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Debt Collectors on credit file
Hi Everyone I was the victim of identity fraud last year and I have noticed that a debt collector has done a hard search on my credit file to chase debt that I dont owe. EE have shared my personal data with them and now I have a mark on my file from a debt collector. Is this search anything that I should be concerned…
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Will I get funding for PGCE now that I've discovered an old student debt resulted in a CCJ?
Hi, I studied for 2 years in the early to mid 90s and left mid way through my degree as I fell pregnant and my partner threatened me with physical violence (he is not named on the birth certificate and CSA never recovered any monies from him for this reason). I had some contact with the SLC and advised them of my…
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Lowell
hi can someone help I received a phone call out of the blue from Lowell claiming that I owe £700.90 to Littlewoods/shop direct from a transaction over 5 years ago. I have never bought anything from Littlewoods so at a loss what to do. I questioned an an address on Noddle some 5 years ago which was in Dagenham and Noddle…
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Debt to income ratio mortgage
Hi Debt to income ratio is an issue in my mortgage application. One issue will resolve itself when my credit report updates this month. However One very specific thing is I have a loan which had monthly payments of £300 over 84 months. I paid a chunk off last year and so the monthly payments dropped to £97 per month. On my…
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Small Claims - question
A friend wants to use my address (as in c/o my address) to file a small claims action as they dont have a UK address currently. Are there any negative implications for me in agreeing to this, does anyone know?
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Shop direct finance missed payment
Hi I have just checked my credit file for the first time with check my file and have a missed payment from 2018 from shop direct finance, I understand this is very but I have never made a late payment in the sense of missing a payment, I have done buy now pay later and always paid before the date ended. I have looked at…
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Is there much discretion for banks to remove missed payments on credit record?
I have just been given a missed payment on my HSBC credit card and I feel its a little harsh, although it is technically my fault. This is a very simple version of what happened: I had £500 on a credit card and the minimum payment was £50. I was refunded £200 by a company back to my credit card, which I thought covered the…
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Known Assosiates
Hi, im about to sell my house who I own with my brother, I was wondering at what point should I try get him taken off my file as someone who I have a connection with?
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Car insurance
Hi Recently renewed my car insurance with Esure decided to take the monthly payment option having checked my credit score this has been adversely affected by 30+ Points having looked into this apparently this is just for having it paid monthly this is now classed as a new finance account effectively a personal loan Spoken…
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Natwest - 5x Missed Payments
At the time of the event back in March, our mortgage was paid through a joint account which we top up each month. We unfortunately missed 1 Payment in March, due to not topping up our account in time. Covid then struck, and although we were able to make every other scheduled mortgage payment throughout the Pandemic, we had…
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Mortgage Co hasn't added my mortgage to my credit file
My 2 year fixed term mortgag with HSBC ends this month. HSBC has failed to add the mortgage to my credit file. Credit file is good on some and fair in others, so I have been trying to improve it by getting HSBC to amend my record. Been trying since June and despite many phone calls and emails, they have 2 months later,…
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Default Notice 7 years into a payment arrangement
Hi, I had a debt with studio from 2005, ran into problems 2010 with balance around £4500. I can’t recall if they issued a default notice then but as it was hugely behind, they should have. I made an arrangement to pay £20pm and they agreed and it’s been paid ever since and still is. No payments missed or late. They sold…
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Moved: Debt Help!
This discussion has been moved.
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Soft search by william hill - what could this be for?
Hi allJust checked my credit history on Credit Karma, and on 11.07.20 there was a soft seach by "whg (international) ltd t/a william hill" for the purpose of "anti-money laundering".Any idea what this could be, and anyone else had one? I know nothing bad will happen, won't affect me yada yada, but I'm curious as to what it…
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Perfect credit score, but unable to get credit
Morning allI currently have 2 loans amounting to approx £14k and a credit card at about £3k. My total payments on these three are quite high each month so I have been looking into ways of reducing my monthly expenditure to make it more affordable for me (I have no other debts, no previous CCJ's, IVA's or anything like…
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Monthly balance massively overstated in Experian report
Just checked my Experian report via the MSE moneyclub. All looks ok, except the monthly balance on my Halifax credit card is massively overstated (between two to four times the actual balance). The balances for this card look fine on Equifax. I'm applying for a mortgage in October, so with affordability being one of the…
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Searches on credit file
I was just checking my credit score and there have been 5 searches by insurance companies this week. I'm a bit worried by this as I've not applied for insurance or any form of finance. This hasn't happened before, why would these suddenly appear, I'm worried about fraud, is someone using my details.
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Default drop off
I had 2 defaults drop off on the 28th July how long will it take for my credit score to improve?
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Salary sacrifice
Hello, I’m trying to boost my credit score and would like to take a loan out to buy a car but the loans available to me are high APR. My work has offered a salary sacrifice with a good APR % but I’m wondering does this go towards helping my credit score because I’m not physically paying the money, they take it it off me…
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Moved: CCJ by Parking Eye removal advice
This discussion has been moved.
