-
Natwest closed account but credit file says default and open?
I am very new to posting, I always stay behind the computer but I have a query and I see how many helpful and knowledgeable people there actually are on here I am hoping someone could shed some light on my problem. So bare with me... A bit of a back story, we have a lot of debt and are trying to improve our credit ratings.…
-
Car finance
Just wondering if anyone can offer any advice. I'm looking to get a car on finance in the next couple of weeks I'm scared I may not be accepted for finance tho as I've had bad credit score in the past my current experian score sits at 650 I currently own two credit cards and two catalogue accounts which I'm keeping up…
-
Credit Score - If I set up a payment plan
So I have an outstanding debt with the Student Loans Company, I don’t believe their figure is correct but then that’s another story. Any way a debt collector has been in touch and is asking me to pay up. I really can’t be bothered for the hassle of disputing it, student finance don’t want to know as it has now been sent…
-
Cabot Financial
Hello, Cabot Financial keep sending me letters regarding a £652 Capital One default from 2014! Turns out it drops off my credit file next month but they will obviously keep chasing forever. How can I make this go away once and for all? They said they will accept £250 as a full and final payment. Seems a bit high for an old…
-
Defaults on Credit File Question
I'm about to apply for additional borrowing and will be credit checked. I had a default come off yesterday and now my credit file scores 999/999 on Experian. Should I await to apply or will credit agencies all have updated?
-
Credit Card cover
please could I ask for a bit of advice. I’ve paid for flights to Italy on my credit card and flying at the end of May. My travel insurance said that they are only paying out for travel to Italy within the next 31 days therefore could I claim for the flights on my credit card even though my flight isn’t until May, the…
-
Prove it letter - would it benefit me?
Hi, Long story short - a debt was taken out in my name without me knowing, which later defaulted. It has since been sold onto a DCA, who have sinced confirmed they are removing their entry off my credit file as - another party accepted liability and cleared the balance. My question is, Should I send a prove it letter to…
-
Post BR credit
Hello, I’m helping someone with their credit file. They went BR mid 2013 and since then have had some credit cards and car finance - all quite high apr due to BR- but currently only has a car on vehicle lease. No other debt at all - all cleared in January 2019. She looked to obtain a loan recently but looking on clear…
-
County Claim Form
Hi all, I was wondering if someone could help me regarding the matter below. I recently issued a county claim form to someone who owed me money. I have since learnt that the person in question has changed not only their name but also their address. Does this make the original county claim form I had issued invalid. Many…
-
Lowell!!
Really having a tough time with Lowell. I have been arguing with them for nearly 1 year now about my Statute barred debt, which may i add is not my debt to start with but of an ex. They write letters to me, (without proof) to tell me that my debt is not statute barred, i know for certain this debt is not mine and over 6…
-
CCJ Rewnewal after 6 years ??
Hi all, Hoping someone can shed a little light here, as just had a weird phonecall from "the courts, or a county court" to say someone is seeking a CCJ against me..... Specifically, a firm that buys debts from other firms... History: I had a CCJ placed against me in Nov 2011 for £266. It was done at a property i had moved…
-
Wrong info and unused card
Hi, On my Experian credit report it shows that my balance is the wrong way around (it’s actually completely empty now) but it had £200 on it for a 10k limit. But, it shows it as 9800 on it on the website? Do I need to contact the lender to get them to change/check? also, should I cancel it if applying for a mortgage? I…
-
Should I increase credit limit for better credit rating?
I reduced my credit limits on my 3 0% interest credit cards thinking it would be better for my credit rating to have less credit showing. But I think this has made it worse... maybe because I now have higher percentage of credit amount used up (even though amount of credit is the same ) . Should I have left them high (even…
-
How long after all debt cleared might new lending be offered?
I have about £50,000 in high-rate, unsecured debt. Impressive, huh? The rest of my financial circumstances means it's not as bad as it sounds, however I am soon going to clear all of it in one go. Roughly how long will it take for my credit score/rating (I forget which is which) to improve and for me to, say, apply for new…
-
Card closed within 14 day cooling off period - Credit File help
Also posted in CC Forum - maybe some experts in this part can help: Hi, I opened then closed an Amex Card back in December within the 14 day cooling off period. My understanding is that there should be no record of this on my credit files, however the search is still there, along with the account being opened on my credit…
-
CCJ after 6 years
I had a CCJ which would be 6 years old tomorrow. I have never made any contact with Lowell over last 6 years. What can they do after tomorrow?
-
Terminating Car Lease Early on medical grounds - penalty charges & credit file impact query
Good Morning I am looking for some advice on termination charges on a car lease. I recently took out a lease for a new car, at the time i did not have any issues with paying the monthly cost. Unfortunately in December my health deteriorated and for medical reasons ive had to change my working hours on a permanent basis.…
-
DCA removing default
Hi, My situation is a long story, so if interested please see my other forum post on here. The stage I'm at now is, the DCA whom brought the debt from the original creditor are removing their default entry on my file, as someone else had accepted liability and cleared the balance. My question is, how do I go about getting…
-
Bad credit score when applying for mortgage!
Good Morning, Myself and partner are just going for our first mortgage and the affordability check came back fine. My credit score is high yet his is something like 575 because he has an old debt which was cleared nearly a year ago. Will this stop us getting a mortgage and should we just quit the process now!?
-
Credit score just dropped to poor before mortgage application!
Recently me and my partner had an offer accepted on a house. We are first time buyers. We was granted a pre mortgage agreement last year and little to my knowledge it only had a 1 month expiry date. We have a meeting in a couple days time with our mortgage advisor about applying for a mortgage. I have recently just checked…
