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Bank Account/ Help
I’m having a tough time opening a current or basic bank account. I’ve checked my credit report, and it seems like my score isn’t the best. I’ve also checked with UK fraud agencies like CIFAS and others, but there’s nothing on their records that would prevent me from getting a bank account. It’s really frustrating because I…
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is credit file live
i have a question , i understand that lenders update to experian etc monthly …but is my file “live” as in applied for a mortgage recently paid a loan off , but it’s not updated on file , so is my credit file live - but only updated to me monthly
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AutoMoney Motor Finance Possible Fraud Going On!!!
I want to show you how companies sell your so-called guarded legal credit information and how they treat you and how they possibly fraud you, and how hopefully you maybe can help me. I had a legal car agreement that I signed with London & Surrey Motor Finance Limited in May 2016, cannot find paperwork, but have emails to…
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Dealing with a CCJ
Hi all, would like to ask for advice on this. I’ve recently noticed I have a ccj that appears in the credit karma and ClearScore apps for just under £300. There is a case number but the claimant is not shown. The issuing court shows as CNBC which leads me to believe it’s a default judgement. I have tried calling the cnbc…
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Santander closed account - Synetics Solutions Fraud Alert
Hello - I recently opened up a Santander bank account and after going through the agony of actually being able to set up the internet banking they froze my account and asked me to call them. I phoned and was told I needed to go into branch and brin Photo ID which I did. I was met with a very scared looking reaction when…
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Debts incurred using my address
I was widowed during lockdown and my husband's brother travelled from overseas to attend his funeral. He stayed for a couple of weeks in my house. I have received several letters from a bank informing me of an overdraft in excess of £10k and a credit card (again in excess of £10k) I opened the letters as they appeared to…
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Do lenders see total credit and spent ratio?
Not sure if this is obvious, but say: I have one card with a £2k limit. I have a second card with a £2k limit. I spend £3k across the cards on a holiday, so I'm utilising 75% of my available credit. If credit card one gives me a credit limit increase to £4k, then I'm utilising 50% of my available credit limit. Say i want…
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Frasers + have notified a bad debt on an account we didn't open.
So my wife got a letter out of the blue a few months ago saying she was overdue a payment on her Fraser's Plus card, and if she didn't pay it they would notify a debt collection agency and notify her as a bad debtor. The thing is, she has never opened a Fraser's Plus account. Assuming it to be a straight forward error, she…
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Default Applied Date
Hello All, Newbie here looking for advice... I have an old outstanding loan that was taken out in 2016 with Ratesetter, during 2017 i hit financial difficulty and was unable to continue making payments, My last full payment was made Dec 16... After little communication I received a default notice from Ratesetter in July…
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Raising credit rating for vehicle finance
I'm going to be needing a new van for work shortly ideally euro 6 as we have a low emissions zone near us. These vans are around £12k however other than zuto at 40% Apr no one will touch me. Am I whistling in the wind I've an old ccj from over 2 years ago which I satisfied 3 months ago and a default from 3 years ago. I…
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Should I dispute
Hi so a while ago (over a year) I voluntarily handed a car back to the finance company they have not sent any more info in that time I then got notice of a fine for no tax which I disputed and won several days later I got a letter stating that the collection company had sent the car back to the finance company issue I have…
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Missed payment
Hi I have been sorting out my debt but I have an old bank account which I was overdrawn on. I did pay the overdue amount, and it shows as zero balance but it still shows as a missed payment every month. i thought they are meant to report it once, but it’s a new missed payment every month. Is that right?? thanks
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Lowell Chasing small BT debt (possibly)
Asking for some help! Just received a letter in the post from Lowell - they say they have brought an outstanding BT debt and are encouraging me to pay it. There is an accompanying letter from BT confirming the same. Total amount "owed" is £ 25.00 so not a big deal in the overall scheme of things However, despite BT…
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Incorrect default - company now out of business
Good afternoon, In August of 2018 I bought a household product through Perfect Homes. I fully paid off with monthly payments. I bought two more products in the following 3 and a bit years. I just had an alert and suddenly a default is showing for the August 2018 purchase and due to go off in December of this year. The…
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How long do loans stay on report?
Hi. I'm planning to apply for a mortgage in the next few years. I understand that accounts stay on your report for 6 (?) years. Is this 6 years since the account was opened, or 6 years from the last payment/account closure? I'd like the loans to be visible when I apply for the mortgage, so they can evidence good payment…
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Help please with notice of disassociation
After a relationship break-up I am following the advice to ask the credit reference agencies to place a notice of disassociation on my credit files. Experian was very easy and I just had to complete an online form. However, I can't find where or how I can do this with Equifax and TransUnion. Could anyone point me in the…
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Building my Credit Rating after paying off a DMP
Hi My local Skoda dealer offer interest free payments on service and repairs. I have booked my car in to have the breaks done on the 14 Feb. Do you think it would be worth applying for the interest free option. payable over 4 months? Could this have a positive impact on my Credit file? I am just trying to get back to…
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Please help me understand how on earth does credit score and dissociation noticework!
Hi. I have been in a relationship for the last 16 years with someone who has bad credit score and will have for significant amount of time. I want to get a mortgage next year, just on myself, my annual salary is something over £45.000. We have been renting the same house for the last 11 years, our both names are on water…
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Credit rating etc
Hi I got myself in a financial mess 5 years ago, I have negotiated paying my debts. I am working hard to improve my credit rating and have a couple of credit cards now that I make sure are paid on time etc. Will the debts that I got 5 years impact on my credit rating until they are paid off etc, or do they 'fall' off the…
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Incorrect credit file entry vs O2 vs Mortgage
I am a first time buyer and in the process of applying for a mortgage via a broker. I was asked today to provide my credit file/report which was done and it showed all the information Experian, Equifax and Transunion have for me. It was brought to my attention that I have a loan with O2 from 2019 and of which I have…
