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Barclays and Sainsbury Bank Issue
I recently paid a credit card statement bill for my Sainsbury credit card at Barclays with cash 10 days before due date. I received a letter from Sainsbury bank to say they had not received payment and my card was now blocked etc. I called them to say I had paid on time and had a receipt as proof of payment I could email…
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Have a damaged my rating/score
Hi all. Firstly I have read the sticky thread about ratings which has already been a big help but if someone can advise on a specific question that would be great. So the last 12 months haven’t been great. Stupidly I’ve maxed out all 3 of my credit cards. This is a mix of needing too at times and just spending to make…
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Error Report related to PPI Insurance Claim
Before I continue, as a bit of background, I used to be a Lloyds TSB customer until my branch was sold off by Lloyds to become TSB. All my bank current/saving accounts & Mastercard held with LLoyds TSB, then became badged as TSB. The Mastercard I have had since 2004 (when I was a Lloyds TSB customer) until the present…
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Lovell debt not in my name
I keep receiving letters which I believe is debt from lovell which are not mine, I do not open these but just send them back saying 'addressee does not reside at this address' after a few months thsy still send letters. I dont want to call them to complain as I fear rhey might take my name to load the debt which obviouly…
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Equifax showing my new address as "linked address"
I bought my first home two months ago. I'd registered on the electoral roll at my new address and informed all my account providers of this. My Experian and Callcredit reports reflect this - all my accounts are showing at my new address and, as of 01 August, I am reported as being on the electoral roll at the new address.…
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Question about odd email from RBS regarding debt
Hello all, First time posting here, but have been lurking for awhile. I was motivated to do so due to an odd email my wife recently received. It purported to come from RBS, with the from email address of: DebtManagementOperations@services.rbs.co.uk. The header of the email they sent did give the last part of the postcode…
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Credit Agencies Logic
Sorry but this is my first time on a forum like this Can anyone tell me the logic that is applied by the two main organisations as far as the score out of 700 and 999. For the past 6 months my score with Clearscore has been 417. Last month I decided to reduce the amount of credit that was available to me, so informed my…
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Parking Charge Notice - Highview Parking
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How exactly does a credit agency / finance agency check your employment?
I've always wondered this, when you apply for a loan or credit cards your information is passed to a credit agency who "verify" it but how do they actually verify you work where you say you work? Do they actually ring up your employer and ask if you work there? If they do that sounds very unprofessional because you might…
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Won't be on electoral roll until December: can I apply for a credit card?
I want to apply for a new credit card that will allow me to do a balance transfer. My credit is excellent, but I've recently moved so my new address doesn't match to an electoral roll listing so I know this will potentially block any credit card application. I've applied to be added to the electoral roll, but having spoken…
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clearing credit cards
Hi Guys 3/4 years ago, I did a "part settlement" for my daughter, as she had been conned into debt on 4 credit cards by a lousy boyfriends. I agreed a % amount with all companies and cannot remember what her legal and debt obligations are after me doing this. I heard something about a 6 year period, but need to know more.…
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Applying for a credit card for a company I owed debt to
Hello, About 7 years ago I had an Aqua card which was defaulted on and I stopped paying. It is no longer on my file due to the 6 year thing. My credit is improving and the search said I have an 80% chance of being accepted for Aqua. Would this be advised based on the old debt...Will they start chasing me for that ? Will…
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Halifax Went over credit limit
Hi, I am sure it is fine but would like the opinion of people more in the know. Been buying lots of bits for our house extension and always like to pay with credit card and then pay that off. Just gone over my Halifax limit of £7500 by £150. I paid 5k off literally within 30 mins of doing so. Halifax confirmed that I won't…
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Forgot to pay online subscription, now been passed onto 3rd party
Hi, I lost one of my cards a while ago and so got a new one with new details etc. I had an old domain registered 1&1 IONOS that was, it seems, set to autorenew with my old details. Obviously, the payment failed and IONOS have passed on the account to a company called Arvato. I don't mind paying because obviously it's my…
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No Default notice.
A credit card company got a judgement in default against me for an account they claimed I defaulted on, a subsequent ccj was registered against me. The claimants claimed to have sent me a default notice on 05/12/2017. This I never received. Despite being unaware of the default notice, I made a payment on 25/04/2018. The…
