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British Gas Headache!
Hi there, I’m hoping to get some advice on this as I seem to be going around in circles with it. British Gas put an occupier bill debt into my name without me opening an account with them. I had infact selected GNE as my chosen supplier when I moved in to the property. Who have since ceased trading. At no point did I…
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Changing direct debit date
Good evening. I have just amended my Sky Mobile direct debit (device only). I have noticed they have generated a bill to be paid in December which is double the usual amount. Looking at the bills, they aren't taking a payment for November. My question being, with Sky Mobile now reporting to CRA's - will this have a…
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Barclays bank / Barclaycard issuing account default due to their own errors
Hi all, So, i've got a very long and probably boring post for you all, my experience with Barclays/Barclaycard since November 2020. In November 2020 i sold a vehicle belonging to my Dad who moved to Cyprus in August 2020. During the sale of the vehicle the buyer was paying me in obscure amounts, £1,500,£3,450,£,1750 for…
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Virgin Mobile Reporting on Equifax Credit Report
Hello, First time I have used this Form, So looking to go for a mortgage shortly and noticed on my Equifax Credit Report that there is a list as long as my leg of missed payments for a Virgin Mobile SIM Card which I do not remember having and have 100% never used ! It says on the Report there is a £20 debt I owe them, I…
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Need Help - arranged overdraft and credit checks
Hello all, I will be entering a tenancy agreement soon. I have an arranged overdraft limit of £1000 with my lloyds bank debit card and I am overdrawn by nearly £120. My letting agent will conduct referencing and credit checks soon and I wont be paid till the end of the month. My question is does this affect my referencing…
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Updates to Credit Score
My money Market Credit Report shows an MBNA amount of around £3000 although this was repaid some while ago. The report says that MBNA updated this report on 30 August 2021 and it is now 13th October 2021. Given the importance of credit scores how can MBNA get away with such such a delay in their updating? A balance with a…
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Can I have this CCJ set aside?
Hi all. I am hoping for some advice on a CCJ I have on my credit record. The CCJ is from 2019, for an amount of just £346. Of course despite it being a relatively low amount, the CCJ is now being detrimental towards my chances of getting credit going forward. Due to personal reasons, I was completely unaware of the…
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Notice of Transfer of proceedings
I recently had a online money civil claim for £89 of which I paid. The claimant kept denying I have paid. I completed a N443 form with my proof but the claimant still insists it has not been paid. I have now recieved a letter stating notice of transfer proceedings to my local court. I have called the in line civil money…
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Debt Collector chasing 10 year old Credit Card debt
Hi, I hope you can advise, please when you get chance. I had a credit card with the bank of Ireland [Post Office] over 10 years ago - A debt collection company called Cabot contacted me last month to arrange repayments. I told them that I remember receiving a letter around 2011 indicating that they were not pursuing the…
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Default added years later?
Hi, sorry for the long post but really need some advice I took a TV out with perfect homes in 2014, due to a relationship breakdown/ being young and stupid/ other issues I couldn’t afford weekly repayments. I discussed this with the manager and he said that due to me having paid half the total tv price if I returned the TV…
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Been Asked To Prove a Default is Settled.. but company have gone bust
Just wondered how to maybe go about this. I have a default on my credit file from 2015, but the firm (Different Money they were known as) have since gone into administration some years ago. I've been asked by my mortgage broker to obtain proof that this default is settled, which I know it is, but I need something from the…
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Old Hilton Honors CC Showing on Credit Report
I took out a Hilton Honors credit card through barclaycard in 2016 to take advantage of a hotel offer. I used the card a few times and redeemed the offer in January 2017. I believe the card has now expired (not 100% sure as I think I cut it up some years ago), but it still shows on all my credit reports despite me not…
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Default Removal - Does it help your score?
Hi Everyone, My partner had a default listed on 29th October 2015, he settled it in 2018 and therefore I’m hopeful that it will be removed this month, with it being 6 years since it was listed on 29th October. Has anyone had any experience with a default coming off their report, does it make much of a difference to your…
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Credit card balance still showing on credit card
Hello, I cleared mt Barclaycard when the 0% deal finished in mid August. Looking at my credit report the balance is still on there. Any idea how long it takes to clear as I'm thinking of re-mortgaging and i guessmy file would look better without £6.5k credit card balance. Cheers
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Confusion over recorded full name
I’m not sure if this is the correct forum, but it seemed the most appropriate so I apologise if it is not relevant. For sake of explanation I’m going to say my name is Brian David *****. This is my birth name and that recorded by my employer, but my given name (or name I am known by) is David. As a result various credit…
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Default query
Hi all, I am new here. I have never had a default issued before and not sure of the best place to look for guidance. Can a default be issued 24 days from the date of a missed car insurance payment? The guidance suggests 3-6 months but I'm wondering if that is purely guidance rather than fixed. I I accept my error in…
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Employer affects Credit Rating?
Hi all, quick check. Can who I work for affect my credit rating? I am asking as considering joining a Human Rights organisation as a full time employee but someone mentioned this to me...thought best to check it out!
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Moved: CCJ against me for an insurance claim
This discussion has been moved.
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Improving credit ratings
I received an email from Credit Karma telling me my credit rating has gone up. Yay! I went to the website and found tips to improve my rating, there were 5 tips 4 of which I have already done. The 5th tip made me really angry because they're telling me to increase my credit limit. £4000 is more than enough for me and I…
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Can I remove this CCJ??
Hi everyone. After a 14 year marriage with a man who was financially abusive and controlling, I'm trying to repair my credit file. We split up in December 2017 and are now divorced. When we split up I had moved out to my mother's house with my children but I was still registered to the home I shared with my ex husband.…
