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CCA lost
I have 4 debts all 6 years old with debt collection agencies they cannot find the CCA's how likely are they to turn up?
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Am I Liable? Old Sky Account opened in MY name in 2015 but used by future tenants
Hello, bit of a strange one! I recently got a text from a debt collection company called Capital Resolve who were contacting me regarding a debt I supposedly had with Sky. Initially I thought it was a scam, as I do not have a Sky account. However the next day I recalled that back in 2014/15 I lived in a houseshare where I…
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Received LCS letter
Good Evening i bought a property and exchanged happened 1st of May 2020. On the same day I set up my electric and gas with SSE. I received a letter from LSC addressed to ‘the occupier’ stated I owed SSE 400 pound for the period 2nd of jan to the 23rd of May 2020. Then a few months after another letter from them however my…
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Moved: CCJ sent to wrong address
This discussion has been moved.
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Financial connection
Had a question about financial connections, not sure if anyone can help answer this. If I check the MSE credit club (Experian) or Credit Karma (Transunion) credit reports, then I have a financial connection with my partner, as we have a joint current account with Halifax. If I check Clearsore (Equifax), they report no such…
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Provident delinquent accounts
Hi I have been trying to clean up my credit reports and have two delinquent accounts with provident financial and have recently satisfied these accounts with a partial settlement. Other than these accounts my credit history is pretty strong. I spoke to Experian regarding these accounts and they have told me that once they…
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Credit available and utilisation
Hi all, I’ve seen advise given on here and in the MSE credit file guide that as a guide you should have no more than 15k credit available to you and around 25% utilisation. Does this credit available figure only include CC, loans and retail credit like a very account or will it include overdrafts and car finance? Also…
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Moved: Credit Card Eligibility
This discussion has been moved.
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Lowell's closed account with zero balance but still registering monthly on credit report.
Hi, I have recently began to unpick my credit report. I have two account that sit with Lowell's. They have informed me that both of these accounts are shown as closed with a zero balance. They said this was done as a "good will gesture" in 2018. Not too much goodwill as one has resulted in CCJ which I intend to challenge.…
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Low credit score
I have paid all my debts off and have substantial savings my score is low I've heard if I borrow it will increase my score but I dont need to borrow ! I have a mortgage and all Bill's are up to date ! Any advice ? Please ! Just to comment two years ago I was in debt with credit cards and I took out pay day loans which I…
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Failure of HSBC bank to report data to credit reference agencies.
I just wondered if anyone else has had a similar experience and if so how they have resolved things? I have recently applied for a loan with my bank, HSBC, which was turned down. When I asked why, HSBC referred me to Experian credit reference agency. On reviewing my credit report, I realised it didn't have my main HSBC…
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TTI finance
Hi everyone, Has anyone had any contact with TTI finance at all? Their website is dodgy, the email for UK customers gets bounced back and when I do a search from the online all I get is the company trading under TTI finance went into liquidation in 2018. I'm trying to get my finances in order, I have a pretty rubbish…
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NatWest Credit Report Information
Hi, I was wondering if anyone could help with my current situation. I defaulted on 3 loans and a current account (with overdraft) back in December 2014 and then entered into a DMP and made my first payment in January 2015. I have recently been onto my credit report and the default date has been reported on all 4 accounts…
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Old Address and Utility Bill affected my credit score
Hello Forum, My partner and I are applying for a mortgage, however we recently noticed her credit score had been reduced by over 600 points. On further inspection it appears that her name remained associated with a Welsh Water account on a previous address. She was cohabitating at that time and her name was used by her…
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Credit score going down
Hi I am after some advice please. A couple of years ago I made an active decision to clear up my long running credit problems, with the help and advice of this site and many of its helpful members, I started with a debt relief order and started with a clean slate, HP car went back etc etc, 11 months ago I took out a credit…
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Credit Club Experian Access
I am new to using credit scores. Joined credit club in September 2020. I have so far read reports for September and October. Now when I log in my account says "Next update due 3rd October". When I select the Credit report tab ,I get the message "Credit Report Failed", I have tried for several times a day for days but get…
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CIFA and Hunter
Hi All, Hope everyone is keeping well. A couple of weeks back I posted about my Barclays current account being closed after only just being approved and no activity on the account, subsequently the same thing happened to the Barclaycard they approved me for the same day. Barclays told me that no info would be reported to…
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Delay in reporting
Is anyone noticing a delay in reporting for credit cards recently? Both Barclaycard and MBNA are about 3 months behind on all 3 CRAs for me.
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Stopping mobile phone payments
Hello there Due to current situation i am struggling with mobile phone payments on contracts these are 3 phones i took last year, the remaining balance is around £1000, £1200 and £1500 from different providers. they were taken for myself wife and worker. i have sorted my credit cards, now in regards with mobile contracts…
