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Can someone help!!!
Hi everyone I hope someone can shed some light on my situation that’s making me feel quite anxious.I recently entered into a DRO and it was accepted and started on 17 dec 2020, all of the debts were in my name only my partner is not aware of what I have done and I’d made the decision to keep it that way. We are not…
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Moved: Debt collection agencies
This discussion has been moved.
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CCJ & Financial Association
After a 6 year long slog of clearing off debt, I can finally see light at the end of the tunnel. However, i have a ccj that is coming up to 3 years old. It was for an overdraft on a joint bank account. It was sent to an address i lived in over 17 years ago (when account was set up) I moved twice since then and notified…
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Right to Buy title deeds
My Son and I are buying our home, I need to go on the Mortgage as the discount is in my name my Son will be paying the Mortgage as he pays the rent it works out a saving of £60 a week ( its a small mortgage ). My query is the deeds, can they go in 90% my son / 10 % to me as I will be paying nothing, I am concerned that if…
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Owner of LTD and personal credit score
Hi, i was wondering if anyone could help- i am planning to open LTD company and so i was wondering if being an owner/director of LTD would affect my personal credit score in a bad way? Or in any way? ( for mortgage etc) Further explanation of my situation: i work full time and want to continue working full time while…
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CCJ Didnt show up
Renting a property short term - Experian shows me i have a ccj coming off in 9 months time - I inform agency and they said landlord is fine to proceed after showing the reasons etc etc - proceed to do referencing and the referencing company informs the agency that 'there was no CCJ that showed up'....? Obviously happy…
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Equifax
Refused credit due to incorrect information on my credit report. Took 3 months to get it sorted and Equifax admitted liability (they had linked my report with my sister in law as we have the same name!). Now 2 more errors have appeared and Ive had to contact providers to dispute them. Does anyone else have this issue and…
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Purchases on Credit Card
So I finally have myself and my partner in a comfortable position where for now we can put small purchases on 1 credit card and pay it back in full every month. I wanted to ask is there any purchases that aren't 'healthy" to put on a credit card on a regular basis in regards to rating, file and or mortgage lenders in the…
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Best way forward from bad debt...
Years ago I amassed quite a chunk of debt. That turned into defaults as I moved to being self-employed and struggling with fluctuating income. That is now all paid off but, some of my defaults are still within the 6-year mark so, are showing as negatives against me. However, I'm being shown my score is almost being…
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Link Financial
Hi, Does anyone have Link Financials Bank details, I'd like to set up a standing order to pay them, but cannot find their details anywhere
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Uncle buck redress
Good evening, Just a quick question, had an uncle buck loan a while back, which I struggled to repay, and was passed on to moriarty law. It went to county court and I received a CCJ for the debt. I have a payment plan in place and having being paying the debt back.. At the start of January I received an email from the…
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CCJ’s after DRO
I’d be grateful of some advice please. Back in 2017 I had a DRO discharged and this included CCJ’s. I’ve recently sent an application to join a professional body and their rules state you must not have outstanding monetary orders, which I don’t, however my credit files shows the CCJ’s as active. When researching I’ve found…
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Debt repayments - better to pay off individually or consolidate onto my open credit card?
Hi all. after a long road of having stable debt (stable in as much as ive never defaulted and always managed to get by and keeping up my payments) I now have a Debt Free Date of 27.02.21. after this im saving for my mortgage deposit. I have 2 options in regards to paying my debts off. (Ive already paid around 13k off,…
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Transunion
On the multi agency check my file.com most of the defaults appear to be on transunion only ? Not on the other 3 why is that ?
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Chased for an old debt
In around 2006 i got a credit card from one of the banks, 2008 my business folded so folded so found it difficult to make payments for a few years. Around 2012 I stopped making payments and have had no contact contact with the credit card company since. I have had various calls and letters from a debt collecting company…
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Credit file letters
Hi , checking my credit file WITH CHECK MY FILE , what does US mean , unknown status ? What does that actually mean ? It seems to be after a D for default ? Does US mean it’s not active ?
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Moved: Asda online delivery
This discussion has been moved.
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Partial Settlements - Credit File
Is it possible to go back at a later date and pay the difference to get the 'Partial Settlement' annulled on your credit file?
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Default Drop Off Date
Morning everyone, I have a default dated 31 December 2015 - so should drop off my credit file on 31 December 2021. The default was settled in full in October 2019 - which is reflected on my credit file as well. I was just wondering how quickly the drop off will be reflected with the credit rating agencies - is it an…
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Bad credit score not my debt
Good evening. Myself and my husband recently applied for a mortgage as a fair few lenders are now doing 90% LTV. Not thinking anything of it we got told we couldn't get one at less that 85% LTV as one of us had a bad credit score? We don't miss payment, don't have much debt etc so couldn't believe it. I signed up for…
