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Vodafone accidentally gave me a CCJ
In 2013 I had a mobile contract with Vodafone. October 13, they’d extended it for a month for me and agreed it would automatically close down after 30 days. In 2015 I was contacted by a solicitor for a debt of around £400. I spoke to Vodafone who accepted liability, apologised for the inconvenience and assured me I’d hear…
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PRA group full and final
Hello, I have three outstanding debts which have been managed by a DMP with SC for over 15 years. I know owe just over 9K. This is split between what was a loan and overdraft with 1 bank and a cc originally with Egg. Egg many years ago was bought by Barclays and then sold to PRA. The other two had been managed in house…
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How does MSE Credit club work?
Hi, Does anyone else use MSE credit club? If so, does the summary page - the one that shows your score in the top left hand corner and the summary beneath update before your actual report. I am trying to work out why my summary suggests I have a late payment when my report doesn't show this. I assumed that the summary page…
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Pay extra on defaults or save?
Good afternoon, Unfortunately a few years ago I got myself into a lot of trouble with credit card debt and loan debt, resulting in 4 defaults that are now just under 3 years old. I have successfully paid off and closed 2 of the accounts but currently have £17k left to pay. I am in the lucky position to be able to pay money…
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Marriott data breach
I'm angry with Marriott! Despite having gone to extreme lengths to get them to provide me with information on the personal data that they hold on me, and which they admit has been accessed by some third party without authorisation, they are refusing my request to delete this personal data from their records. This is what…
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Do personal information details such as a minor name change affect credit ratings?
I'm finding myself in an absolutely bonkers situation. I had a text from my mobile provider saying that some discount of which I was previously unaware was going to expire in June. Our phones are out of contract and getting a bit slow etc so I thought we'd upgrade them because new phones would be cheaper after this…
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confusion of credit file - MSE credit club/experian
Morning guys I am a member of the MSE credit club and received an email this morning telling me that my credit report had been updated.I have logged in and my credit score has dropped by about 100 points. On the summary page it says I have one or more missed payments however I have been through my report and have checked…
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Removing Defaults?
Hello all, hope someone can help. 2 years ago I suffered a brain injury and have memory loss. I have a support worker now who helps me with things and they helped me getting my credit file I found 6 defaults in few months, from accounts in the last 2 years. I've never had bad credit before and it's because I keep…
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credit karma
Just done my weekly check on credit file and just noticed an update In my file I have 2 accounts showing as caversham finance trading as brighthouse, I have never had any dealings with brighthouse, on clicking in it shows another Mr Steven brown with a date of birth as 1966 living in an address in Bristol I Am Mr Stephen…
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18 year old nephew in financial difficulty
Hey people! Feel like an owl here, mentioned to a family member about this forum, and now I’m being asked to ask another question lol :| Okay, so I have an autistic nephew (for reasons he can’t use the forum himself, so I’m doing the asking). basically, he has set himself up, and is in a serious financial badship, for some…
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Payment status set as arrangement to pay
Hi I have a loan which I took an arrangement with due to an accident and losing my income for 3 months. I’ve always paid the arrangement and back in feb 20 I resumed normal payments. I’ve offered to pay the arrears from not making full payments for those 3 months and asked they change my credit file patents from…
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Credit rating dropping due to COVID?
Hi, has anyone else noticed the above? Experian (not me) updated my status to unemployed.
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Intrum credit reporting
Ive been working through my debts for a while now but I’ve just got a question about Intrum if anyone has dealt with them before. It appears they are sending a default through every month even though payment is made every month by direct debit, I’ve had the account with them since Mid 2015 so was hoping that just over a…
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Advice on my credit score
My credit score is now 272, and I’ve been trying to increase it. I had 6 defaults all outstanding from november 2016, I have now paid off 4. So I settled 4 this month. Everything else is on track, no searches, less than 50% credit utilisation and recent car finance at a good rate. My question is how much impact will the…
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Moved: Please can someone help me and give advice on CCJ
This discussion has been moved.
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Partner looking at debt management plans
Hey people! Myself and partner are looking at purchasing a house soon (first time buyers). the plan was for myself to apply for a lone mortgage as my overall credit, and financial position is in a better way than hers. We’ve made a decision to hold off a few months and to apply for a joint mortgage application, my question…
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Linked address becuse i was a billpayer.
Hi All. Virgin media have linked my address to my brothers account because i paid a bill on behalf of him. My brother got adverse report and now this is effecting me. They say its a financial link. How can a bill payer be financially linked. Ive got proof in message and via telephone conversation that states i am the card…
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DMP what Avenue to take?? 5 years on..
I am in a DMP with stepchange. I owe £8k. I have paid £140 pm for 5 years. I was at £18k to begin with. I have 5 defaults. 3 drop off next month. Part of my debt around £3500 is to a credit union. I want the DMP gone asap as I want to remortgage soon. I have £3500 I can get off my father. Should I offer £3500 to settle the…
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Experian debt to income ratio
Can someone please help. My Experian score is very high but for some reason my debt to income ratio is very poor. It says I am unlikely to have any disposable income. My total debt is only usual credit card spending (paid off every month) up to a maximum of about £300. My income is healthy. A lot of Googling has told me…
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Lloyds group and credit reporting
Was just checking my latest alert with Credit Karma and saw it was about a ‘balance increase’ on Tesco card. Makes sense as I’d done a BT to them a week or so ago. However 2 of my Lloyds group cards, namely MBNA and BoS are still showing a large balance despite being paid off months ago. Seems they haven’t reported any…
