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Bad credit and Barclays Bank
Some years ago I filed a summons against Barclays Bank for excessive charges. The bank fought the case and for nearly 2 years they kept telling me I wouldn't win. Two days before the court date they phoned me and offered a full refund of all charges (over £6k) providing I sign a 'confidentiality clause', I said no, the…
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who to pay
Hiya I've got a pretty poor credit score and am working to resolve the key issues. I've came into some money so won't to get things sorted. I have the clear score app and it can see my caR HP, mortgage etc but I also have the following which it doesn't seem to show I owe capital one £2k and they have cancelled my card…
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Noodle report making comments
I had a company claim they made a loan agreement with them when I did not How can I put an explanation on my report? Also there is a debt from 2010 stil showing, should not that be gone after 6 yrs?
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Late payments...mortgage app
Hi all. I have late payments (3 consecutive months - October, November, December 2014) on my credit file for a now closed store card. Aside from these 3 entries, my report is good (defaults that I previously had have now dropped off); no other missed payments, well managed credit. I've added a NOC on my credit reports with…
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Possible ID fraud
Hi - today I received PIN number from '118118Money'. As I have definitely not applied for a card I phoned them and they said an application had been made and an account set up. They have blocked the card and contacted their fraud team and said they will write with more information. Should I contact ActionFraud? I have a…
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Aqua Credit Card
Hi I applied and got what I thought was a 6 month 0% balance transfer card, it arrived today, I phoned up activated and registered it and went to make a balance transfer however they said I am very sorry there is no promotional rates on the account. I wouldn't of gone through with the application if I known this!…
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Default notice
Hi there, I received a default notice for cancelling a direct debit to a finance company 4 months early (oops!) that my bicycle insurance used to enable me to pay in instalments. I set it up, paid the fee and the outstanding payment within the stated 14 days. Will this be put on my credit file, and if so, what sort f…
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Experian Credit Rating
My Ltd company had to move banks after 20 years as the previous bank closed. The Directors opened a new business bank account 12 months ago and the bank use Experian for their credit checks. Today I tried to arrange an overdraft with my new bank but was unable due tol Experian and I'm hitting barriers constantly as to how…
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CCJ was sent to old address???
hi all, i recently sent for my credit report from Callcredit & Equifax and discovered that in August 2016 a debt collection agency had placed a CCJ against me. the debt was originally an old credit card which was sold to DCA however i had left that address where the CCJ were sent in May 2015 and moved to a new address and…
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CCJ - Civil Enforcement LTD
This is quite a long story so apologies in advance... Last year I sold a car for scrap and didn't inform the DVLA as they said they would (I already know this is very very wrong and it was my responsibility). The scrap dealer ended up leaving it on a public road while SORN and also in a private car park. Everything went to…
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Credit:Why isn't it improving???
Hello, Can anyone advise me? I have been trying to improve my credit score , its sitting at a miserable 1/5 and has been for about 2 years +. In the terms of rent, and bills up to date ( no missed payments) and credit cards is paid up in full at the end of each month. My credit limits have vastly increased on my credit…
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Incorrect Default
A question for the credit experts. I have a read a few posts of users with similar issues. Back in 2016 I took out a contract with O2 and the address that they ran the credit check on was my current address and one previous address. I was living at my current address and had to provide a proof of address as usual, to set…
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Credit Limits
Hi, Just been alerted by Marbles Credit Card and they would like to offer a credit increase from £2400 to £4000. The balance is zero and my credit utilisation is 0% across all my credit cards. I have cleaned up my act in time for a mortgage application in January. Should I let them go ahead with the limit increase or keep…
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Vodafone screwing around with my credit report entry!!
Have not been a customer with vodafone for a single month. Ordered telephone, subsequently cancelled before it was connected within the 14 day cooling off period (existing ISP/phone provider price matched VF promotional offer, so cancelled the switch to save the hassle). Vodafone have now made entries to my credit report…
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Electoral Roll reported incorrectly
Exprrian and Callcredit both report I am on the electoral roll but Equifax reports I am not on the electoral roll how easily is this to update.
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CCJs and Improving Credit Score
I have two CCJs on my credit file. They were added in December 16 and January 17 (I had been and still was battling mental health issues then, so it's very frustrating for me now that I'm in a much better place!) I have been paying both companies a small payment of £20 each per month while I got myself back on my feet. I'm…
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Credit club - address history abroad
Good evening. I would like to sign up to the credit club to access my credit reports. However, we moved to the UK less than three years ago and the registration form doesn’t seem to accept the postcode of a non-UK address. Did anybody experience the same issue and is there a way around it? Many thanks!
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Clearscore Madness again.
Hi, Not the first time I post about clearscore. Today I had a notification of "new report being available". My score has dropped by 100 points. I have recently registered on the electoral roll and experian have a good record of this. Credit Club show all the correct information etc, but for reasons unknwon on clearscore…
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Finally tackling old debts - advise needed
Hello, After years of ignoring letters and burying my head in the sand, i'm finally in a position to tackle my old debts. I would appreciate your advice on how to proceed, i do have quite a few old debts so please bare with me! In all honesty, i would prefer to pay back the least amount possible (or not at all), but i am…
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Mortgage not on credit report
I took out a mortgage with HSBC back in May and when I look at my report on ClearScore, MSE Credit Club and Noddle, none of them show it on my report. Is this normal? I took out car finance about a month later and that didn't take long to show on my report.
