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Notice of Intended Civil Proceedings
I received a letter from NBCS accusing me of fraud regarding a missing package when the package did arrive but the package was empty insidd. so I performed a chargeback and purchased the item in store. Now, NBCS claims “loss”, and I can't afford the £583.99 to pay for this. Additionally, the package was registered under my…
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MIL Collections
Hi everyone, Received letter from MIL Collection regarding a debt that is outstanding.Out of curiosity i decided to open the letter. The person/buisness they're looking for is a Coffee Shop. That's the name who they are looking for on the letter.But has my address on it. I have googled the coffee shop and it is half a mile…
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Business bank account closed 5 days notice
Hello - please please help, feeling completely out of control and lost on what to do. The situation is as follows We have our own limited company, we were told by the bank we had 5 days to move eveyrthing as closing the account and under FSA guidelines they do not need to give a reason! For clarity the business account is…
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Debt Letters - 100% Not my Debt
Hi MSE, I've recently moved into a new property (a month or so) and have received 2 letters in my name. One from Cabot to tell me they've passed on a debtoriginally from Aqua (i'd never heard of them until now) to 'Wescot'. The second letter is from Wescot requesting to verify my address which I'm reluctant to do since…
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Bank Credit rating
Hey. Has anyone got any ideas? I've been with my bank for almost 40 years. For some bizarre reason they have suddenly dropped my credit score significantly. This is despite the fact that I currently have large amounts of savings. Have recently paid off my mortgage. No outstanding payments on credit cards or any loans. I…
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Credit lock
Hi, We are in the process of borrowing more on our mortgage to build a loft. Our mortgage is with Halifax, and we are using their mortgage advisor. Before Halifax could proceed further, we had to pass their credit check, which we did. A day or so later, a hard search appeared on my credit file. The mortgage advisor asked…
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Barclaycard vs Linkfinancial
Hello and thank everyone for support. I got credit notice from Link Financial about debt with Barclaycard. Probably card was stolen. I already opened Action Fraud case but i want to try speed up things little bit.I'm trying to contact both of them, but that seems slow. Is there some consulting service or maybe lawyer, who…
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Outdated Experian credit file
Just a warning - Despite saying on the company website that if you move house you don't need to tell Experian - banks etc will do that - Experian's terms and conditions expect users to inform them of any changes to your file. I found out the hard way - couldn't log on to my file for ages because it had been blocked. But I…
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To pay off CCJs early or not, and the impact on credit files
Hi everyone. I am coming to the end of paying off two CCJ debts. I will finish paying one next April, and one in approx 12 months. The CCJs were incurred in 2019 and 2020. Therefore they'll 'drop off' my credit files in 2025 / 2026. I've been debating whether it is worthwhile paying back the full remainder of the balances…
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Advice please on First Direct chasing a payment they made from my closed account.
I had a subscription for a piece of software in which my First
Direct bank account details have been entered onto their web site. I closed the bank account and switched to an
alternative gaining an incentive as a result (thank you TSB). I have a closing letter from First Direct
dated 25/09/2023. My subscription of…
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Closing multiple accounts
So I now have all debt on 0% with plans in place to pay them off by the end of the deals. I have a £1000 limit Halifax credit card for using and paying off in full each month. now I want to close all the following cards and store cards NEXT I’ve not used for years and has a 0 balance close VERY been at 0 for a few months…
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Accidentally used credit card for cash point withdrawal
I took out some cash yesterday to buy something off Facebook marketplace. I accidentally used my credit card for the withdrawal; I just took the wrong card out of my purse and didn’t realise. Later in the day I logged into my online banking app and realised my error. I immediately transferred the amount from my current…
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Credit Karma Not Updating
As the title suggests my credit karma does not seem to be updating. In the banner it says the next update is in 7 days - but it seems to have been stuck like this for a few weeks. Is anyone else experiencing the same issue or is it just me 👍
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O2 debt from old Virgin Media Sim Card
I am looking for help as I am at the end of my tether ... I had a free sim card with Virgin Media. In Sept 23 they migrated my Sim card to O2 and set up a new contract. I cancelled the contract but have been left with a debt of £20. O2 have no record of my account number or the mobile number that was migrated. I have sent…
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Failed credit search?
Hi all, I'm looking for a bit of advice as I'm completely stumped. I am trying to get fibre broadband with Vodafone. I went through their process and all was ok until the credit search failed and I don't understand why. I have spoke to them and they tell me they can't give me anymore information other than it's…
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buy now pay later deal trashing my credit file
has any one come across anything like this i recently brourt a new monitor for 2grand from currys /pc world on a nothing to pay for 12 mounth buy now pay later deal. but it being incorectly reported to all my credit files as a maxed out credit card with high credit utilzsation iv disputed it with equfax and transunion.
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lenders checking existing customers credit files
Hi, I understand that lenders can check the credit files of their customers - I think that is one the terms that we sign up to when we sign the credit agreement. My Barclaycard credit limit has recently been reduced. This isn't a problem for me as I am trying to pay it off anyway, so I don't need a high limit. I can only…
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CCJ set aside - worth it in this case?
Considering applying to set aside a judgement which was made in our absence. Had a pretty strong defence to a small claim made by a client. Filed the defence with court back in Jan 23. Heard nothing until this week when claimants debt collector emailed to say our defence was struck out and judgement awarded against us. We…
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Single hard search - impact
Hi I’ve got a personal loan that I’ve been repaying to Nationwide (my main bank) April 2023 with c.£15k remaining that’s due to end in c.3 years as I’ve been overpaying. I’ve not got any other consumer debt or credit cards. Yesterday I took out a small additional personal loan also from Nationwide for £1k towards a new…
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O2 mobile system glitch potentially causing credit rating issue
Had a bit of a row with O2 today. They keep sending me messages to say my account is deficit, which it is most certainly not. I pay monthly DD and also get help with Airtime Rewards, never had a problem , been with O2 for years. They cut my phone off today (later reinstated) but have warned me that my credit rating might…
