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Ex employer/ insurance fail to pay outstanding invoice leaving debt collecting pursuing patient
Hi, Looking for some urgent advice, over 2 years ago I was had some counselling which was covered by my ex employer under the private medical insurance, during the treatment I was made redundant which meant a stop to any further sessions, however the sessions I had had whilst I was in employment had 2 outstanding invoices…
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Default Notice from Argos
Hi I wonder if anyone can help. I’ll try and condense this as much as possible. I ignorantly fell behind on my Argos card payments this year after I lost my Argos card and lost access to the app. I contacted Argos for a new card that never came and I never followed it up. Payments due were only small, 14/15 etc a month but…
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Advice please - full and final settlements v emergency fund
Hi all, I am just looking for a bit of advice, please, and will try to keep my post short. I am currently on DMP which is due to end in April 2022 and have 8k left to pay. I have 5 credit defaults - 3 will drop off in July 2015, after I wrote to lenders and got the default markers moved to when I began the DMP. I'm…
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Search from company I don’t recognise
I checked my credit file this morning and I’ve had a soft search done by a company I don’t recognise. HOOYU LIMITED (Cosmos, Cr, Tso) It’s listed as an identity check. Ive applied for no accounts in over 6 months, this includes accounts such as bookmakers, catalogues, currency exchange etc as I know these can do identity…
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Impact on credit file after reduction in Barclay card limit / account closure
Hi, hope I'm putting this in the correct place! Barclay card have recently written to me and advised that from the 14th August they'll be reducing my credit card limit from £7,400 to £1000 and then on the 14th September be closing the account completely. I've noticed quite a few threads / comments that they are doing this…
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Delay in default - Lowell
Howdy all, Usual Lowell runaround.. As Credit Karma and Equifax says, I "missed" a payment on a phone contract in July 2014 then the account lay dormant till October 2014 and is marked as settled with zero balance. No default filed at all. Then there is a Lowell account which relates to this but it begins 1st July 2016…
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an old debt
Hi, I hope someone can be of help, I ran up a debt with a pawn brokers going back to 2015 which I forgot about and it hasn't shown up on my credit file as a default up to now, I contacted this company a few weeks ago to arrange making payments, I have already made a first payment to them and since then I have read online…
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Tenancy in joint names, questions
We have a tenancy in joint names, since the lockdown we have been struggling to pay rent will both our credit files be affected? what if one of us goes bankrupt will half the rent arrears be written off or all?
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Late payment
Hi I made a late payment on very, I was 1 day late. I’m worried this will effect my credit score now? When I asked was told to wait for next statement to find out
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UPDATING CREDIT SCORE QUICKLY
Hi I have recently paid off about £21k split between two credit cards. It has not yet made it's way through to my credit score. I am trying to take out a mortgage and this is causing an issue. I am wondering if anyone has been able to get their credit card company to update their credit file early? Many thanks
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MISSING MORTGAGE ON EXPERIAN REPORT
Hi I am applying for a new mortgage but have encountered a problem with my credit score. My mortgage broker has flagged up that my Natwest mortgage, which I have had since January 2019 is not showing on the experian report. I have Clearscore too and the mortgage does show on there. I have checked the mortgage documentation…
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CRS DEBT SOLUTIONS
I have received an email requesting payment for a loan taken out at the Moneyshop in 2015. I have no recollection of this loan and have asked them to provide proof. All they have sent me is an unsigned credit agreement. The debt has not been assigned to them and they have said if I require further information I have to…
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Sky Account Fraudulently Taken Out, Advice Please
Sorry if this is not posted in the correct section. My partner's mother has taken out multiple credit accounts ion her children's names without their consent or knowledge. I'm having great difficulty with Sky, she has ran up over £3,000 in debt with sky on internet, TV, phone and iPad contracts! We have only today found…
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Do pension contribution changes show up on Credit Score/Rating?
Hello My wife and I are trying to save for a mortgage deposit. I am considering halving my pension contributions for a year or 2, and putting the extra money into our ISA. The thought it that the bigger deposit we can get, the better interest rate, and so we will save money in the long term (and then put those savings back…
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Unknown CCJ - Northampton County Court
morning all I desperately need advice. I have been very ill and mostly bedbound since before the pandemic. I have been trying to move to safer accommodation because I'm to unwell to cope with stairs and sadly my 12yo cares for me alot me than I'd like tbh. I kept getting turned down for properties by agents and couldn't…
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Cancelling finance on sofa
Hi there, first time poster. Today myself and my partner got a sofa from Oak Furniture on finance without realising the interest on it (9.9%). We obviously want to now cancel this and go through a company on 0%. This was only done at about 5:30 this evening and we would not start paying until the sofa is delivered (1st…
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Black horse - 2 arrears being reported
Hi There, I took a PCP deal out and I actually paid half of the car, never missed a payment and gave my voluntary hand over of the car back. As part of that I have cancelled my direct debit which was £350 a month, and I have now got 2 arrears showing in clearview, however do not see this impact on checkmyfile. I called…
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Remove water bill default
Hi all, I appreciate any help at all you can give me with this issue, here goes: In December 2018 I moved into a rented flat, my landlord didn't mention anything about water rates and as they are often included in the rent for leasehold flats in the area I lived so I (foolishly) assumed this would be the case with the flat…
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How do I identify the source?
I am in the process of moving house and have obtained my credit file as a result. I've noticed an old defaulted account but cannot locate any information around origin or company. There is a partial reference number quoted and a company name of "Provident". After extensive googling, several emails to various companies with…
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Building credit score at 18 but can't get on electoral register
Hi having read it's important to be on the electoral role to boost credit score my granddaughter checked the government website which said a national insurance number was needed . Difficulty is she can't get NI number as applications are temporarily suspended due to Covid. She has been studying abroad and only just…
