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Advice re Setting Aside Order
Hi all It recently came to my attention that I had a CCJ from a private parking company three years ago. I was unaware of this as I had no fixed abode at the time and was sofa surfing w/ depression. Having fixed my life it came up now that I'm applying for a mortgage and this £250 CCJ is my only stain. I've written to the…
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2 Defaults - Can I get a mortgage?
Hello, I'm hoping for some advice. Me and my partner are hoping to buy a house this year. We will both be FTB's. I have 2 defaults on my credit file. One from 4 years ago and another 3 1/2 years ago, but combined they are worth about £500. One is settled, the other is now paid but not been updated just yet. The defaults…
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Notice of Disassociation - Questions
Hello, first time poster here. I did some searching within the forum and couldn't find an answer to my questions, so would be very grateful if someone can help me please. I want to fill in applications to the three credit reference agencies to get myself financially disassociated from my ex-spouse. The problem I have is…
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Credit
Hi there Currenly I have just cleared my next account and cancelled credit cards that had zero balances. I have one card which has just Over £2000 on which I we can afford however I’ve attempted to get a zero balance transfer recently and not accepted? Would the cancelling of cards /zero balance on next account have an…
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No contact from lender, what’s my rights
My boyfriend was honest with me in June 2018 and had taken a few pay day loans. We applied for a mortgage and obviously he couldn’t get one. It’s all in my name. I asked him for a list of all outstanding, we paid all off and we have signed up to clear score and 2 applied for a credit card for him and 2 and a half years…
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Hard Searches
We are a family of 4 that have contracts with Sky mobile for the various phones & iPads the family uses. We are in the process of looking at getting a bank loan for some home improvements. When I check my Clearscore it is, correctly, flagging multiple hard searches for credit from Sky Mobile over the past year as phones…
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Son not paying uni rent and I'm the guarantor
My son is 24 and in his last year at uni. Our relationship is not great ( long story) and he has not been communicating well with me, or any other family, for months. He will occasionally texts if he needs something urgent but that is all. This morning I have had an email from his uni accommadation. It was addressed to him…
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Help Information please
Hello not been on here and posted for a while however all going good now and debt and mortgage free living the life it can be done. However trying to help a friend and he is repaying Lowell and Link (he acknowledges and is repaying the debts) but neither appear on his credit files or checkmyfile. Would these affect his…
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Financial Disassociation
I have signed up to checkmyfile and requested a financial dissassociation. It says usually get a response within 28 days. Does anyone have any experience of this and if it is often done sooner? I only found out by being declined my DiP - they said it was because a financial associate had defaults. These associations are…
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Help with electoral roll address issue.
Hi. I wonder if anyone can advise me on this issue, because I feel completely lost as to how to sort it out. I was applying for my first ever credit building card to build up some credit history but was rejected. I have also had issue in trying to create a new savings account with Atom bank, they were also unable to verify…
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Credit score after fraud
Hi Guys, any and all advice is appreciated. So, last year my ex, at her new address (completely unrelated to me) received a few letters from debt collection agencies chasing me. Long story short someone had taken 2-3 mobile phone contacts (?) out fraudulently using my details. I spoke to EE and o2 and both agreed to write…
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Applying for credit and confused about my address history on credit file
Hi dont know if this is the right place to post so sorry if not. Anyway I just wanted someone's opinion on what date I would put on application when applying for a mortgage. I have lived at current address for 11 years. However in 2015 I moved out for a few months as me and wife had a break. My bank statements was getting…
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Debt collection letter from abroad
Hi I’m December I ordered some perfume and paid for it after ordering I realised it was from a company I’m Germany anyway I paid the item for it after several weeks of not recurved in and emails back and forth they refunded my money has they said it couldn’t be delivered any was a week or so later whilst I was at work the…
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PRA group discount?
I have just settled 2 debts with Cabot at 35% after initially being at 60% before I negotiated with them. I have a debt with PRA group which I have the CCA for and they wont discount it at all. I stopped paying this 3 months ago. Anyone had any discounts off these guys?
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Moved: Furlough after Maternity- vulnerable
This discussion has been moved.
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Moved: Letter threatening CCJ to ‘the Occupier’
This discussion has been moved.
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Advice on an 11 year old debt that nobody has collected
Hey, Really need a bit of advice for a bizarre situation if anyone can help :) I was still a uni student 11 years ago in 2009. I applied for and was approved for a NatWest student account in 2009 with an overdraft of £1200. That same year my car broke and I had to get a new one. I paid for half of it with cash and the…
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How do I find all my credit accounts ?
Hi I have really bad credit but am wanting to try and start paying some debts off to start to improve my credit score. How do I find a full list of all my debts? I signed up to Clearscore and also Experian but there are only a few accounts showing on there and I know over the years I have loads more debt than it is…
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Help needed
Hi I have quit few debts defaulted on me in 2016 they are all registered around same time as that's when I was behind payment for more than 3 months. All of the debts have been sold of to DCA apart from 2 that are with catalogue companies and they are still showing open. On mu credit report they showing green so assuming…
