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Credit Card Limit
Hi all Halifax have infomed me that they are increasing my credit card limit. I dont have to do anything if I am happy with it (which I am) but they will do some final checks to make sure it is right for my needs. Will that be a credit score search?
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Virgin Money Destroyed My Credit — Lied, Blamed Me, Then Hung Up
I’ve been a loyal customer since 2019. Never missed a payment. Then Virgin Money wrecked my credit score over a single missed payment — caused entirely by their own silent system change. In April, I asked for help during a quiet patch in my self-employed work. They offered something called “Breathing Space” — a freeze on…
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Atom Bank savings account rejection
Good Evening, I shall be grateful for thoughts from folks in the know on this one. My wife applied to Atom Bank for a savings account. It was rejected. Trans Union score is excellent, has bank accounts et al with healthy balances and all other indicators suggest a comfortable stable position. The only downside is that…
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Charging order 15yrs+
I have a very old ccj with a charging order to the value of around £2000. The order is over 15 years old and the debt is unpaid. I have had a letter from a company that Lowell have instructed to possible take this further. can anyone tell me what could happen and if I need to contact them please? I’ve done some reading and…
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PayPal negative balance
Hello, Looking for some advice please, I am in a bit of a pickle! Over the last 2 years I have been transferring money from my PayPal account to a friends using the bank option when it takes a few days to come out of your bank. It started as £100 and increased month by month to pay bills and other debts. It is currently at…
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Best Way to Remove CCJ From Credit File
Hello I took a loan with 118 Money in 2018. Account defaulted in 2019 and then Showed settled the following month. This is when debt was sold to J&C Acquisition. I made some payments. In March this year I received court letter from BW Legal. I called and they stopped the process and I set up payment plan. I missed Mays…
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Potential CIFA marker - gambling
Please please help. Yesterday Kroo messaged me on the app to say they were closing my account with immediate effect following review of my account. For the past few months I have been depositing money in and using it on a gambling platform (mystake). I was in a stressful situation, trying to make money (stupid mistake I…
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MSE Credit card eligibility checker -- who gets to see the user's email address?
Is it reasonable to expect that a debt collection agency can gain knowledge of an email address that was created for (and only ever input into) the MSE credit card eligibility checker?
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Experian Now Offering Free Monthly Credit Report In Their App
Just had an e-mail that Experian are now offering a free monthly credit report in their app. Tried it and it is, as expected, the fairly basic version but does show all accounts and searches. So all 3 CRA reports are once again available free.
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Free Experian Credit Report?
I have just received an email from Experian saying my monthly credit report was ready to view. I clicked on the link and it took me to the app where I was able to view what appears to be my full credit report including all of my accounts, searches etc. I do not subscribe to Credit Expert and have not seen this amount of…
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Credit Score + Card Advice
Hi all, I’m struggling to get my head around my credit situation and I’m hoping people here may be able to give some insight. I’m essentially thinking out loud here… I’ve had a Halifax Credit card for some time, I bank with them. Limit is currently £7k and utilisation peaked at about £4k by the time the 0% rate was up. In…
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Moving Home with a DMP help please
My self and partner are on a joint DMP - have been for a while now, majority of the debts are mine. We now find ourselves in a position where we have outgrown our current home & also have ALOT of equity in our current home we would love to move home to a bigger home & would easily be able to clear all our debts with the…
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Guarantor business overdraft, company liquidated, debt not on my credit file?
Hi All I was a personal guarantor for a business that folded and the overdraft was £10k. The company was folded and ended up liquidated - Natwest contacted me to pursue the monies Natwest have now sold this debt to Moorcroft. BUT IT IS NO WHERE ON MY CREDIT FILE WHATSOEVER! Where do I stand with defaults on this debt (I…
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CIFAS -BBL
Any help? Please don't "beat me up on here" I suffer with PTSD (London bombs) and everything was going okay until 2019 when I was assaulted (documented in 2019 - not an excuse) and the PTSD returned then in 2020 there was a lockdown and I couldn’t get the help that I needed. I applied for the first bounceback loan early…
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Scottish Power added defaults to credit file before Ombudsman determination
I was involved with a long running dispute with Scottish Power that was finally determined by the energy ombudsman on 15th October 2024. During the course of the dispute they agreed to suspend my account. I have recently discovered when checking my file ahead of a pending mortgage application that Scottish Power added an…
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Impersonation Fraud
I have been targeted in recent months with a fraudster trying to impersonate me. They have applied on-line to ten different financial institutions to apply for either current accounts, personal loans or credit cards. To my knowledge none have been successful, but it has resulted in an alert being sent to my legitimate…
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JD Williams account fraud
Someone , and not me, has set up a JD Williams account fraudulently using my address. I got a statement and a demand for money a few months ago - called their fraud team and they told me they’d close the account. Anyway get another and larger bill and chase today. I called the fraud team, spent about 15 mins on hold, got…
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Moved: DMP where to start
This discussion has been moved.
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Loan Delinquent but no default
Hi All Thanks in advance. I have just noticed that one of my loans are appearing as delinquent on my credit file, but I've never had a default on my credit file? Any ideas what this means? / What should I do?
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Advice on old debts, Opos letter
Evening, Great forum and resource. I’m looking for some advice about some debts we have from the late 2000’s. We moved overseas for a ‘one year plan’, but we very quickly settled down and have only just returned to the UK. When we left back in 2010 or so we did have a few debts that we continued to pay but we very quickly…
