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Post IVA and remortgage with additional borrowing
Hi All, My husband and I both had IVAs which we completed early hooray! Mine was completed 16 months early and in a few weeks it'll be the 6 year anniversary since the start of my IVA (for my husband the IVA has dropped off his credit file completely as it has been 7.5 years since the start date of his and his score with…
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Hindsight's a great thing
Hi all, this is a classic long one from me. In case you fall asleep before reaching the end - I'm after some advice of the best route I should take for a situation we find ourselves in. I have a house (co-owned with my Mum) that we paid cash for. The renovation works (£149k worth), we're paying with cash. We don't have a…
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Will My DMP Provider Know I Took Out a Loan? Really Worried About the Consequences
Hi everyone, I’ve posted something similar before. My fear is that my DMP provider or one of the creditors checks my credit file randomly and finds out. I’m currently on a Debt Management Plan (DMP) and recently found myself in a really difficult situation. I had to take out an extra loan to help my retired parents — it…
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Letter of claim - Overdales
Hello, firstly i appreciate i'm going to be lynched for this BUT I struggle with searching for things online and i've read the welcome threads and the answer is probably here somewhere so please go easy on me and if you could just point me to the right thread please. Essentially, i've received a Letter of Claim from…
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BG settled arrangement to pay stopping me get a mortgage
Hi, Me and my husband are struggling to get a mortgage due to issues I have had with British Gas. This had been ongoing for quite some time about amounts I owed them and disputes I had. I have 4 late payments marked last year with the last 'late' payment noted in June last year and from July it states agreement in place on…
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Experian and my bank
Hello. I requested that Experian send me all of the data which they hold on me. Its possibly naive of me to have been surprised to see that each of my banks gives them a list of the monthly credits to my current account with them. Can I stop this from happening? I don't recall giving the bank(s) permission to do this and I…
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Removing fraudulent entries on my credit file
Hi there, Is there a way of contacting transunion to do a proper dispute, I have two entries on my credit file that should not be there, but I an unable to explain my case in their dispute process. One of them I don't have an account for and another one did not go into default, it is in dispute and should not yet be on a…
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Why are my settled defaults not showing up on my credit report after only 3.5 years?
So 3.5 years ago I settled all 5 of my defaults, some were for loans, some for credit cards. I settled them all and paid them off in full in December 2021. Now when I look on Experian and check under "settled accounts" it lists 2 recently settled ones, one for car finance and the other for BT. But none of the 5 defaults…
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Why is there a Soft Search from my Insurance Company?
My Clearscore credit record shows a soft search from my car insurance company, but I pay my premium in one payment, when I renew. Why are they doing a search, when I'm not taking out credit, or paying by installments?
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PRA Duplicate Defaults
Hello , just looking at picking brains, cut a long story short. 5 years ago i defaulted on 6 separate accounts from various lenders when I went through a messy divorce, which ironically all got sold to PRA Group. All these accounts were settled in full when my house was sold, about month later, however I have noticed that…
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Default debt payment
Default due to drop off next month, currently paying small amounts to “law firm” each month. As it stands the debt would be cleared in 10 years wondering if it would be good idea to make a settlement offer?
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Paypal Pay in 3
Hi all, will Paypal or Klarna if paid in full improve my credit rating?
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Remove arrangement to pay marker from credit file?
Years ago my debt situation was very bad. Multiple CCJs, defaults, late payments, payday loans, etc. Bar one default and a series of late payments which will come off in October, I only have one negative marker left - an arrangement to pay with my bank from May-August 2023. Basically what happened was, as I was paying down…
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Credit score updates for mortgage application
I need some advice, I had over £8k worth of debt spread over 10 accounts, I cleared them all in one day on June 2nd 2025. I'm am trying to secure a mortgage, but none of the credit scores have been updated as yet. Does anyone know how long it takes or if I can do something to move it along so I can get my house
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Moved: HSBC credit card default question
This discussion has been moved.
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Suspected Bank Fraud - CIFAS safeguarding?
Good Morning, this is a little bit long-winded, but I'll try to summarise as best I can. My (only) neighbour and I have had an ongoing issue with the Royal Mail for several months now, where our mail (letters etc) never get delivered but amazon packages regularly do - this has resulted in us making complaints, one delivery…
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Mortgage due 28th Feb, paid 14th March reported as missed payment
Hi, Please offer some advise if this is worth me perusing with ombudsman. My mortgage payment was due 28th Feb 2024. Other half forgot to transfer money into account and so payment bounced back. (don't get me started!!) He paid in the same day but it did not re take as we must have missed cut off. I called lender Saturday…
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Cifas Warning
Hi Would appreciate any help with Cifas Warning please. Someone recently used my details to buy iPhone at John Lewis. They set up credit account with company called Creation. I noticed after first monthly repayment was taken from bank account. Creation has refunded the money and sent me letter to say they've set up Cifas…
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Help – credit file arrears
Hello, I'm looking to get a mortgage soon and have just signed up to check my credit report (stupid I know!) and have discovered some very old arrears. Basically, I had a 12-month SIM only contract with Vodafone that ended in October 2018. Apparently, I cancelled the direct debit after the 12 months but didn't formally…
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Credit file and Vanquish
Hi. Long story short-ish. I have a vanquis cc that hasn't been used for years and assumed account was closed as CC had expired. My fault i let it in PayPal as a payment card and it was used to make a payment for a recurring charge, no idea why they did that. Anyway I assumed this was fraudulent and spoke to Vanquis,…
