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CCJ against me without informing me or what the debt is for.
HI, first post so please bear with me. At the start of this year I received a letter stating I owe money (around £200) to Spark Energy. I ignored letters as I did not think they were genuine & was with Spark energy (who have since ceased trading) back in 2019 for a short period of time only. Forward to this year and…
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6 years question
Hi, Think I know the answer to this but the rule of marks on credit reports coming off after 6 years, is this 6 years after each individual mark? I.e. if someone had an AP marker for every month of 2019, would the first marker for Jan 2019 clear in Jan 2025, leaving 11 markers left over etc until they are all cleared at…
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Credit club hasn't worked for months
Trying to log in I get Oops! Something's gone wrongOur Clubs platform is currently down. Our techies are working furiously to fix the issue and we're hoping to be up soon. This has been since the migration. Registering a new account tells me I already have a credit club account. Any suggestions?
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Can't get Experian statutory report!
I have been going in circles with Experian since 9th October now. I requested it and I got a PIN in the post that didn't work, so then I ordered it via the post, which 10 days later, hasn't arrived as stated and another pin has come in the post... Which doesn't work!! What do I do now as I just go around and around.
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How long does a closed current account (no overdraft ever) stay on the credit file
Hey everyone, I searched the forums but was not able to find an appropriate answer, most were to do with loans/credit cards etc. I am planning to close a current account with Monzo as I am not using it. I would like to know when this current account will drop off from my credit file. I use MSE Credit Club and ClearScore so…
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Arrangement to Pay
I previously applied for a Barclay credit card where I was given 0% interest promotional offer. When this period ended I called Barclays to ask if can be extended and I didn’t want to pay interest. I was making above the minimum payment required but wanted to pay it off quicker. They said the only way to have 0% interest…
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Unsubscribe from the Credit club emails
HiI cannot find how to go about the above. Any answers will be gratefull received Thanks
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Potential identify theft?
Over the past few days I've been called twice by utility providers I've got contracts with (broadband and mobile). When they call I just say I'll call them back without giving details. Both times it looks like the number is spam (have Googled). I'm now worried that someone now knows about my accounts and is calling to try…
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Go Car Credit VT - Temp Default
Good afternoon, I've had a pretty rough 6 months which has lead to financial difficulty and arranging a payment plan with Go Car Credit, I'm now at the point where I have submitted a letter for VT as I simply can't make the contractual payments anymore. I haven't reached the 50% mark just yet but not too far off i.e…
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Error on credit report
Good evening. After a mortgage application was declined I have discovered that there is a default listed from Octopus Energy on my credit report. There was no default and I don’t owe them any money but 10 days after first contacting them I am no further forward in getting this resolved. Does anyone have any experience of…
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Barclaycard not sending info. to CRAs
Over 30 years I have had a Barclaycard,always paid in full monthly,late by 1 day 4 times.I recently thought I would check my credit score through MSE and Money supermarket.They only have 1 credit card listed,which is Capital one card.Contacted Barclaycard and they said,due to a system error your credit information has not…
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Switching with (unused) overdraft - effect on credit score?
Removed original post text in case I can be identified
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Hard search if applying for credit card with own bank?
I’ve had a Lloyds bank account for 20 years. Just done an eligibility check via my online banking for a credit card and said I was pre approved. If I continue with it does it do a hard search or just go off internal bank data about me?
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Think I’ve been a victim of identity theft
I have four searches on my Credit Karma report dated 6th October from Lexis Nexis insurance. Obviously not me, as I don’t have a car and nor have I sought quotes for any other type of insurance on or around this date. I am now terrified that they will have entered completely incorrect details about me that might see me…
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Notifying court of paid CCJ
I’ve recently had a CCJ issued against me due to an unpaid parking PCN. I’ve paid it off in full within the 28 day window and on MCOL it is showing as notified by creditor as paid in full. A few questions I have, as this has already appeared on my ClearScore! - Do I need to do anything else to have this removed from the…
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TransUnion Outdated Information
I'm a member of the MSE Credit Club which recently migrated to TransUnion and I receive a monthly reminder to check my credit report. I noticed that there are very old addresses linked to my credit report, one is from over 20 years ago and a couple of others are from short term rentals immediately following a marriage…
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BT to SKY - BT billing afterwards
Moved my broadband from BT to SKY in August. Had TNT Sport through BT and advised by BT when they confirmed cancellation of broadband that TNT Sport would stop at the same time. No problem with broadband which I have received a final bill for but still being charged for TNT Sport. Numerous chats with BT with each…
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Canopy rent tracking - credit rating improvements?
Hi all, Just wondering if anyone on here has used the Canopy rent payment tracking and noticed improvements to their credit rating as a result, only been using for 5 months but just wondered if anyone has personal experience of it? Thanks
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Unknown CCJ - Northampton County Court
morning all I desperately need advice. I have been very ill and mostly bedbound since before the pandemic. I have been trying to move to safer accommodation because I'm to unwell to cope with stairs and sadly my 12yo cares for me alot me than I'd like tbh. I kept getting turned down for properties by agents and couldn't…
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Default when I have arrangement set up prior
Hi, virgin media have added a default on my account. I was surprised as I’d already set up an arrangement to pay them. I left because they increased their prices and they produce a final bill in December. I hadn’t realised I’d have to pay a closing balance, when I got a notification in Feb, I agreed to set up and…
