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Admiral default notice, what do I do?
Hi, I had a payment that was due on the 20th of February. I miscalculated and didn't realise I didn't have enough in my account for the payment as something came out the day before which I forgot about, I got an email today and called Admiral up straight away and made the payment. I have never ever missed a payment on…
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missed payments still showing on credit file
I’ve been with stepchange for 14 months now with another 12 months to be completely debt free. I’ve not missed any payments paying my monthly payment each month and always actively checking my balances However when checking my credit file ( EXPERIAN) the balances are correctly reducing each month but since I’ve been on the…
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Credit Bureaus
Is there a list of all the different agencies who offer you access to credit scores? Obviously there is the Credit Club here, Credit Karma etc but who else is around? I have become a little obsessed with my credit score which I've recently had jump into Good in Equifax by paying down debt and lowering my utilisation but…
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Joint mortgage & Default
Hi, I’m wondering if anyone could help me out. Basically my partner and I are applying for a joint mortgage both have good incomes & are planning to put down a large deposit. Last year I got a default from one of my credit cards as the letters were going to my old home address and I never noticed it. Nothing I can do about…
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Default dates
Hi, When is a Equifax default removed? Date satisfied date Default date settled
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Can I be shown as late payments after a default
So I am asking a question on behalf of my wife who has a really poor credit rating all due to debts over 6 years ago however some she is still paying off. The loans she is paying off she defaulted on almost 6 years ago but has been paying off via a DMP. So the defaults are due to drop off of the original debt but these…
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Paying off debt to improve credit rating
Hi everyone just after some advice I currently have an okay but not great credit rating. I have around 8/10 credit accounts mainly credit cards and catalogue accounts totalling to about £13000. I am in a position to pay £9000 off of these cards but I am not sure what is best to do for my credit rating. Pay some off of each…
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Direct debits in someone else's name - credit score impact
Hi, I live in England and I would like to know what is the impact on credit score if I pay my internet bills with direct debits from someone else's debit card. Is it their credit score which is affected (since the money is coming from their account and is associated to a direct debit of theirs) or is it my credit score…
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Broadband contract transfer from someone else - credit score impact?
Hi, I live in England and I have just moved into a flatshare where the internet contract has been created 2 years ago. I want to change the name on the internet contract (which was in the previous flatmate's name) to mine, but I have seen that he kept making late payments. If I change the name on the contract to mine, will…
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Defaults
Help, united utilties refused my request to remove my default status to an earlier date, as they defaulted me 2 years after my missed payments. They say its policy give much opportunity to pay yet guidlines state default be within 6 months ive wrote to them complaining to no avail Whats my options get default moved back…
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Is a certificate of satisfaction necessary?
Hello All, I was going to obtain a certificate of satisfaction for a settled matter that I had to attend court for. The court want a further £14 for the certificate, further increasing the amount of money I've already paid. I'm currently receiving Universal Credit: I thought I had read that I wouldn't have to pay because…
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BT Nightmare
Where do I start... in 2018 I kept getting debt letters from BT from their collection firm. Id go through security and they said I failed security which was very weird. The letters and calls kept coming and each time id call same problem so they wouldnt speak to me. I found it odd as ive had BT for 15 years. Flash forward…
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Partial final settlement templates
Hi I fell into debt about 18 months ago due to ill health anyways we decided to sell the house pay off mortgage and downsize. Sold the house late last year and the guy rented it back to us for a year whilst we sorted out our next move. My credit file has 4 defaults on it totalling 17k Obv we dont want to eat to deep into…
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Credit score plummeted with no reason?
Hi everyone, I've just checked my monthly ClearScore report and found my credit score has dropped by 104 points in the last month with no explanation. The only recent change in anything has been that I have a new debit card as the old one expired, but I have had no emails about missed payments and there is nothing on my…
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Incorrect adress on my report
In in process of trying to improve my score/ credit report for possible future lenders. I had an issue with NatWest couple of years ago when NatWest changed adress on my account to some random adress where I had never lived. Upon discovery of this, the accounts were frozen and new cards issues and fraud markets were placed…
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Satisfied CCJ
Will a ' satisfied' CCj have any form of positive effect on my credit score? I don't know if I should just pay it or if I should set up a monthly payment. If there's no benefit to my score I might aswell just pay a small amount each month. Any advice would be appreciated. P. S the ccj is over the first month
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Debt collection agency and travel company
I had to cancel a trip to Italy last July due to UK and EU Covid restrictions, FCO advice and flight cancellations. I cancelled with the Danish villa company (Novasol) 46 days before travel, who then refused to refund £937 deposit and would not acknowledge my cancellation. My understanding of the UK legal position is that…
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Default added to report after 5 and half years.
Got myself a bit confused with this so I'll try explain best I can for now. Had a loan in 2015 (not for a huge amount or anything). I believe I paid the first instalment back then Defaulted on this due to life circumstances (long story etc) and it was never added to any of my credit files (Experian, Equifax and TransUnion)…
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Admiral Car Insurance Missed Payment
Admiral have told me they will be issuing me with a default and updating credit references with a missed/late payment. This is all because my direct debit wasn't able to be taken yesterday! They havent even attempted to retake the payment yet.
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Redress And CCJ
I have recently been successful with a redress claim against uncle buck who had issued a CCJ against me through moriaty law and the account has been cleared and they say they will amend my credit file. I complained about the CCJ to the administrator for uncle buck Harrisons and they agreed to waive the CCJ due to the…
