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Default listed on credit file from Vodafone
Hi all I’ve spent the last year or so working on paying off debts and improving my credit score. It’s gone up, but is still considered very poor 😑 Few things seem to be impacting this; a CCJ (more on that soon) not registered on electoral roll; have done this now and a few credit defaults. There’s 5 in total, 4 have a…
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CCJ confusion
Hi, I have two CCJ's on my credit file, both around 5 years old from when i was an idiot and ran away from debt i racked up.One has been satisfied, unfortunately i've not had the funds to settle my other one. As i understand it from all the websites i've visited (stepchange.org, multiple credit score websites) a CCJ will…
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Haven't used HSBC account in 6-10 years, think its still active.
But not sure the details, what can I do? The reason I think this is because I still get emails now and again from HSBC it was just the most recent one mentioned about my Visa card and when I last used it I had a cashcard so worried if its still active a card has been sent to previous address and can be used for fraud. Can…
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Missed payment markers
Hi guys, I'm on an okay salary (£55k) and including £10,000 of car finance, I currently have £17,000 of debt. I have made a plan in excel with dates of how I can pay off this debt in the quickest possible time, and have calculated that I can pay off everything but the car finance by May 2020 and then the finance in May…
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Early repayment help or hinder
Hi there, Asked a lot of people and nobody seems to know. My credit rating is very poor even though i havent missed any payments in 3 years. im in a position to pay off all debts completely and try for a mortgage. Last year i closed 1 card with a large limit and long service and it knocked alot of points off and it still…
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UKPC agree to set aside CCJ
Hello, My husband is due in court on Thursday 6th June hoping to set aside a CCJ that he found out about in January this year. This was incorrectly served at a previous address and was put on his credit file last May. Today he received a letter from SCS Law stating, "Upon further consideration, the Claimant will consent to…
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Calls from Moorcroft Debt Recovery for person who no longer lives in my house
I am not a regular poster so please forgive if I have posted in the wrong place. I have recently received a number of automated calls from Moorcroft Debt Recovery trying to get hold of my ex husband, who no longer lives at my address. The automated nature of the call offers me no 'way in' to alert Moorcroft of an…
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Setting aside CCJ
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British Gas 2x accounts damaged my Credit!
So I have a flawless credit score until last month when British Gas decided to add an account and knocked my clearscore credit from 503 to 480! (electric). and now today they have done the same with gas and knocked my score again from 480 to 436!... ive never had accounts with them prior and ive never been in debt to them…
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Data Breach
I've become aware that potentially my personal data has been left unsecured. I am obviously concerned about potential fraud happening. The data includes name, address, telephone, DofB, family history, employment history and much more. What steps do I need to take?
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CCJ within 28 days
Hi All, I was given a CCJ by Cabot Financial a few weeks ago. As soon as i got this i rang the company that issued it (Mortimer Clarke) and they insisted that if this was paid within 28 days it would go. It was issued on 2 May, I paid on 28 May on my Payday. Mortimer insist they have now sent this info to the court and it…
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Credit Report is blank
I have noticed over the past 6 months or so that my credit-club for some bizzare reason is not showing my current and credit accounts which i have open the only ones that are showing are the closed/ and 3 of my defaulted accounts. i recently signed up for the 30 day experian report which shows all the account so for some…
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Bank recommended defaulting
Hi, For the past few years I have been working hard to clear debt following my divorce. Last year I contacted my bank (The Bank of Scotland) to discuss how I could reduce the regular interest charges on my 2 overdrafts. (£1900 and £2500) They immediately recommended that I default on both accounts - which had been up to…
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MSE Credit Club credit file not updating
Hi all. My MSE Credit Club was last updated on 29 April. It says date of the next update will be 29 May...which has obviously been and gone and still my file hasn't been updated. Has anyone else noticed something similar with their Credit Club profile?
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Ongoing Identify fraud
Was after some advice really cause at the moment I’m at a loss and fighting a losing battle. Had my identity stolen and the person has applied for several credit cards, loans and mobile phones. All been reported to cifas, action fraud etc. I have contacted the Police as I have images cctv of the person but don’t seem…
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CIFAS cat.2
Hello. Nationwide CC. Card arrives. Next day a letter saying the application seems unusual and they believe I have been a victim of impersonation. Also, that a CIFAS marker had be added to my record. Basically, there was a discrepancy in my address. I applied using a property address that I own outright, have lived in most…
