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Double Default for one debt?
Hi all, I am on the tracks to become debt free (As most of us are). I got into a lot of trouble when we had to liquidate our business (Although thats left me with 140K worth of directors loans to pay back as we allowed a poor accountancy firm to terribly mis-advise) anyway, we struggled and got a lof of defaults. I have…
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Do I really need to check all the Credit Agencies?
I've just checked Clearscore, and as I expected, it's come back clear, with a rating of 733 stable out of 1000. Only one search in the last 6 months, when I obtained my Credit Card. 2018 - 0 Missed Payments. 2019 - 0 Missed Payments. 2020 - 0 Missed Payments. 2021 - 0 Missed Payments. 2022 - 0 Missed Payments. 2023 - 0…
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Credit Report - unpaid transaction
Does an unpaid DD go on my credit report ? Fuming with HSBC, My monthly DD payment is due 8th of the month and I made a manual payment in excess of my minimum payment on 25th June. I asked HSBC would the DD still be taken and they advised it wouldn’t due to I made the payment in plenty of time prior. On the off chance I…
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ClearScore
Is ClearScore a safe organisation and recommended by MSE?
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Someone has my credit rating account (Clear Score / Equifax)
GDPR/DPA Someone came to my door today who shares the same name and almost DOB except a few years off and also the same first name. They actually used to live at the address I’m at before me. They knocked on my door to ask if I had any credit cards arrive and after some questions we realised the above information. He…
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Rematch credit ltd
Hello, Not sure if I am posting in the right place. I have had a few emails from rematch credit ltd saying I owe around £800. I don't have any debt (other than mortgage) so assumed these to be spam. The emails only include my first name and the account owed. I asked my husband to look into it for a second opinion and he…
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Ex has CIFAS marker - Worried about Daughter
My ex has just received a CIFAS marker due to claiming refunds by the looks of it and I am worried about my daughter. Her salary and benefits now have no bank to be put into it as all her banks have closed. So how is she supposed to cope now? What can I do to make this work? Is there any account she can open to be paid…
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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…
