a mortgage. I had a car on PCP with a settlement figure of £34k and have been happily paying the repayments every month and enjoying the car. As the car was on PCP my affordability…
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credit report and defaults
hi, i currently have a Barclays card that's being paid via Robinson way on a payment plan. I've not missed a payment but on my credit file under the robinson way account each month it gets marked as a default but the balance owing is shown to be reducing each month,is it correct that robinson way should be recording a…
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Credit report is wrong
Hi, Am after some advice...my credit report is wrong from about 5 yrs ago. The company concerned have said it is wrong and will amend it...this was in June and it's still not been changed. I keep ringing up and am being made to feel like I'm being a pain but they still haven't done it! What else can I do?
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Outstanding balance but settlement made
Hi All, I have an account listed on my Credit Report that states it has an outstanding balance of over £6k. This is from a credit card I had which I then couldn't pay due to redundancy while on maternity leave. I did eventually make a settlement of £3500 which HSBC accepted (thanks to my sister) and I paid in order to…
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HELP - CCJ on credit report from fraud
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Credit report published online by estate agent
Hi Everyone, Looking for advice here, we recently listed out property with an estate agent (will not mention their name for now) When they published our property on right move they accidentally published my partners credit report instead of the EPC so when people clicked on that it brought up her full credit report.…
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PCP Voluntary Termination
Hi I am new to these forums but I am hoping for a little help with a VT that I have completed well over 50% of the total agreement (only one payment left plus the balloon payment if you opt to keep the car). I opted for VT as the as I was going to be left with negative equity as the car had been valued at less than the…
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Credit utilization between 1% and 30%
Watching my Equifax, I have been able to acheieve a decent credit rating up from low 600s a couple of years ago. Goal would be to get close to 800 in order to get the family a viable low-interest mortgage (mid-700s now). I had a few questions that I'm hoping folks will be able to share their insight. Question A) I have…
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Loqbox
Has anyone got any experience of using this site? Apparently they brag about improving your credit score by saving £20 a month? https://www.loqbox.co.uk
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Soft and hard searches
Hi everyone, Just wondered what lenders could actually see on your credit report when they do a soft search? Applying for a mortgage and just wanted to see what they saw different was between a soft search and a hard search. Thanks! :j
