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Unknown Accounts/Credit Freeze
I recently found out my partner took out credit in my name in about 6 different accounts. All now are maxed out and this dramatically impacted my credit file. I have asked my partner for the account details who refused, most like out of shame, but credit file doesn't tell who these are far and I am concerned these will…
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Mortgages on Credit Files
Hi, So just looking for a little insight from anyone really. We bought a house in June and the mortgage and electoral roll at the new address has only just shown up (so 3/4 months) on my credit report. However, hasn't shown up on my other half's just yet. Just wondered if anybody could share their experiences/timelines.…
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Improving my finances
Hi guys, Have had a couple bad years involving credit, however back on the straight and narrow trying to rebuild my credit history. My Experian score is slowly rising (I know that a credit rating means nothing) and I’ve now not missed a payment for 6 months. During which time my credit limit has increased. What more can I…
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contact after 2 years
Hi i have had a letter from arrow global and no payments have been made for 2 years. They said no extra charges have been made an it was an error not sending out statements to me. Ti be honest i though it was settled as part of my dmp? Anyone else heard of this?
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Electoral Register Visit
So I didn't post back the electoral registration form. I received reminder which I posted back last Wednesday. This was the first reminder. So I just seen on a letter posted through my door saying the Voting Registration Team called today to complete the form. What does this mean?
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Wrong default date or should it not be a default?
Hi, I have an account with Very, which I stopped paying proper payments for in summer/autumn 2014. I then went with StepChange on a Debt Management Plan and have paid through them ever since December 2014. When I first set all this up, Very assured me that as long as I stick to the arrangement, I will never get a default.…
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CCJ on credit file - can anyone help?
Hi, first of all I’m new here - another forum directed me here so if I do anything ‘wrong’ or am in the wrong place please let me know. I am 37. Sadly both my parents passed away so I own my home outright with money I inherited. However I recently accepted a job elsewhere in the country and decided to rent somewhere at…
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Credit card affordability
I recently joined MSE credit club and have a credit score of 999, but my affordability is very weak for both credit cards and loans. The only 'credit' I have is the overdraft on my current account and a mobile phone contract which I think is one of the main reasons I don't have good affordability. To complicate things…
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"Victim of impersonation" CIFAS mark on credit file
I recently applied for 3 credit cards, all within a period of 2-3 days(mistake?) and the first one from Lloyds came through but for the other two (Capital One&Virgin) I got a letter saying that someone might be trying to impersonate me etc. I did call to confirm that I was the one who made the applications. For Virgin, as…
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Very.co.uk ruining credit files
I purchased a dishwasher from Very.co.uk, the model I wanted was cheapest on their site and they also had it on a Buy Now Pay Later offer, so I thought why not. The first month after delivering the dishwasher I received a statement asking for a payment. I wondered why I had been asked for payment on a BNPL purchase but as…
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SLL & 50% debt discount???
Hi I currently owe £925 to SLL Capital and have a default against me (not ccj). They have wrote to me offering me a 50% discount to settle the debt. I can pay the 50% in full or six monthly payments. Would it be better to take up this offer or pay the whole full amount??? I'm worried how it effects my credit scores. SLL…
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Debt collector written off debt but still showing on my credit file?
Hi all, I’m after some advice, I worked with a debt collection company and proved that I was completely unable to make any payments to some outstanding debts from years ago. The debt collection company agreed and wrote off the debts in June this year, but I’ve recently done a credit search and they are still showing as…
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Copy of credit report
Me and my partner are currently trying to get an mortgage AIP. My partner has one default on her file from 2014 but this was paid off over a year ago. Our mortgage advisor has managed to find a lender for us but the lender is saying there is more adverse credit that is unpaid and will need to be paid off before the AIP is…
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CCJ Via online business centre
Hi So long story short I bought a item through a friend back in 2015 and missed payments and he issued a ccj against me which I ignored. He has since then be 're issuing ccj online and has now named my partner on them when she was never involved in the matter is this legal Also I spoke to him recently and he said he would…
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O2 fraud and Lowell Financial Ltd
In January I received a bill from O2 for a new mobile phone contract which I had not taken out. The letter was addressed to my name but had Flat 8/3 on it when I stayed in Flat 8/2. Thankfully the postman put it through my door as he knew my name. I contacted O2 and told them I had not bought a new phone and this was a…
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Npower
NPOWER have three accounts registered against my credit file, they are my current utility provider and i do have a debt of £499.42 with them that i pay off each month alongside my bill. the three entries are £98.00 £87.00 £506.00 How do i go about getting the balance updated and just as one entry? I'm trying to improve my…
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British Gas
Hi All I've recently left British Gas because they cost a fortune. I left them on 19 September. I was told by both the new supplier and, separately, BG that I would be receiving in the post a final gas bill. On 3 October 2018, a direct debit of £115 left my account, decimating the funds. I called BG and asked what this was…
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Paypal - Incorrect Credit Reference Agency Reporting
I currently have a Paypal credit account, with which i maintain and pay at least the minimum payment on time. My account has always been maintained correctly. I recently applied for a loan from my bank and was refused, which i found odd as my credit rating is good and the bank has loaned me money on a regular basis over…
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Paid off credit card & credit score gone down??
Hi Everyone, I've recently paid off my balance and closed a credit card account, so I no longer have any credit cards. I dont understand why this would decrease my credit score?? Would anyone know why? I would have thought the less credit I have the better this will look to lenders. I've been trying to improve my credit…
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Getting a CCJ removed
Hey guys! My first post so please take it easy with me lol. A friend of mine wanted me to act as a guarantor for an Amigo Loan (I know they should avoid such a company when I found out what they would be paying back I refused to act as a guarantor). While I was filling out the form, I learnt that I have a CCJ on my account…
