-
Husband's CIFAS marker
This discussion was created from comments split from: Husband's CIFAS marker.
-
Financial association with ex partner on closed account
I see from the sticky that a bank account which defaulted and was closed will take 6 years to be removed from my credit file. The account in question is a joint account with the ex partner which had an overdraft balance of about £1500. It defaulted after I was made bankrupt in early 2019. I have no financial connection…
-
Defaults - what happens after 6 years
Hello I'm sorry if this question has an obvious answer but after searching online I can't find a definitive answer. I have lots of defaults on around 8 credit cards - the balances of which have mostly been transferred to other agencies now. They all defaulted in around 2021 and I have been making token payments for a some…
-
Closing down an old bank account
I have had a bank account for almost 10 years which I no longer use. I am inclined to close this down as I have several other accounts I use on a daily basis. The only thing that is holding me back is that Credit Karma says that closing down that account could have an impact on my credit score. I know well that is only a…
-
Credit Protection Association Limited
Not sure if I am posting in the correct board so I apologise in advance if I am. My Dad received a letter today from the Credit Protection Association Limited bringing to our attention of a debt unpaid. No details of when the debt was from, just the name of the company and the amount. My Dad has dementia now and so I took…
-
CCJ variation date of judgement reporting
Hi, In 2019 I defaulted on a credit card. It was sold to a debt collection agency in 2020. In 2020 a CCJ was issued for £8,500. I spoke to the debt collection agency in 2021 and was told the amount had been revised as the original creditor had overcharged interest. I did not engage with the debt collection agency and moved…
-
CCJ, defendant moved address.
Hi all, Following placing an order with a UK based company for approx £1000 and never receiving goods, I made a county court claim against them. ( According to online reviews they have done this to multiple customers in the past) 10/24 Claim issued 12/24 Defendant changed address 01/25 County Court Judgement granted I have…
-
Experian Subscription - NEED TO CONTACT EXPERIAN!
I have recently had multiple credits from Experian in to my credit card account. I seem to have been paying £14.99 a month to Experian for what I wrongly assumed was relating to my ClearScore account. Looking online I can see no link between an Experian subscription and the free ClearScore app. This is a big mistake on my…
-
Can't login to Experian to stop subscription. How to contact them?
I can't login, which is strange because everything was securely noted and I'm just copy and pasting. I can't find a way to contact Experian. The subscription is for creditlock and reports which I can't access now. What if I cancel the credit card?
-
100 point credit rating drop after new ee home brand and mobile phone upgrade
1st time poster here, and I'm at a loss. My credit score was 900+ somthing until I got my 2 teenage sons a long over due mobile phone upgrade a couple of months ago and trying to save a few quid switched broadband provider to ee as well. Now its dropped from 907 to 818 and as it is 742 was as high as 925 12 months ago. I…
-
Defaults and partial settlements
Hi, I have a few debts that defaulted over 6 years ago and have therefore now dropped off my file recently. I have still been paying minimal payments towards these. If I was to offer a partial settlement on these debts would that then show on my credit file as partially settled? I am under the impression that since these…
-
CCJ - Application to set aside - Court date set - Please any advise on what happens next
The claim was originally received by me on April 17th 2023 by post, however is was dated 31st March. I responded to the claim by email advising that the 7 days had already passed and asking for assistance in what I can do next as this was out of my control. I received a response on 12th June advising that my defence had…
-
Using Credit Card to create/improve credit 'rating'
Daughter recently tried to get a car loan as hers unexpectedly broke (just after we had paid £800 for other repairs!) - the APR she was offered was high and we didn't go ahead with it following the initial 'soft quote'. Guessing it was high because aside from the a sim (£10) she has never had any other form of 'credit' or…
-
Credit Score - BNPL
I am thinking to use Paypal Pay in 3 to split the cost evenly for an expensive purchase. Could buy now pay later impact my credit score even if all payments are on-time?
-
Poor credit rating cycle
I’m in a cycle of passing loan /balance transfer checks checks in terms of affordability but not credit score. The reason is that I’m using over 90% of my balance on cards. Because of this I can’t seem to get approved to do a 0% balance transfer or loan to pay off. And I’m struggling to reduce the balance since the…
-
octopus reported missed payment but not missed!
hi, so octopus had backed-billed me for 9 months as there was an issue with gas/ smart meter reporting. i usually pay bill every month by logging on and paying with debit card. when they back-billed me they added £1000 to my account which i could not pay in one go so spoke to them and paid this off over 3 months and i have…
-
Credit Lock Experian
Hello Due to a data breach at my work I was offered Experian Plus free of charge. I had applied the credit lock to my account. It was offered for a year. This has now expired and I am not sure if the credit lock is automatically released or stays in place? I cannot access the account fully without applying for a free…
-
PCP 50% VT
Hi I no longer want to keep the car as it no longer meets my needs as it’s EV and I no longer have access to a charger after a divorce. It also has zero change of meeting the GFV… we but any car have quoted £14500. I contacted the finance company as I have reached the 50% paid stage…they are saying to terminate it will…
-
Defaults open on credit file
I have two defaults on my credit file from 2017 and 2018 , aren’t these meant to drop off after six years? There is a section in borrowing on the credit file, open and closed, these two defaults are in the open section and I don’t understand why. Currently I cannot challenge this as I cannot match my details so do I have…
-
BT & Lowell
Hi looking for help - I owed BT £43 I stepped away from being a customer for a month and rejoined and started my account with them. I was unaware I had a balance of £43 for equipment not returned I can’t find the proof of postage and we are some years on. I only noticed it when I started being contacted by a company called…
