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HIGH COURT ENFORCEMENT BAILIFF
Hello. I had a Court Order to pay 690.00 by 15th July If was given the bank details of the creditor who is an individual. If I pay 91.00 and reduce the balance to below then that would leave 599 outstanding. This is 600 below the minimum amount when High Court Enforcement can take place. Is that right. Advise please
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Link Financial - Transunion report
Hello,I need help with some statements in my report from Transunion.There is unpaid balance from Link Financial Outsorcing limited (from Shop Direct). I never signed up or used that account. According to record account is made in december 2019. But i wasnt in UK from december to february and that was already my old…
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Who can i seek advice from?
I am in the process of clearing debt and i had a large debt with a mobile phone contract which is a few years old now but is still outstanding. After a lengthy call with them and it came to light certain errors was made by them. They didnt log a default on the account but instead just kept listing it as missed payments…
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Default Issued Incorrectly by E.on. What are my rights
I own a property which I rent out and have never lived at. E.on energy wrote to my at my letting agents address, saying they were going to issue a default against me. The letting agents forwarded the letter, I called E.on straight away and said I will pay whoever is due. They asked me for tenancy agreements and meter reads…
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Credit file advice
My husband has been applying for loans unknown to me. These searches for applications for loans in his name are showing on my credit file. He's lied saying he did not apply for any loans then admitted he was trying for loans. Either way they are not me applying but are on my equifax file. He's destroyed my credit rating…
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Will a credit check of fair be okay with a Vodafone contract application?
I applied for a new phone contract with Vodafone. They took a £50.00 upfront charge. Then the online application came up that they will do a credit report check. My banking app says my credit score is fair. Will this be okay for Vodafone?
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Credit limit explanation?
When you check credit file and says you are using over 50% of your credit limit is this just for credit cards where you have an "available balance" or do loans etc count towards it also even though you don't have an "available balance" once made payments. If I had a loan and a credit card and was using 75% of credit card…
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Missed Payment Broadband Issue
I had my broadband with a certain provider until September 2023 when I switched. All my payments were up to date and as far as I was aware my account was closed. In October 2023 I received an email from my old provider saying I hadn't returned the router. I sent the router back (it was my fault I had completely forgotten…
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Bad credit / buy-to-let mortgage / ex
Hello My ex and I had some buy to let properties. During the divorce my ex got one, I got one. We split amicably so didn’t notify the mortgage lender. My ex is now in serious arrears on their property which has destroyed my credit rating and I am trying to get a personal mortgage. My mortgage advisor and lawyer are trying…
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Scottish Power
Hello all I was hoping to apply for a mortgage this month and have just opened checkmyfile to see a couple of entries under AR Arrangement for Scottish Power. We are on prepayment meter. Apparently we built up a debt (not sure how, top up weekly and if the meter goes to zero the power goes off!). They advised us of…
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Right to Buy mortgage/credit file
Hi - asking for a friend. She was denied a mortgage this week as she is using 80% of her credit thats available. Broker suggested reducing this to 25% and then reapplying but this needs to be done within 3 months as which point the Council offer will expire. Her buy price was put on hold for 5 years while Council looked at…
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credit file is so different across the agencies
Hi all, I got into debt 6 years ago following a serious health diagnosis and subsequent passing of my Dad. My mental health hit rock bottom. I ended up defaulting on 10 debts totalling nearly £20k. Since then I got back on track, salary increased 40% and no more bad credit issues since. This year all my defaults drop off.…
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CCJ
Hi all, I wonder if anyone can help. I have a CCJ on my car (which stupidly ignored but have my reasons) back in 2022, I have not received anything until now where I got a text from an uplift company who said they have been asked by debt collectors to uplift my car. I have called the debt collector asking to reset my…
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Credit balances after default expires
Hi - I have some defaults due to drop off this year, since getting these defaults I've had no missed payments or further negative markers. What happens to the credit balance on my credit file relating to these defaults when they have dropped off please? I'm hoping my score goes up lots as the defaults drop off and will…
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CRA Default Removal Dates
Simply posting this in case it helps others in a similar situation, as the only info I could find was a little outdated (though partially still applicable). If your defaults are coming up to their six year anniversary, based on my current experience this and last week, then TransUnion and Equifax seem to remove them a week…
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Credit rating drop and can't get a phone
Hi everyone. First time here so please be gentle! My wife and I were struggling financially up until early this year, yet were still able to get things like mobile phones and cars (with decent APRs). We sold our house, cleared our debts and are temporarily renting (at least a year) with a healthy deposit in the bank for…
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‘Arrangement to pay’ on credit file..?
Hi, currently in the midst of looking to purchase a house, making an offer this week, and looking to go ahead..blah blah blah. I’ve just checked my credit file, as this is now a ‘hobby’ of mine..lol. I’ve noticed there has been an arrangement to pay at the end of may and June with Scottish power. I do not owe them a penny,…
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Good Morning
Good Morning Martin, I was just wondering how you could help me with my credit score? I am new to your site, but do watch you on TV whenever you`re on.
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Ccj ended credit score not moved
I paid my ccj 3 years into owing it, 3 years on it has now gone from my credit file a month ago. All over the internet it advises the credit score should increase by 200+ but mine hasn’t moved. Please advise??
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Unknown CCJ on Credit Record
Hi guys, I have read through few posts on the CCJ but didn't find the answers that I was looking for, so creating this new thread. Hoping someone with similar experience can share useful tips. I was trying to buy something online earlier today on an interest free offer and it was declined by the lender. It has never…
