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BT & Lowell
Hi looking for help - I owed BT £43 I stepped away from being a customer for a month and rejoined and started my account with them. I was unaware I had a balance of £43 for equipment not returned I can’t find the proof of postage and we are some years on. I only noticed it when I started being contacted by a company called…
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Help needed I'm so worried I can't breathe almost
Hi all I recently went to switch joint accounts as was fed up with our provider,I applied for a new account with Halifax but received a letter 3 days later stating due to there extra checks they can't open the account and referred me to cifas, to my shock horror I've googled this and now I'm worried sick I'm going to be in…
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A new default I don’t remember . How to approach?
Good evening. i hope we are all and enjoying the sunshine!. I have come home the other today from a letter from JC INTERNATIONAL ACQUISITION LLC The letter states I owe £78.00 from a previous sky bill from a previous address. I haven’t been with sky for a minimum of 10 years as this was when I lived at university and I…
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Advise regarding ability to obtain credit after IVA
Hello !! I had an IVA. It has been settled. It was settled on March, 12, 2025. The IVA began on December, 6, 2019. Please, can you possibly advise when the debt on my credit profile will drop off ? Also, what can I do to "revitalise" my credit profile; in case I need to apply for credit in the future ? In addition, can you…
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Credit rating & Bill Error
Sorry if this thread is not in the correct forum, but i couldn't find a credit related forum. Here goes....🙂 I'm mid 50s, always had the highest credit score possible and never got into any trouble with anyone. Then 1 year ago i moved house, and in the process of transitioning from "house A" to new "house B" a utility bill…
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Thames Water applied adverse credit unlawfully - can I claim compensation
Hi, I have two water accounts with Thames Water since 2019. There have always been issues with the receipt of bills at both the addresses since I became account holder. However, I sometimes made payments in good faith expecting to receive bill copies later, however none arrived despite repeated requests. Eventually in late…
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Sorting out credit cards & credit rating
I'm unemployed currently, struggling and have built up a £5k c/c debt. I've done the sensible thing and moved the debt to an interest-free card. But my credit rating has understandably slipped. I would normally cancel the cards I'm no longer using, but I've read that that actually reduces the amount of credit available to…
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Will partial settlement appear on credit file 9 years after default?
Hi all. Sorry if this has been asked before. Google search is conflicting. Stepchange, Experian not been very helpful. So; I’ve been on a DMP (debt management plan) for 9 years, yes 9 years. I choose that route for various reasons. The DMP is with step change. Anyway: one of debts is still at around £7k (I only owe £8k…
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Tesco Bank and Lowell
I've had some debt issues in the past, all sorted now. I have one CCJ remaining on my credit report. One of the debts I had was with Tesco Bank. It went bad many years ago (more than 6) and Tesco Bank passed it to Lowell (or one of it's subsidiaries). In that time a CCJ was registered. The debt was written off about 3…
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Chances of DMP provider finding out I had to take out a debt?
Hi all, Please don’t judge as this was necessary. I am currently on a DMP with a certain popular provider and have about 18 months left on it. My parents are retired and essentially rather poor (funnily, just like I am). There’s an important expense that came up for them that’s an absolute necessity. I don’t want to dwell…
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Credit Club Confusion
Hi, I am hoping someone can point me in the right direction to find out what this information means on my Credit Club account. The report insights show "you have 1 thing to work on" and when I click on this it tells me that I have recently exceeding one of my credit limits. As far as I am aware, I haven't exceeded or even…
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Securing Experian Account with Password
I had issue with identity theft on my credit report which I am contesting. So Experian have suggested using a password. That is fine except I have to email them the password. My emails were hacked last week and emails are not secure and normally you don't tell anyone your password. Is this normal. This is what they sent…
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Moved: Letter from JC INTERNATIONAL ACQUISITION LLC
This discussion has been moved.
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MSE credit club not available
There seems to be a problem with the website..... desktop computer, not phone or laptop.....
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Credit card limit dropped
Hi everyone. Barclays bank dropped my credit card limit from £7400 to £100 suddenly. There only response when questioned was check you credit report. I did this with Equifax, Transunion and Experian and everything is perfect. I contacted the Financial ombudsmen only to be told they could see nothing unfair as to what they…
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New default query
Good evening, On 19/03/25, my last default expired and I received a notification from Equifax that it had been removed. Fast forward to yesterday and the company have added a new account and the account status shows as default. Are they allowed to do this? I do have an outstanding balance and since seeing up the repayment…
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Can I safely lower my energy Direct Debit?
I'm not sure if this is a daft question or not but I have a DD with Octopus and usually end up being in credit. However, I have a few months of cashflow issues. If I lower the amount and end up being £100–£200 in debit in 3–4 months time will it affect my credit rating? Will Octopus do anything such as increase the DD?
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Incorrect default on credit report affecting mortgage application - advice needed
Hi, My wife and I are in the process of buying a house, but have hit a problem in that our mortgage application has been rejected. Our broker has flagged that this is due to defaults which have been put on my wife's credit report by E.On. These are incorrect as neither of us have ever been customers with E.On - our…
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Indentity fraud. What can I do
I have no loans or debt on credit cards. I had email to check if credits score had changed I was disturbed to find something about missed payment I looked into it and it said 2 missed payments for car insurance to First central management ltd. It says I have balance of £48. Balance in Jan was £340. I took car insurance out…
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Mothers name on my Equifax (via CheckMyFile) credit report but not sure why
So I just signed up for Check My File, and it shows info from 3 different agencies. Equifax has my mother down as my financial associate. When I expand the info it says it was "created by Tesco bank". My parents used to have Tesco bank but many years ago, I myself have never had a Tesco bank. My dad has since passed away,…
