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Ccj notice
Hi I’m after some advice please. About a month ago I recieved a letter from a business centre in Nottingham claiming I owed over 300 pound for a debt 4 years ago. They said that I had to pay otherwise I would recieve a ccj and or debt collectors would take my possessions. I tried to contact them after googling them first…
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Which CRA does Volkswagen finance use.
Does anyone know what CRA VWFS use for searches? Thanks :)
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Cahoot CCJ?
I have a debt with Cahoot for £1300 i stopped paying 3 months ago and asked for the CCa they have sent me the CCA and have threatened a CCj unless i start paying again i had a default for this 5 years ago. Should i ignore them or offer a token gesture each month. I don't want a CCJ and i am not sure how serious they are. I…
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What to do about old default
I got into a pickle a few years ago with a NatWest credit card, basically we had no money and were living off cards for food and bills etc. This card defaulted Aug 2020. It’s now dropped off my credit file. I’ve worked hard since to pull things round and my credit file has never looked better. Cabot now seem to have bought…
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Apply for a new card or not
Hello, I have been building my credit rating up and just managing my debt a whole lot better over the last 12 months, I have several credit cards which I pay interest on. I am now being offered balance transfer cards, albeit with initial small limits, but I'm worried if applying for a "new card" will affect the work I have…
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Default and CCJ Removal - Consent Order/Tomlin Order = Help!!!
Hi All, Just wonder if anyone can help or is it a loss cause. I've recently checked my Credit Report and Noticed i have 2 defaults (Attached) and 1 CCJ (Attached) all via the beautiful Lowell. 1st Default 2016 was from Shop Direct (LittleWoods) and moved on to a CCJ 2018. 2nd Default 2017 - Vanquis - No CCJ. Long story…
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Credit score following repayment of debt
A few years ago my girlfriend got into quite bad credit card debt to the tune of about £25K. What with monthly interest her situation was getting worse every month. I suggested she contact a debt company which she did. Arrangements were made with them for regular repayments with an end date which now expires in about 6…
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Debt to income ratio Too Low - will this impact mortgage applicaiton?
I got my latest MSE credit club report and it now says my Debt to income ratio is too low. .....then this amber status may be because you have little or no credit. Bizarrely, this can put lenders off, because if you don’t have any credit, they don’t have a reliable indicator of whether you handle it well. Without this, you…
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Getting more credit, would this affect my score?
I’m about to buy a new boiler interest free for 10 months, would this affect my credit score?
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Problems opening an account - possible inconsistency in address or elector roll
Hi all I have tried to set up several accounts in the last few months and each one isn't going through. This isn't because it's being declined but because they are unable to verify me. I have put in what I believe to be my correct addresses, but I'm not completely sure as have moved around quite a lot and can't remember…
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Best Action against Equifax not removing my Incorrect bankruptcy for over 3 years of Requesting???
Hi Guys, Hope you are all well and had a nice new year despite the current climate. Just looking at seeking legal advice against Equifax due to them being extremely difficult to get through to them and removing my incorrect bankruptcy through Carrington dean despite it never getting approved or to the courts as my creditor…
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Credit File and Paypal
Has anyone ever seen a ref to their Paypal account on their credit file? I have used a PP account for years and checked my credit file for years - no sign of Paypal anywhere. Does this mean the credit ref agencies are not bothered?
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CCJ - outstanding Debt with Commercial Banking
CCJ was issued 2014 and in March 2015 the debt of £21k was agreed to be paid back, concessionary agreement with agreed Commercial Banking, monthly payment of £149. Each year, a letter would be received from Commercial Banking, they would ask for a “Statement of Personal Details, Assets & Liabilities, Income & Expenditure”…
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CCJ on credit file marked as unsatisfied despite settling out of court.
Hi everyone, I'm looking for some advice regarding a CCJ I have on my credit file from 3 years ago. A CCJ was filed against me by someone I owed consultancy fees to. I couldn't afford to pay it at the time so I handled it all directly with the claimant over email outside of the court. We settled on a lower amount that they…
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Search showing them disappeared overnight
Recently applied for a mortgage the mortgage. Search by company showing yester on both men and hubby’s file but neither showing today ??? Why would the search have disappeared overnight ?
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Improve credit score with portify
Has anyone heard of Portify and is it say good for help improving your credit score?
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Default entry dates query
I apologise in advance if I come across as a bit thick. I was wondering if someone could clarify the following query please. If I have a default against me dated 18.05.2018 would this be 2 years and 5 months old? I have about 4 defaults (all paid up now) from 2018 and I’m trying to work out what a mortgage lender would…
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Wife credit rating plunge - completion due
With just over a week to completion of our house, I checked our credit reports to see if all still good. Got shock of my life when wifes score plunged by 100 (good to fair) because her credit utilisation shot up to 38% from usual average 15%. And she went over the card limit of £1000 by £75 as well. We rang my broker…
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Why are credit agencies solo slow at updating information?
I guess it doesn't really matter but I'm curious as to why it takes the credit agencies so long to update information. Or indeed the credit companies for that matter. I applied for and was accepted for a new card over 2 months ago now and not only is the account not showing on any of the three credit files, heck even the…
