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Motonovo repossession of car costs
Query answered
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Reduced amount offer on a defaulted loan
Hi there, I am just new to this forum so hope I am doing this right and on the right thread! Many, many years ago I had a personal loan from a high street bank but lost my job (which was quite well paid) and defaulted on the payments. I have for the last 10 years been on a payment plan after they sold my debt on to an…
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Is it best that I decline a credit increase?
Hi guys, I have 2 credit cards: * Barclaycard - 94% utilised (roughly £4,700 of £5k limit) * Tesco Credit Card - 95% utilised (roughly £1150 of £1200 limit) In the last 2 weeks I coincidentally received letters from both credit card providers saying they're increasing my limit without asking for it.* Barclaycard -…
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Wrongful missed payment recorded
Hi, My husband has a late payment recorded on his file recently. It was for catalogue account, which is his account. The min payment was £5 and he paid £129 but they recorded it as a late pay by Very. Confused we rang them and asked what was going on, it was July/Aug and shows differently on different credit reports. Long…
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Disputed private parking fine CCJ obtained without my knowledge at a previous address.
A few months ago I discovered a CCJ from an old address on my Experian credit file. I requested info from the court and it is from a private parking ticket that I had disputed. I lost the dispute with the private parking tribunal, but MSE (at the time) suggested things might go differently in the county court due to…
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6yr rule
I have a debt still on my file from 2010 Should not everything be wiped after 6 yrs? I never accepted anything about this debt in he last 8 years. How can I get the CRAs to wipe I with he six yr rule?
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started a new job - would the CC up the limit if i told them?
Started a new job last month, and have maxed out several cards, i was going to inform them i have increased my incomings and request the cards to increase the balance, The cards are all on a promotional free offer. any suggestions???
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Confusion
Halifax account shows as "satisfied" on credit check, last updated 2013, recently contacted by Moorcroft who are sending a chap tomorrow to help put me in touch with their people with regards to this debt. I have no idea what to do about it and am starting to panic. Anyone have any advice?
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“Account settled” - meaning?
I am looking at the MSE Credit Club Credit Report (Experian) and I see a number of old debts marked with settled dates but I’m not 100% sure what this means. For example, I have one for Lowell Portfolio Ltd. It says that the account was started in May 2011 and then it says “Account settled 31/12/2013”. It says the account…
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Wrongfully pursued for a debt, now have a default!
To clarify: It appears that I wrongfully assumed that the debt belonged to my brother's ex partner. By letting her use my name, it seems the debt is mine, right? The short of it is that when I was about 19, my brother asked if he and his partner could use my NAME for a phone contract, I agreed because I didn't know what…
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Confusion about credit default and when it will drop off
Hello, I'm hoping someone can help me, previously when I was younger I got into some debt, I have since cleared all of the debt and kept up with all payments etc for the last few years. However, I am confused as to when a "Worst State" will drop off of my credit file, I know that accounts usually hold history for the last…
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Loan and credit score
Hi all, I have a question. November last year I had to get a loan to solve some things that came out of the blue with Barclays. This July for the same reasons I did a loan top up with them again. In October my rent went up quite a lot and now I struggle montly with bills and mostly the repayments rate I have for this loan.…
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HELP! Blackmail
Long story short I broke up with my ex and he didn't take it well. hes now threatening to report me for identity theft/fraud over catalogues for about £300 which HE applied for!!! I let him use my address because he was always here, but now we have split up he is saying he is going to say it was me who set up the accounts…
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Unknown entry in credit searches
I checked my noddle file this morning and noticed there was an entry for search yesterday. The only thing I can think of is I applied for Mortgage last week and the hard search for that application came up for the same day I applied and it had bank name and joint app etc. Is this related to that? I also noticed the address…
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How bad will my credit score be affected if I temporarily use over 50% of my credit limit.
I've started a new job, and until I get my first paycheck I'm having to rely significantly on my credit card to 'get by'. I'm going to have to use over 50% (about 70-80% or so) of my credit limit (it's only a small credit limit), I'm signed up to online credit reference agencies and when they next see my credit card data…
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Help Unwillingly Involved in Fraud
Hi,sorry if this is in the wrong place however I’m now really worried about my future after stupidly being involved (not knowingly) in fraudulent behaviour with one of my bank accounts. I genuinely thought I was doing some honest work but after the first month I received a letter from my bank to say they would be closing…
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Poor credit rating how to improve
Hi, I've been trying to improve my credit rating and not had much success. I know I have 1 default which is partly settled but I have a poor credit rating. I was trying to get a credit card builder so I could use it on a regular basis and also pay off, I've been using clear score and they recommended a credit card that I…
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House number change - Experian
I've just changed our house number, but can't find a way to record this on Experian without saying I've moved. Also, the drop down address list doesn't include our new number, despite telling council, post office, electoral roll, etc. How can I register this change? I've a good credit rating on the old address, but have…
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TSB not helping with dispute on file - help!
I am currently applying for a mortgage and have come across an issue on my credit file. I usually have perfect credit. I have a dormant TSB Student Credit card which expired about a year ago. I was told not to cancel it as it would put a dunt in my credit file and I was preparing to get a new mortgage with my partner. When…
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Default date
Hello, I had a Three sim only 1 month contract back in 2011 (being young and naive I didn’t know I needed to give in notice, completely my fault) so I ended up defaulting. I settled in full late 2016 once I was aware. The debt was sold on to Lowell in October 2014 where they put a default date of 19th April 2013. The final…
