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Uber threats
Hello everyone, I'd like some sort of advice where possible please. Uber's trying to claim a 2nd £21 off me by saying I did a chargeback at the end of September for an order I placed at the start of August. The only reason they haven't just taken the money is because I changed cards in the meantime because my card details…
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Default following VT - Help
Hi guys, I had a balloon HP with FCA automotive which I decided to a voluntary termination on the 13th Feb this year. I phoned the company and arranged the VT and was told there was a outstanding balance of around £350 for "Value added products" but the vehicle also needed an inspection for any damaged, increased mileage…
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Couldn’t pay my ccj
Hi so I was given a ccj by an old debt from 2010, I couldn’t afford to pay the amount ordered by the court and the debt collecting company took me back to court. I had to send back a letter with all of my incoming and outgoings and the court then sent a letter to say I couldn’t afford to pay the debt and since then the…
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Missed payments 6years+
I thought that missed payments (and everything else) were removed from your credit history after 6 years - but I have some from further back from that still showing on my history. When I question this with the CRA they simply say the lender has confirmed the details are correct. I know they're correct, I didn't claim they…
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How long for new debt owner to notify CRA of notice of assignment?
How long should it take for a company that has bought a debt to notify the credit reference agencies that they are the new owner? One of my original creditors assigned the debt to a third party at the beginning of February, but didn't notify the credit agencies that the account was closed until last month and the new…
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When do defaults on my credit file come off
I have a few defaults on my credit file since 2016 December when will they go off off my credit score is 520 it states it is very poor and needs room for improvement I have two credit cards aqua and 118 but I got turned away for an iPhone last week from Three mobile. But in the last 4 years I've had a contract with O2…
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Personal loan vs credit card for big purchase
My credit score ranges from very good (Experian) to Stable (equifax) and good with Transunion. I have a mortgage of £800 a month, the usual household bills, and two credit cards, one with Halifax which has around £2000 on it and gets £200 a month sent to it, the other is MBNA and has around £4000 on it and gets £100 a…
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Will multiple SIM-only contract applications affect my credit rating?
I took out a SIM-only contract with Vodafone last month via a cashback site (Affordable Mobiles) and I've been pretty impressed with the data speeds. So now I want to take out another SIM-only contact with Vodafone (ideally via a cashback site again) to pop in an old handset and use as my home broadband, since it works out…
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new loan or extra loan
Hi, I need to raise and extra 10K for a car purchase, but not sure the best route, with all things considered like credit score etc. I can either pay off current 5K loan and get a new 15K loan or get an extra 10K loan probably from same provider? Any thoughts greatly appreciated,
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Joint account removal
Hi, I had a joint account with my ex wife. The overdraft in the account was in default. After we split all the debts she agreed to take this one on. We went through NatWest and got me removed from the account. However it is still on my Equifax report not only as defaulted with no date on there but also saying u still owe…
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Credit file, defaults and mortgage
Hi, new the forum but would appreciate some advice. I’ve recently paid off my debt, I’ve been budgeting for the past year and have really enjoyed it. I love seeing our money grow and we are definitely living within our means now plus saving up a nice healthy emergency fund. My credit file is atill recovering from the…
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Best Solution For Paying Debt Off With Best Impact On Credit File
I have a Barclaycard credit debt from quite a few years ago that seems to have been passed onto Linked Financial now for about £3000. I've got link Financial chasing me now. So far on my credit file, it doesn't actually show up adversely with an OK Status. But I have been working hard to make my credit file better and…
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Moved: Removing a CCJ
This discussion has been moved.
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Best credit file agency to use
Hi What's the best credit file to use in your opinion. I normally go to Experian but I resent having to make the monthly £14.99 payment just to see the occasional full file.
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Increasing credit limit to improve credit score
One of the negative factors registering against my credit score is that my highest credit limit on my credit card is £550. I was happy with a lower limit and I don’t owe anything on the card, but felt I had to get it to show that I was now being responsible with my credit. However, as the lower credit limit is impacting…
