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Credit score
Hi all, I'm wondering if someone might be able to advise please. My credit score, checked on Noddle, ClearScore and Experian, is by all accounts not great, and I can't figure out why. I have one bank loan, one credit card and car finance, and nothing else. I'm beginning to wonder if the bank loan is the issue - it was a…
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Secured loan v CC pay off
Hi All, I’m new here so hello everyone! I have a question that I was hoping you lovely people may be able to help with please. We are remortgaging in the nex5 few months. We currently have £149,000 on a 3.19% and a secured loan also with the same provider of £24,000 at 5.99%. We pay £1,115 pm on both which the loan part is…
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Tax self assessment???
I have deleted this thread. Apologies for posting in the wrong place.
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Improving chance of 0% deal
I have a 0% deal that is finishing in June-2019. I would like to try and get another in order to transfer the unpaid balance when the deal finishes. Looking at the MSE Credit Club I have a good credit rating (994) but am rated v.weak for affordability. Is anyone able to give me advice on what I can improve between now and…
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Received a CCJ while on a DMP
Hey all, I'm on a debt management plan and I have around 7 companies I owe money to. All of them have agreed the payments my DMP suggested. I had some trouble with Admiral loans, as they called me everyday after enquiring about starting a DMP. The people that called me where always very rude and kept insisting I don't need…
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“QY” status on credit file
Can you explain why this is showing QY on credit file . .
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TSB Credit Card Nonsense Reporting
Although TSB have now updated credit files after their problems earlier this year, they are continuing to report nonsense. Below is what has been reported on my Experian credit report for the last 6 reporting periods Status 0 0 0 0 0 0 Balance 26 23 0 0 1174 1027 Payment Amount 0 0 25 1175 205 529 Previous Balance 23 0 0…
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Moriartylaw letter received today
]Recieved this letter today for a debt I know nothing about nothing showing on credit score websites Amy tips on what to next tia i67.tinypic.com/2ni2ref.jpg
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Delinquent Energy Account - Old Address
Hi all Hoping you can help me please... I moved out of a property I owned in December 2015 due to a split with an ex-partner. The agreement was that we would both pay the mortgage, but he would take full responsibility for the household bills as he was still living there. In February 2018 I checked my credit report (as I…
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CCJ issued but no notice of this prior to checking credit score
Hi I have checked my credit score and shows that a CCJ has been issued, I have not received any notification of this prior. My concern is I live with my mother who is registered as disabled and don't need bailiffs coming to the door, it doesn't help matters that I was recently made unemployed aswell so I have no money to…
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Can a CCJ be removed
Hi All, I am trying to clean up my credit score after a DRO which in a year will be removed from. I have recently put in a complaint to several payday loan companies about irresponsible lending. The CCJ was a result of a payday loan which I could not afford to pay back and it was sold on to TM Legal services who applied…
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Question about CIFAS
Hello, Cifas closed down my Santander bank account in early September. No warning had been given. We went to collect our children's weekly tax credits and child benefit at the ATM and were told they couldn't conplete the transaction. So we went in store where the staff were also confused. I was told to call Santander. They…
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CCJ due to end
Hi there, i have a ccj where the 6 years come to end in the middle of November, there will still be a balance outstanding. Is this balance then written off or will i need to set up a new arrangement with the creditor? Thanks for any help
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Balance Transfer Leaves a Balance!
Hi, I recently applied and was accepted for balance transfer as my current offer expires soon. My application was accepted, but I got a credit limit well short of current credit card/current balance. My query is how my credit rating would be affected if I make further applications in order to get a balance transfer deal…
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Should getting a mortgage drop my credit score this much??
So got a mortgage in June. First one . And paid all bills on time and cleared all debts before applying for mortgage. So basically I don't have any finance apart from phone and mortgage. But my credit score has gone from 443 on clearscore to 286 and very poor. Is this normal?. All it says in things I need to improve on is…
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Asda / Drydensfairfax
Hello all, Firstly, apologies if this has been posted in the wrong forum. I'm posting on behalf of my mum, and after some advice (please!). My mum worked on nights for Asda, but the manual job eventually took its toll on her health and as well as basically being a walking zombie, she was diagnosed with osteoarthritis. This…
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please stop using the wrong database for credit checking
I have contacted MSE about this before and had conversation at length with Experian. The problem remains: MSE is using the wrong database for credit checking. I am now writing in public to let MSE know that I have written to my local councilor (who, BTW, knows that I am on the electoral register and what my address is) and…
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Financial Connections?
Hi all, first time poster long time worrier. I have a squeaky clean account. Never gone overdrawn, no need for an overdraft, loan, credit card etc. However my partner does not. A while ago she took out an Argos store card and defaulted and has gone into an IVA which is now being monitored. I noticed my credit score has…
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Credit file complaint. Not updated by company
Hi I need some advice. Years ago I had a debt with Grattan that defaulted and went to moorcroft debt recovery. In July 2015 I settle that debt in full with moorcroft. In 2016 I noticed I was still defaulting every single month and when I asked they had not paid the money into the account even though I had an email stating…
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Credit file complaint. Not updated by comoany
Hi I need some advice. Years agao I had a debt with Grattan that defaulted and went to moorcroft debt recovery. In July 2015 I settle that debt in full with moorcroft. In 2016 I noticed I was still defaulting every single month and when I asked they had not paid the money into the account even though I had an email stating…
