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CCJ and improving my score
Hiya. I got myself into a bit of a pickle in the past and now have a CCJ that disappears Oct 2023 3 default accounts that go October 2021, February 2021 and February 2022. There's also a settled account from 2017. All of those accounts are now paid up and I realise it's just a waiting game now. I'm registered on the…
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Early repayment with Klarna was too early and now I'm in arrears?
Hi all, I am new here - first post so please bear with me! I have a finance agreement with Klarna for a purchase from a retailer. 2 months ago I called up every one of my repayment companies to change my direct debit date to be more in line with when I get paid (in an attempt to be a bit more financially stable). I called…
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Removing mortgage debt from credit file - sold house 2018 - Landmark
Morning - we had a sticky end to our house sale - the house was voluntarily surrended - we knew that after the house was sold we would have some residue money owing to Landmark Mortgages but since then despite writing to them in August 2019 and the house selling in September 2018 my credit score either shows the full…
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CCJ not removed against my name
Hi All, I had my CCJ successfully set aside on the 17th March 2020 + the request for the defendant (i.e. me) to issue a full defence to the claim by the 7th April 2020. Due to COVID crises/lockdown, the courts were unable to issue the paperwork from the hearing until the 7th April (and I actively chased this as I am in the…
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Moriarty Law Letter
Hi everyone, i recieved a letter from Moriarty Law claiming they have been instructed by Merligen Invesments ltd to recover £400 from me. It also says, the debt of £400 was assigned by Cash on go ltd t/as peachy.co.uk to merligen investments ltd on the 5/3/20. So I've checked on checkmyfile and cash on go is there but it…
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URGENT : I received possible scam email for MSE credit club rating - need advice UGENTLY please
hitoday I received an email from MSE about the credit club rating which I doo get from time to time as I signed up, however when I logged in it gave me this message below which is a bit weird - when i checked the email sender it was from <creditclub@email3.moneysavingexpert.com> - is this a valid MSE email account -- note…
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Default - Timing of Letters
Good MorningI had car insurance with AA which came to an end in March. They phoned me but after discussion I decided not to renew my policy as they could not offer me a good deal (in fact it went up £20 despite no claims!). So I went with admiral instead. At the tail end of March, I was checking my bank and had 3 DDs set…
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I have a parking fine and i received a ccj for not paying it ive recently satified the ccj
Because ive payed the ccj in full can i pay for it to be set aside now its payed off i got the ccj 1 and a half years ago??
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Barclaycard destroying Credit
2 yrs ago I had perfect credit, in the late 900's. My husband had an illness and stopped work my parents transferred over £7000 to my santander account to help us - I transferred it straight back. Shortly after circa £7000 was added to my Barclaycard - I contacted Barclaycard to ask where the money had come from - they…
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Wonga Credit File
Hi, I have searched but have been unable to find the relevant information if anyone can direct me to the right thread feel free to close this one. Basically I had a loan with Wonga which as far as I knew was mis sold. I received a payment for this February 2020, after checking my credit report this morning I can see in…
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Missed payments 52 months ago
I have searched, but strangely not found much info. Im aware of the obvious, the further back the credit blemishes the better/ they only stay for 6 years etc. but what sort of effect are these missed payments 50+ months ago likely to have on a mortgage application? I have somewhat obsessively made sure my history has been…
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Moved: DMP in retirement
This discussion has been moved.
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Credit rating- End of my tether.
Hi all, I've been trying to rebuild my credit rating since an IVA that was settled 2.5 years ago. I am doing everything as requested, but my credit score keeps on going up and down and I can see no reason why. My circumstances are I bought a property a few years before the credit crunch on a 125% self cert interest only…
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6 years from then or 6 years from now?
Hi all Very regrettably I incurred a series of defaults back in 2014 and 2015. I was only 22 years of age. Some I have paid off, but I have 5 remaining: £994 Santander (was an 1800 student overdraft that defaulted in 2015 at 994.) £1600 RBS (defaulted 2014 at 1750) £200 Cabot financial (was £400 at the time!!! Silly amount…
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default with ltd company
hi everyone i am a mortgage adviser running my limited company since many years. coz of corona virus the income is down to 0. my personal credit card and overdraft laiability is 40k and business company liability is 20k. if my company gets default i will lose the license, but if i default on my personal credit cards, i…
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Opening Joint Savings ac with Mum
Hi, i’m hoping for some advice please. My Mum has decided she would like to open a joint savings account in both of our names, with her funeral savings in. I wanted to check as i have a very good credit rating & hers is poor. Does this have any implications for my credit file in anyway if we were to open an account.
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DATA BREACH COMPENSATION CLAIMS
Has anyone been successful? British Airways, ticketmaster and equifax are three big ones over the last two years. Astonishing i have had 3 in the last 3 months! Virgin, 118 Money and Loqbox have all emailed me to say they have had a breach and my personal details have been hacked! I am seriously considering a data breach…
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Are credit rating agencies being updated during Covid?
Hi all I've been able to clear most of my unsecured debts (which were significant) after receiving a very generous inheritance. Sadly, my credit report is pretty peppered with missed payments over the last 7 months (no defaults though).About 6 weeks have passed, though, and the creditors have not updated my credit files -…
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Credit Karma and defaults?
I cant seem to find on Credit Karma app where it lists the defaults on your credit file. I have a few which should have come off by now and just wanted to check? It used to be easy to find this on Noddle.
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Any hardship affecting rating should be void
Who believes that people that are going through financial hardship should be penalised for missing payments or entering debt management due to the ongoing pandemic should have their credit score impacted? Borrowing is going through the roof both nationally and internationally too. What are your thoughts?
