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Maiden Name Married Name
Hi all. My wife has recently remortgaged her BTL to a new lender, no additional borrowing, just to reduce the rate and she put it in her married name. All of her other accounts, including our joint mortgage, are still in her maiden name. She has recently tried to do a new balance transfer card in her married name but has…
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Unknown Soft Search
Checking my report via my bank account, I noticed there was a soft search against my name. It is from Bet Fred based in Gibraltar. I have never opened or tried to open an online betting account. What is also concerning is that it had the wrong gender in my title - Mr instead of Mrs. I know soft searches do not affect my…
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Remove arrangement to pay marker from credit file?
Years ago my debt situation was very bad. Multiple CCJs, defaults, late payments, payday loans, etc. Bar one default and a series of late payments which will come off in October, I only have one negative marker left - an arrangement to pay with my bank from May-August 2023. Basically what happened was, as I was paying down…
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Moorcroft PayPal request
Hello, Moorcroft have been sending me letters claiming ‘they have been instructed by PAYPAL to collect my overdue account of £54’. These have been going on since 19.5.25. I have spoken to them and sent proof from PayPal that this is not my debt. They sent me a letter giving details of the transaction in question from a…
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Small Claims Judgement Against an Executor
I am the executor of an estate against which there was a small claims court judgement. The judgement was satisfied by the required date. My name appeared on the paperwork "as executor for the late *********" Will this affect my personal credit worthiness or credit ratings?
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Car finance company hasn't been reporting my payments to credit reference agency
Hello i am half way paying off for my car which I have on finance, however I've just found out they have not reported any of the £300 a month payments I've been making for the last 2 years! What can I do? I had bad credit when I started paying this off and was hoping my credit score would improve after all my payments but…
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Not using available credit
Hi all. My credit file says I'm "not using the credit available" and that's negatively effecting my credit. I have three credit cards I use and pay off in full every month. The only thing I can think of is a overdraft that I don't use. Could having an overdraft and not using it negatively effect my credit rating?
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KLARNA
I set up an account with Klarna sometime last year but have never purchased anything with them. I then got a bill for £900+ saying i had bought goods in Selfridges, London. I live in the North West. Anyway, after many many conversations with a credit retrieval company and Klarna, they confirmed it was fraudulent purchases…
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One accidental missed payment halved credit rating
My wife has had no missed payments or anything else to damage her credit rating for decades. But following some confusion over who was continuing to pay Octopus for her late mother's account, and therefore one accidentally missed payment, the TransUnion credit agency halved her rating. The other two agencies did not. This…
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Moved: Cabot Financial
This discussion has been moved.
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Fraud Marker Placed by Barclays over Legitimate Utility Bill – Need Advice on ChallengingPosting on
Posting on behalf of my partner, who’s now facing serious consequences due to a CIFAS fraud marker placed by Barclays Bank. He is currently in the UK on a Global Talent Arts Visa, and opened a bank account with Barclays in February. Ten days later, the account was closed. Despite repeated attempts to find out why, the only…
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Creditor still registering default markers / won’t change status of debt post DRO Moratorium
Good morning I unfortunately ended up being subject to a DRO in 2023 with the moratorium period ending in December 2024. According to both the StepChange and Debt Camel sites, once this has ended a creditor should mark any debts that fell under it as either Satisfied or Partially Settled. I have been struggling for months…
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Fraud: Scam secrets. BBC Radio Four 31//7/25 12:04
A new series called Scam Secrets starts tomorrow for anyone interested. https://www.bbc.co.uk/programmes/m002h2p3 Blurb: https://www.bbc.co.uk/sounds/play/p0ls7xbp "It might look like a perfectly ordinary message. It could come from someone you thought you trusted. Or it could be a phone call that catches you off guard.…
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CcJ wrong name
Hello, I’ve finally in a place to resolve my debt and wish to enter into a DRO. I’m currently in the process of complying all my debts. However, I took a catalogue (Very) out in my married name, but I never officially changed my name (my passport etc. are all in my birth name). I missed the court documents and Overdale…
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MSE Credit Club savings and investments income
Hello, Ref:- MSE Credit Club savings and investments income. Can anyone advise why there doesn't seem to be anywhere to add income from savings and investments to my annual income? Thanks
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Credit card for ATM withdrawal?
Not too sure where to post this: In the 'Banking and Saving' \ 'Top Cards for Travelling Abroad' Barclaycard Rewards Credit Card is compared with Chase Debit Card and First Direct Credit Card. Further down the chart is the Row heading 'Fee free ATM cash' where it's stated that '£500/day can be withdrawn on the…
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Link bank accounts to Clearscore?
I've been using Clearscore to track my credit rating but I'm curious if I should link my two bank accounts to it? I'm wondering if there are any reasons not to? Does it give you access to better deals when it comes to loans assuming you are not in debt at the time?
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Credit Score - Why isn't it going up
I regularly check my credit score with all the relevant agencies, I haven't missed a payment in four months on my Credit Card, I have never missed a payment on a Credit Union loan and all of my utilities are at £0.00 balance. How can I get it to increase faster or am I doing something wrong?
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Charge on property
Hi, In 2007 I took out a loan secured on my property with first plus ( who I believe are no longer in business) This was paid off in 2013. Recently we’ve applied for extra borrowing on our mortgage for some home improvements. Whilst talking to the bank, going through our finances, they said there was still a charge on the…
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CCJ Nearly Six years old now getting contacted
I defaulted on a debit in 2013 due to marrige brekdown the debit was sold several times, and a ccj was placed on it in summer 2019, I moved house and went to my old house to collect post to find I now had a ccj. I didn't hear anything more so I did forget about it. I have now received a letter from Irden Capitol Services…
