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Late payment
Hi all Hoping for some light to be shun here! October 2018 I entered an arranged payment with my Barclay Loan. On my credit file for the month of October it states Arranged Payment, however for November it states Late payment. Just after New Year I arranged for the loan to continue and for the months missed, they extended…
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Marston group
Hi, I had a ccj with marston group and had been paying £30 a week. My ccj is no longer on my credit file since may last year and ive still been paying and i still owe money around £1500. Should i still be paying this even though its not on my credit file. Its alot of money to be going out weekly but they kept phoning me to…
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MSE Experian Vs Experian Website
I’m starting to wonder about the merit of CRA data. I signed up for a mse access to my Experian file because I no longer wanted to keep my paid Experian account (I know in retrospect paying was stupid). Strange thing is that the source is the same but the ratings are completely different. Makes no sense. I have an…
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How far back credit file
Just wondered how far back my credit report goes and how do i access it?
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CCJ not showing on file
Debt from 2013. Last payment 2013. I live in Scotland debt is statue barred. Or is it because I acknowledged the debt via telephone in 2016? Anyhow I have been told in 2016 they applied for and was awarded a CCJ. However I never received court papers. Because they sent it to an old address. It was actually my mum's old…
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Council Chasing for Council Tax (not owed)
Hi, I ideally wanted to post this in the CAB forum too but it doesn’t seem to want to work? My other half is being pursued for an old council tax bill, they state he owes them from a period of May to October. They classed him as exempt up until then as it was a house he and Friends were renting at uni and you are exempt as…
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Default dispute query
Hi there, I am just coming to the end of a DMP in March 2019. While one of my debts (HBOS Loan) went into default after 8 months of DMP starting and so falls of report in June 2019. The cc with Hfx didnt default until 12 months later. Then my bank account HBOS o'd debt although in DMP didnt default until Jan 2015 but was…
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My 6 year old CCJ
Hi all. I’m after some advice. I have a CCJ on my credit file for £217 from way back, 21/02/2013 is the date it was given at NORTHAMPTON CCMCC. I’m not even sure what it was for, I’m assuming it was an unpaid parking ticket or motoring fine of some sort. Am I right in thinking it will fall off my credit file next month as…
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Age of accounts?
I'm finally jumping onboard the current account switching bandwagon and moving away from the account my dad opened for me when I was 11(which is a more or less a quarter of a century ago!) I've also closed the savings account that was linked to it and had a terrible rate. I also have a Natwest current account that I opened…
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Proof of Previous Addresses
Hi all, Last year as a student I requested a copy of my credit file. Whilst completing all the previous address fields I added in a friend's address who I briefly stayed with over the summer break. I was still registered at the bank and on the electoral roll as living at my university address at the time, so there…
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Ccj
Hi All So a few years ago roughly around 6 I got a CCJ and i know after 6 years it wont affect your credit rating too much anymore just wondered how I can view when my CCJ ends and how much difference this will make to my credit rating once its removed?
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MBNA Late charges on an arrangement plan and a default
Hi, I was wondering if you could help me with this issue... In 2013 I had a credit card with MBNA. I was making the agreed monthly payments. At some point I was in financial hardship and could no longer keep the agreed payments. I then contacted MBNA and they set up an arrangement plan and froze all interest and charges…
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NatWest performed two credit checks and my score dropped 150 points
So I applied for a joint account with my girlfriend at the end of November online. We waited a few weeks and heard nothing from them so we went into the branch. They redid our application and everything was setup. However I just checked my credit score and it dropped by 150 points becuase there is 2 enquiries. Internet and…
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Cannot login to Credit Club
Hi, my wife has been unable to log into her credit club account for about half a year or so now. I can still log into my account, but everytime she tries, she gets the message We are both absolutely certain that all her details are correct. Anyone got any advice/ideas?
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Joint bank account with wife who has no credit history
My wife is Chinese and recently moved here. I want to get my bank accounted converted to a joint one with her name on it. She has no credit history in Europe at all, should would be starting from zero. She doesn't work either (housewife). Obviously I trust her not to run up debts etc (she is very frugal), but someone told…
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Equifax has no financial records for me
Hi, I recently applied for a credit card with Ocean Finance after I was told I was 100% guaranteed to be approved by their initial checks. I completed the application and was a card would be sent within 10 working days, after not hearing anything I chased up and was told I was rejected, of course they couldn’t tell me why…
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Loan and balance transfer needed
Hi. First post here so please go easy! I have received a new job which for the long term which be much better for me financially. In the short term I have a credit card (0% interest till end of 2019) that I am hoping to get a balance transfer for. In addition I was looking to get a loan to buy a car (currently have company…
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Financial associate issue
Hi all Looking for a bit of advice as a first time poster :) Bit of background, my partner and I are married but share no financial accounts. She has an adverse credit history so will be applying for a mortgage in just my name. I recently applied for a mortgage through my broker with NatWest, everything was going well to…
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Advise on adverse credit during divorce
Hi All I am currently in the middle of a divorce. My husband ran up debt without making me aware (I was suffering badly due to depression). I left him and Scotland in November 2017. Until house is sold we still have a mortgage together. He is undergoing debt management with stepchange. There also appears to still be out…
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No current account on file
I currently have three current accounts: 1) Metro Bank 2) Starling 3) Monzo I really want to close the Metro account, which has been inactive for some time. The only problem is that neither Starling nor Monzo report to Experian. So, if I close the Metro account, there won't be a current account on my Experian file at all.…