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Time span
not sure if this is the correct forum , but I will as anyway if you have a default , and its sold to the likes of Lowells , who then (at 5 yrs) start CC action and you are issued with a CCJ , how long can lowells/bailiffs continue to chase for monies is there a set point where a "warrent" runs out , or a point where they…
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CCJ claim pack sent to wrong address and I just found out 3 years later
Hi everyone and thanks for having me. I'm in a bit of a pickle. A couple of weeks ago, me and my partner decided to relocate back to Surrey from the Isle of Wight so we applied to rent a flat. Upon doing the references checks the ref company dug out a CCJ filed on my name in 2017. I thankfully secured the property by…
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How best to cancel cards for mortgage??
hi everyone. I'm currently saving for a mortgage and trying to pay off my debts. I've been doing quite abit of reading on here and was surprised that clearing your debt and closing all accounts actually harms your rating! So just looking for some advice on how best to do things. Currently I have the following - M&s credit…
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Default from Vodaphone
Hi guys, I’m a newbie. I have a default showing on my credit file from vodaphone every month. I see it goes after 6 years, the amount is 300 pounds wrongly charged. I’ve written to vodaphone 3 times and been ignored. It’s now with a company called Lowell. I’ve never spoken to them, tried to have it removed via equifax but…
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Is partially paid/settled good or bad for credit score.
Hi I have about 4defaults on my credit file stupidly from Catalogue accounts. The defaults are from 3years ago now and I’m tempted to just wait out the next 3 years for them to be removed from my credit file but I’m wondering if I just pay them off with the discount they’ve offered me what affect does that have on my…
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Default on credit score advice
Looking for advice. My credit score is currently 357 I am looking to buy a house. I have a default on my credit report as I missed payments on a credit card whilst living over seas for two years. If I save and pay the outstanding debt off of £3k will I still be in the same position as if I get help to clear the debt? I…
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Unrecognised Soft Searches
Hi all, First time poster here. I know that insurance companies carry out soft searches when you do a quote, especially through the comparison sites etc. I was checking my credit report today and saw that in the last few days there were 4/5 soft searches done by insurance companies (Aviva, Right Choice, Lexis Nexis to name…
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Phone contracts - credit file
Hi all, apologies if this has been asked before I've had a quick look and couldn't see anything but I'm usually over on the house buying/selling thread, new to this one. My partner and I are really close to buying a house our deposit is saved we are just saving for fees now. We are both desperately in need of new phones…
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Available Credit
Hello, I've just reviewed my credit report for the first time in a while and have noticed that I still have an active credit card with a £1000 limit. I applied for this card with the intention of using it, but never actually have. Would it be better to keep or close this account? Would this be classed as low credit…
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Very brief unarranged overdraft on credit score
Hi all, I recently went into my unarranged overdraft for one day. I was charged £5. The very next day, I had a positive balance on my account, after I had realised my mistake. What would the impact of this event be on my credit score? Thank you!
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Monthly mortgage payment declaration ?
Hi, Id be really grateful for someone who could help me on the below issue, as I'm so conscious about filling in the incorrect info. I have been through a really expensive divorce recently and have had to take on ALOT of the marriage debt. I have recently moved in to a new property and my credit rating fell from…
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Moved: getting a CCJ removed
This discussion has been moved.
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HPF Credit Agreement
We bought a bed from carpet right and paid via HPF over 12 months. £849.99 total. 12 payments of £70.83 Total repayments £849.96 Final payment is due in 2 weeks. The final payment is listed as the usual 70.83. If I click on 'settle agreement' that is also 70.83. Im tempted to settle then make a seperate payment of…
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CCJ’s, Debt consolidation, potential home owner
So I’m in a bit of a pickle. I have a CCJ for 3 1/2 years ago whilst I was at college/uni. I am now a qualified nurse and wanting to potentially looking to try to own our own home. I have a student overdraft too. I have a couple of questions as I don’t know the answers. 1. Is it better to continue to pay the monthly amount…
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Offer made default but "partially settled" status offered
I defaulted on my Lloyds Bank account in 2016. The balance was £2,200. An offer was made to me after negotiation for around £1,400. I battled to get it lowered and have been offered the following: We're delighted to let you know we can accept the following amount to settle your account; Reference: XXXXXXXXXXAmount:…
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Joint savings account
If I set up a joint savings account with a family member (outside immediate family) would this create a financial relationship and affect my credit file please?
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Catalogue Debts, Very, Next, Littlewoods
Hi, A few years ago I was very silly, and I took out many catalogue accounts to pay for basic clothing/household item for myself and my children. I feel embarrassed about it, but I’m in a better financial position and am much more informed on finances! I’m hoping to get a mortgage in the next few years. My question is now…
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Fraudulent default not removed- mortgage
Hi 😊 I’m just looking for some advice regarding a default on my credit file. I found a fraudulent account with studio on my file which had been brought by Moorcroft resulting in 2 defaults on my Experian file ( one from studio one from Moorcroft (other credit agencies had only registered the Moorcroft default) I contacted…
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Mobile Phone Numbers and Credit Files
Greetings, does anyone know whether mobile phone numbers (not contracts, but numbers, specifically) are linked to credit files? That is, is a phone number associated with a poor credit history, and is it a marker when applying for credit?
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Credit Card Refusal
Have had a good rating 998 which I know doesn't mean anything. Never missed a payment on anything I've owed, never used my overdraft. Have enough savings to cover any C/C limit, yet I am unable to get a C/C to transfer from my current C/C. Wonder if the fact I am paying my motor on lease has anything to do with refusal. My…
