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Setting Aside Satisfied Default CCJ
Hi MSE forum members, [Resolved - removed for privacy reasons]
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Halifax keep re-registering default against my name
So long story short, I closed my Halifax account in Dec 2017, a direct debit came out (which I wasn't aware of) and I went -£117 (which I wasn't aware of). They sent a letter saying about this, so I called and said I paid the direct debit on my new bank so this shouldn't have happened, she said she'd investigate it bla…
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3 Hutchinson marked accounts as settled
Hi, I recently noticed on my credit account that 3 had marked a closed account as settled, I never missed a payment, owed any money or closed the account t early. I had another account with them that I closed last month, again, never missed a payment, owed no money or closed the account early (I left it running paying it…
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Arrangement to pay marker
Hi All, First post here so please be gentle :) A few months back I came home from being on holiday to find a letter from Nationwide Building society stating that they wished to reduce my overdraft on my current account from £1500 to £1000 inline with there responsible lending practices etc. Which would have been fine, had…
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MSE Credit Club/Barclaycard Credit Score
Hi all I know it’s a meaningless score, but I do use it to gauge how I’m doing financially. But anyway, I checked my MSE credit club score today and compared with Barclaycard and there is approx 300 difference. Admittedly the B’card one was last updated in June, but 300 points seems like a big jump don’t you think?
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How do I get accounts removed from credit report
Recently I discovered that there are accounts attached to my credit report that don’t belong to me! Around four years ago somebody used my details to open accounts and credit in my name! I reported the incident to the police and action fraud at the time but these accounts are still on my report! I’ve raised a dispute with…
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Intercontinental Hotel Group???
Hello, I have a new entry on my experian credit file for insurance from 'Intercontinental Hotel Group' I queried the entry as I don't know them and they have replied to say it is for my car insurance. The date is right and the amount is about right but my insurance is with Liverpool and Victoria. Does anyone know if there…
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CCJ and now default
I had a ccj from Lowell which I paid within the 1 month and it had been removed, Lowell have now registered a default for same amount but now saying satisfied. Can they do that. I never had a default before this just went straight ccj.
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Why has my score reduced
Hi Guys My score has reduced twice in the last week down by 7 then 14 for below reason One or more of your settled non-mail order credit accounts has been removed from your credit report. This has had a negative effect on your Experian Credit Score. Any ideas on how to reverse the drop in score, Ive also got two credit…
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Multiple Enquiry Searches
Since my failed attempt at purchasing another car via PCP-failed credit check. I've had one or two Lender standard reject letters advising me to check via Equifax etc. What I'de like to know is does 2or3 enquiry type searches hinder my cra reports. Thanks P.s. I'm continueing with current car -almost 2 yrs into hp.
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Equifax Phonecall...
Hi there everyone! I want to check this with you guys because this seems really dodgy to me. I was setting up an online account on Equifax to view my credit file and after filling out all my info, it didn't take me to the page where you answer security questions about your credit history...instead it took me to a page…
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Almost-empty Equifax report
So I finally got around to looking at my Equifax report and there's almost nothing in it. :huh: All it has is: - My current address (from March this year) - My childhood home (from 1998 when I must have first started voting until 2007 when I must have put myself on the electoral register somewhere else finally) Both of…
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Employee check
I recently applied for a job with dpd and just noticed on my credit file there is a search by them and it says "employee check" What i wanted to know is this a full credit search? Thanks
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20 year old - 1/5 credit
Hello. It hurts me to be writing a post in help like this but I need help. My credit is 400 something and I'm only 20. I'm in ~£1000 debt which accumulated from missing one payment, not being able to afford late fees + payment and then it all snowballed. I don't know what to do at all, never taught any of this in school…
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Cancelled CCJ - removal from credit report
Hi, Looking for some advice. I found out I had a CCJ registered against me at an old address I never got any notification as all the documents went to the old address and it was only when applying for a mortgage that I actually got told by a broker there was potentially something adverse that I needed to look into. I…
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Capital one check it
Has anyone used this - apparently it doesn't show on your file. A bit scared to try it out
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Credit file and PPI claims
I have just begun the process of submitting claims to lenders for mis-sold PPI, but I am worried about the consequences in relation to debts I have on the products in question. I have checked my credit file with Experian and the credit agreements I am claiming PPI for are all in default and their current status is…
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Jacamo account
A few years ago a friend said I could open a Jacamo account in her name and address for me to use so now years down the line we have fallen out. She has reported it as fraud. I had all the stuff sent to my address as I was added as an extra on her account but all correspondence is and has been sent to her address I have…
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CRAs not updated when credit card paid off and closed
In April this year I paid off and closed my TSB credit card, but all three of the CRAs still show the account as open with a large balance. Looking at the payment history of the card via the credit reports, there are no updates to the balance or payment histories since April, so TSB's systems must know that the account is…
