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Credit file & ratings
Archives for December 2020
Discussion List
ARGOS CARD CONFUSION
I cant seem to find the answer - Is this a store card or a credit card? From what i understand its a store card that can only be used at Argos but can act as a credit card to use at sainsbury's? Is this correct? If so it doesnt make sense, how can it be used as a credit card. What is the interest rate? How do they…
How long to remove something from credit rating?
My mortgage fixed period ends in a few months so I started to look at what options are available and one turned me down on basis of credit. I had a look and my rating is excellent with experian (only problem is less than 3 years at current address), but my partner has a very poor score. She is currently a stay at home mum…
CCJ Setting aside or pause action - Ordinary case Scotland
Hello, I am new to this so please forgive me if I do not use the correct wording. I am looking for some information on where to start please. I have received a citation from my local Scottish court for Volkswagen Financial Services to take action against me for this debt that is over 5 years old. I then sent there acting…
CRS Hassling me with texts, automated phone calls and emails.
I recently received an email from a company calling themselves CRS. They claim that I owe £16, this being a sum that they say is owed to Bristol Energy since I transferred to British Gas earlier this year. I responded to their email explaining that their claim was incorrect due to their claim that my debt was for gas…
Debt with fluid passed to Moorcroft but not defaulted?
Hi I currently have a debt with Fluid, and this has been passed onto Moorcroft, however a default notice hasn't been applied to the account. I just wondered what the procedure was for getting a default notice applied? I'm keen to set up a payment plan, but I won't be able to clear the account for longer than six years…
Credit limit/utilisation help?
Good afternoon, first post here however I have been reading quite a lot over the last few weeks. Great forum for advice. I have a set plan in place to gather enough money for a mortgage deposit. The deposit I require will take another 12-15 months of saving. So, in that time I want to get my finances in great order. My…
Help my sisters credit agreements are on my credit check
My sister received a letter for me at her address, i don't know her address so i have no idea how this happened. I was advised to check my credit report which i did nothing strange rang to ask advice and was told i need to check all of them, i didn't know there was multiple, so after some digging i have found on my equifax…
Debt still owed after CCJ expires after 6 years
Good morning my friend next door has a CCJ that falls off his credit report in Feb 2021....he has been paying the amount off monthly and this will clear the balance in July 2021. He’s getting the impression from correspondence from the solicitor...”Wright Hasall” that the full amount needs to be paid before the CCJ expires…
As long as you have not stated in writing that you owe the debt; or made a payment then they cannot
Is this correct for credit card debt which defaulted in 2015, Robinson Way/ Hoist have written offering a 75% discount, but I have never replied to their letters. " As long as you have not stated in writing that you owe the debt; or made a payment then they cannot take legal action against you to recover the debt ". The…
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