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Virgin Mobile - Delinquent Account for missing final payment ?
Just found out about this today and in a bit of shock due to it being so near to moving home ( well applying to borrow more money) !I checked my equifax report today to my surprise found a "Delinquent" account from Virgin mobile.This account ran from 2012 - 2015 , which i then rang up to cancel/close due to me moving…
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CCJ on file dispute
Hi I have just joined credit monitor and noticed a CCJ from 2017. I’ve contacted the relevant court and have been informed it’s from a minor car accident in 2016. My insurance company were settling the case either through 50/50 or paying the claim. I have emails to confirm this. I assumed it had all been taken care off, so…
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WDFC Loan on Credit Report
Hello all. I'm in the process of finally sorting out my credit file with the view to taking a mortgage out further down the line. I have an outstanding loan showing at £578 for WDFC, which I believe, is Wonga. I did take out pay day loans during a bad period around five years ago. I had the small % paid back to me after…
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Credit rating
I been refused on credit for some reasons, I have checked my experian file and it was showing my credit score 830, but on equifax it showing me 244. Why and how both files have different score even they have more of less same record of mine? I never understand how these companies work?
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BW Legal/PRAC help needed please
I had a payday loan from PayDay UK in August 2016 for £350. I never heard from them or paid them until July 2017 when they finally sent a statement for £930.00. After taking advice from Stepchange for my debt problems I wrote to Payday to make an unaffordable lending claim. I received no response. In January 2018 they…
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Does a company need to try and contact you first before putting a black mark on your credit record?
I had an alert from Experian the other day, to say that Vodafone had recorded a missed payment. This came as a shock because my Vodafone account was closed in March, settled in full, and I've never heard from them since. Bit of background to explain why I don't believe I owe them anything (tl;dr they screwed up my number…
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Bit of advice on fraud hard searches
Hi, I received an email from Clearscore on a couple of hard searches under my name and address. Nothing to do with me. Also something through Carphone Warehouse. I've contacted Vodafone and a number was set up under my name and address - I've cancelled that with them. Next day, discovered EE (via BT searches) had the same…
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Multiple Charges on House
Hi, Sorry this might be in the wrong category, just wondering if anyone can point me in the right direction! My mum has three charges on her house from different sources. If she wanted to start to try and pay these off or do anything about this, would she need to contact the court which issued them? She has just buried her…
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Wrongly applied CCJ by Erudio student loans - Help!
Hiya, first time poster so apologies if this is in the wrong place. Long story short, I have a CCJ against me from Erudio student loans which was applied in 2018 (I graduated in 1996) I have never earned enough to start repayments, I missed my deferment deadline once, maybe twice so did have some payments taken out which…
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Technical Question Default Drop - Off
Hello all, I am new to the forum and would be grateful for any help any of you could give me with a technical question regarding a default dropping off a credit record. Hypothetically, If a default is registered on 30th September 2014, the marker shows as a default for that month. My question is, six years later, does the…
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How Long Will It Remain On My Record?
Good morning everyone, Years and years ago I had a Vodafone contract, I came out of this early and, as far as I was aware, paid up the remaining months. At the end of 2018 my husband and I tried to get a mortgage but we were told that my credit score was too low. It turned out that Vodafone hadn't taken my money! After a…
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Credit score ruined due to deceased fathers debt, please help!
Hi, So I am 27, and I only just decided to try and start taking control of my finances (better late than never ). I decided to apply for a credit card.. and about 3 failed applications later I finally checked my credit score and to my astonishment I found myself to have a extremely poor score of around 550. I found that I…
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Transunion are poor!
I'm getting sick and tired of them. I've opened case after case. They correct the errors, the information goes and then comes back again. I have to open ANOTHER case about the same issue that was removed but now back. Accounts years old and closed still showing as active. They removed this account, its now back. Suddenly…
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Refused Bank Account by Santander
Hi - I've just been refused a current account with Santander. They say it's got something to do with information provided to them by Experian. I think this must be a mistake - I just checked my Experian Credit Rating and it's 992 out of 999 - they term this "excellent". Also I already have a Select account with Santander -…
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Unauthorised credit check
I split with my ex over eight years ago. She has applied for a mortgage and I've been credit checked by the lender. Does anyone know if this is because we had a joint mortgage previously, or should I suspect fraudulent activity? I called the lender and they wouldn't give me any info. Surely I have a right to know why a…
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Will cancelling national trust DD affect my credit rating?
I have been a National Trust member for several years but now wish to cancel. I am aware that by not getting round to doing this at the start of the year I have probably started a new "agreement" and so strictly am expected to pay the monthly installments for the rest of the year. If I just cancel the direct debit (I have…
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Moorcroft debt recovery not stating debt has been paid?!
Hi guys and girls, need your help please! My girlfriend got left in debt by an ex boyfriend for a car and defaulted so debt was passed onto moorcroft debt recovery, she has been paying this now for 2 years solid and checked her credit report and it has stated a default every month!!?? Debt was with Halifax originally, she…
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Where do I even start cleaning up this mess?
Hello! I need some serious help in where to get started cleaning up my mess of a credit file after living overseas for the past 5 years; and paying no attention to it. Current score is 175. Here's where it stands: * One CCJ, court date 2017 * One CCJ, court date 2015 * Two Defaulted Accounts, last updated 2018 * One…
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Get rid of old high interest credit card?
About seven years ago, while dealing with mental health problems, I defaulted on a credit card (I had the money to pay it off but I was too ill to deal with money issues). Five years ago I took out a new credit card with a high-interest rate (APR 34.9%) and spent money on that card and built up debt. I have worked really…
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Virgin Media marking a late payment on my credit file, but the error was theirs.
Hi,I became a Virgin Media customer last year. When I signed up, they got my bank details wrong for my direct debit, which resulted in them not being able to take my first payment. The error was at their end. I contacted them immediately, found out they had bank details that were nothing to do with me, and gave them the…
