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AP - Arrangement to Pay Definition Dispute
Hello. Looking for a little advice from you lovely people. Dealing with VW Financial Services. I basically overspent a little at Xmas, and didn't have sufficient funds for the direct debit on Jan 1st on a car payment. Out of courtesy I phoned them up, apologised and said payment would be made in a full a couple of weeks…
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HSBC Fake mortgage black mark
On the 17/2/15, I applied for a mortgage in principal with the HSBC, as far as I remember in only my name and as I have since been notified that they do not provide guarantor mortgages, I have no idea how my mother’s name has been linked to this. I have never taken out a mortgage or any account with the HSBC. On the…
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Should I accept credit card limit increase
I’m looking to remortgage in October and need to make sure nothing negatively impacts my credit rating or affordability before then. I have an Amex card (credit limit £7k) and visa credit card (limit £11k). I spend about £1k to £3k a month across these two cards, which is paid off in full each month. Amex have just sent me…
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Unjust black mark
Hi ya all. I have a problem. Last year i got a Sainsbury bank credit card filled in the direct debit section on the form with the details of my Santander bank account and received the credit card a week after. I bought some furniture as it was 0% card, so far so good, however a month later i received a letter saying my…
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How long before im "Worthy" ?
Hey people! back in october 2018, I finally got my self out of a teenage crisis of debt, being silly , not managing my credit and defaulting multiple times over multiple accounts. Now as I say, All my "BAD" debt is now clear, I have two credit cards, a mobile phone on contract, and a Hire purchase car (Car is coming to an…
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Is there a credit search for opening a child's bank account?
Going to open a bank account for our 3 year-old daughter. Obviously it will need to be in her name but with us in charge of it till she is 18. Will I get a hard credit search for this?
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Barclaycard - Robinson Day Default
Hi Everyone, just looking for a bit of advice a number of years ago had a Barclaycard and one day rang up and paid the thing off in full. roll forward a couple of year to late 2018 and a letter arrives through the post form a Robinson way chasing a nominal amount of money ref the above just over £72 we sent a letter and…
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Should I pay for credit reports?
Will I benefit from paying the £2 for a paper copy of my credit report from Equifax/Experian? I am going to be applying for a mortgage and we have the DIP with Halifax, just heard it's still worth looking before the full application for any surprises that might be on there. I do use Noddle/clear score and totally money,…
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Ccj-5years old advice please
Hi, I need some advice about a letter I received end of last week from Lowell solicitors about a ccj entered against my name since June 2014. The letter which my surname has been written with an extra letter in the middle states about payment for the ccj which I was never aware of before was for phone contract with Orange…
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Improving my credit score?
Hiya, My first time posting here, looking for some advice. I’ve just taken a look at my credit score on noodle and it’s 1/5 a score of 547. Which of course isn’t great. Everything is fine on the report, never missed any payments ect. The only issue is I have two cards maxed out. I’ve been doing some googling on how to…
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Do I need to pay?
I have recently been hounded by Cabot for a CCJ filed against me in 2010 against a credit card. I have had no contact since 2010 and the CCJ has now dropped off my credit file. Cabot then asked a doorstep collector to call and after this I asked the local council for a copy of the CCJ as I coukd not remember it. It's been…
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Have a ccj with a company no longer active
Hi, I have a ccj with claims4you who appear to have gone bust, I can't find any phone numbers or email addresses or forwarding solicitor details to pay off my debt, bit sure what my next steps are and how I go about getting it removed or paid off. Any help would be grateful
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Having all household bills in one persons name
Hi All, New here so sorry if I am asking something which has already been discussed but couldn't find anything on a search. My questions is: My wife and I got married last year and have since created joint accounts where we both place a set amount of money into each month and all of the household bills come out of that…
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Help to raise credit rating to help business grow
Hello everyone, I have aggressively started to pay my debts off beginning of this year as i am self employed with my own little business which i want to expand. I am a tree surgeon and most the big contracts and big jobs involve big kit which i can't afford or hire purchase because of my bad use of credit in the past which…
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Paid CCJ's off what to do now?
Hello, I have paid 2 of the 3 ccj's i have off last month one was with lowell solictors and the other was with a person i used to rent a room off. I have a letter of satisfaction from lowell and waiting for one from the letting agent. How do i get them removed off my credit file, do i need to contact each credit agency or…
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Default date. Can it be moved?
So, had a back injury and associated mental health issues in 2012. Subsequently, ran into trouble with debts around May 2013. Started missing payments, making token payments etc On my Barclaycard, in August 2013 I made what was to be my last full minimum contractual monthly payment. After that date I missed a couple more,…
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Civil money claims and credit rating score
Hello I was wondering if getting a civil money claim sent to me would damage my credit rating in anyway. I have been asked to log into gov.uk/respond-money-claim by March 4th by 4pm and punch in some numbers that are on the letter. I don't have a problem paying this guy even though it has taken him more than 5 1/2 years to…
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car loan rejection: next step
Hello Zopa has rejected my car loan (10k over 24 months). They didn't say why exactly. My credit score estimate was 980 or so according to the email i get from the website associated to MSE. I strongly suspect the rejection was due to no records whatsoever in the credit files. I never borrowed. Things have evolved and I…
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Self Employed Business Acc missing from score
Hi Folks I have just tried out the new Beta credit club feature and one thing struck me as odd. I am self employed, online based and so I have regular income directly transferred to a business bank account. When checking over the credit report this account is completely missing. I can see car insurance, current accounts…
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bank details stolen? Help
ughhhhh I can't believe i'm writing this. So my other half has just noticed on their bank statement a transaction from cdkeys/paypal dated in the past few days for £15. Neither of us has ever used cdkeys website previously to purchase anything & don't know of any family or friends who would have either as they would have…
