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ccj 1 year left
Evening, Back in 2015 i ended up with a CCJ due to a dispute with a company,I did intend paying it back but at the time I was at the beginning of an illness that wasnt actually diagnosed for another 18 months and wasnt able to work more than a few hours a week.A debt collection agency ended up involved and I ended up with…
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Do debt collectors have access to credit file?
Question for a friend of mine.. Do debt collection agencies have access to your credit report? If so what can they access, everything you can access yourself? can they see amounts owed to different companies? And can they see addresses??
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Debt statute barred but won't leave my file for another year?
I contacted Hoist portfolio recently with regards to the default on my credit file from them. they said they need to allocate my account to their partners Robinson Way so I could set up a payment plan. Few days later Hoist called me to say that the debt is infact statute barred (5 years in Scotland) and will drop off my…
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Can Customs Duty Tax Affect Credit?
Recently I was overcharged by FedEx for a package sent to me from the USA. The bill I was given by FedEx was for import costs and tax. I saw in a few places online that since the payment is made on behalf of you to HMRC (For the taxes, import, etc) by FedEx, you don't really have to pay FedEx because you did not agree for…
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Fraud accounts effect credit score?
Obviously i know it will if you do nothing about it! However I'm referring to the closed accounts which now sit on my credit file. I've dealt with these fraud accounts in relation to cancelling them but I now have a long list of closed accounts on my credit file, in addition to the open accounts which are actually mine.…
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Falsely reported address through Electoral Roll - Experian credit score unavailable
Hi, I've tried searching for a thread and couldn't find anything that would help me resolve my particular problem. Experian are currently holding incorrect information on my previous addresses. It is reported that I lived at my previous address and was not on the electoral roll (which is incorrect), and also reported that…
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Mana arrangement to pay
Hello, I wonder if someone has advice. I had 2 credit cards with mana which were put on arrangement to pay in 2008 one was paid off in full November 2013 and the other in June 2015 both cards show closed on my credit file but arrangement to pay markers still on, I thought they where removed after 5 years , they informed me…
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MIL collections letter - not my debt - what next?
Hi all, I live in a rented property, recently moved in (early Mach). Received a letter today which was addressed to 'Owner Occupier'. Wasn't sure if i should open it but did. It was a debt collection letter for Shell Energy from MIL collections. I haven't had an account with Shell Energy, and neither to my knowledge did…
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mortgages with a chequered credit history...pls help
Hi there, I'm looking for a little advice please when looking for a mortgage. I split from my husband at the end of 2015 - he had really poor credit so that meant car loans, credit cards....everything went in my name. He said he would help me pay off bills we'd run up....but low and behold he rode off into the sunset never…
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Default on Credit File with Wonga - July 2020
Hi All This is my first time posting so please bare with me. i was wondering if someone could help me. Me and my partner are trying to get a mortgage for a Shared Ownership house, but my partner has a default on his credit file that needs paying off before a lender will consider us. The default is with Wonga that came on…
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Co-operative bank - to registering for online banking one needs to do a Q&A from credit file and
just got a Cashminder (ie a basic bank account) with Co-operative bank and card etc has arrivedhowever to registering for online banking one needs to do a Q&A from credit file and that were i am stuck.they as 2 questions and give you multiple choice to chose the correct answer e.g. Q1 - In which month and year did you open…
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Linked address
Hi all, here goes.. I was supposed to update my delivery address in my next account but actually updated the billing account. As a result I now have a linked address to the delivery addressed as next have reported this (checked on credit karma). I have today updated my account to my correct address which was on there…
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Debt letter
Hello all. Can anyone help. I worked for the NHS September 2018. It wasn't the job for me so I left, got paid for the time i was there, but then the month after, i got paid again. Tried to repay it back. Cut a long story short, I have numerous emails over several months to try and repay the money back and had no response…
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Written Off Debt ?
Hello, I have a debt which is a default on my account back in Nov 17. I have paid some off of that debt and got the remaining figure to £5k. Since then the lender has written to me stating that the debt has been written off and they will no longer chase me for the money but this will stay as a default on my account for 6…
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Experian Complaint unresolved
After about three months of asking, Experian just can’t correct their mistake. They listed a credit card account as out of promotional period when it still had 14 months left to run so it looks like I pay minimum and not paying off the full balance therefore accruing charges and interest. I pay the minimum because it’s…
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Default applied by MBNA nearly 3 years after 'persistent debt' began - Advice re: challenge / FOS?
Hi everyone, this is my first posting so please excuse me if it's not quite in the right place... I'm just looking for some advice from anybody who has challenged MBNA regarding a default date. In 2012 I took out an MBNA credit card. I was young, earning very little and had pretty poor financial literacy to be honest. I…
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Credit score has plummeted
Hi, credit score has been very good for a few months after working on it for years. Logged in yesterday and out of nowhere it is down to very poor, !!!!!!? The only thing that had changed is a bought a phone direct from Apple with Barclays and I’ve used Klarna (not missed a single payment on anything) How can my score drop…
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No credit history
My husband has no credit history as he used cash to pay rent/bills in shared accommodation before we got together and when he moved in with me all the bills were in my name and we left it like that for convenience, he signed up for a credit score app which had him in the fair category so he took out a credit builder credit…
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will my credit score be permanently affected?
My bank address for main acc was wrong - 14 instead of 14a which mean my credit score was wrong for a while - it was 283 but went up to 430+ (on clear score) as soon as the change went through - how long will my lower score be on the credit file? I want to start getting a mortgage soon and don't want this minor error…
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Which mobile providers report to ALL THREE major credit reference agencies?
Hi guys. I'm looking for a SIM-only deal and I want it to go on all my credit reports. I know it doesn't have as much impact as credit cards but I still want it on my files. What is your mobile provider? Can you see that account on all 3 credit reports? Thanks!
