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CIFAS Marker Hell
Hi all, Honestly need some help as i’m unsure what I can do next. Timeline: 24th July - Santander accounts frozen and will close in 60 days. Submitted DSAR CIFAS request as advised. 4th August - Cifas comes back clear of everything other than “3 number searches from Santander”. Search included my parents address I lived at…
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Getting ready for next mortgage - question about CC debt
Hello, I have a question regarding getting my finances ready for a potential mortgage application in the near future, 6-12 months from now. I am in full-time employment and over the last few years have also operated a small weekend business online as a sole trader. Over those years I used a number of Personal credit cards…
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Sevent trent fail to contact me for 6 months about a failed DD but report me each month
I’ve had a water account with Severn Trent for 15 years, always paid via direct debit without any issues. Out of the blue I get a letter saying I owe around £500. Turns out my DD bounced 6 months ago and they cancelled it. Here’s the kicker – during those 6 months they’ve reported me as “missed payment” every single month…
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CCJ, low credit score, 50%deposit wanting a mortgage
Hello everybody, first time posting!! Looking for some advice! Been renting with partner for 3 years, managed to save a 50% deposit for a house, joint income £90.000 PA Partner has great credit score, mine pretty poor, getting back on track but 1 CCJ on my file added last year as a result of previous marriage. Both full…
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Synectics Solutions marker - Ombudsman ruled with LBG
Hey everyone. Just looking to get some thoughts and advice on this complaint I've had ongoing with the ombudsman for some time now that I had an outcome with yesterday. To give a bit of context, I had a CIFAS marker incorrectly added against me in 2019 which resulted in a wave of account closures. My LBG accounts at the…
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My solicitor has damaged my credit rating just as I am applying for a new mortgsge
Last month I sold our family home of 23 years. The sale date was Friday, 29 August which coincided with the due date od my mortgage payment. I really didn't think I needed to make a payment that day as the mortgage was being repaid from the sale of the house. I now realise that due to a delay of a couple of hours in…
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Blacklisted
Looking for advice for my daugther, 32. Around 3 years ago now, she clicked a link on her phone that I think related to some kind of cryptocurrency and her bank account was wiped out. She lost around £1500. When she reported it she was told that they thought SHE was somehow complicit and was committing some kind of scam /…
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prefect credit report but still rejected
Looking for some advice. Both my Wife and I and high earners with a combined income of over £180K. We have just paid over 50% of the mortgage. So, we have plenty of equity. We have no credit cards or loans, and never use our overdraft. Both have had stable jobs for over 10 years each. 3 months ago, we applied to our…
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Alias added to report same as my name
A car leasing company have added an alias to my credit report which is identical to my name why they have done this I don't know Is it ok to leave it or should I have it removed, my Experian score does not seem to be affected
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Paying creditors late by a week or two
Morning all, quick question about making payments after their due date. I am fortunate that I am receiving a lump sum of money in about four weeks’ time and will be able to settle all my debts. However, I am not going to be able to make September’s payments on time. If I miss these and then pay everything off with my lump…
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Can't speak to anyone at Experian!
My wife received an email from Experian today " A credit account has been added to your credit report". Never received such an email before. Went on the Experian app and it said there were two risks but we couldn't see what they were. I panicked and we tried to contact Experian. Either the phone numbers given were…
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Credit rating plummetted
I’m a 62 year old man. Still working full time / 40% taxpayer. Homeowner / no mortgage, no debt at all. For years, I’ve had an excellent credit rating (999/999 Experian). Recently though (2 months ago), I’ve opted out of the company car scheme at work and bought a car on PCP over 4 years and also taken out a credit card to…
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Help with a Capital on Tap guarantee
Hi all, I’m hoping someone with experience of business credit card guarantees or credit reporting can give me a bit of guidance. I was guarantor on a Capital on Tap business credit card. Since the business closed, I accept I’m responsible for the balance personally under the guarantee. I’ve been cooperative from the very…
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Moved: Which Debt to Default on
This discussion has been moved.
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NewDay CIFAS
Good morning. My NewDay credit card was closed without warning last year, and I was informed that my credit facilities had been withdrawn. Soon after, Santander notified me that they were closing my current accounts with 60 days' notice. They cited a CIFAS category 6 (misuse of facility) marker on my credit file. I…
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Assisting a Vulnerable Person - Advice Needed
Hello and apologies for the very long post. A brief outline of situation. Vulnerable Adult/Person (but perhaps think of a 10 year old child). In 2014 Vulnerable Person (VP) entered into a 'contract phone with EE)' , The contract ran for over 7 years and cost £50 pcm for a small amount of data only. There were never any…
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Don't have a credit score but should
Looking for some advice, I have tried logging into several agencies to access my credit score (Experian etc) however I cannot be found or verified on any, it seems I don't have a credit history despite having multiple bank accounts with income, paying tax, being on the electoral register etc for years. This was initially…
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Best Way to be notified about CCJs at old addresses.
I am a newbie on this forum so please bear with me. I plan on getting a mortgage at some point in the near future, but not immediately, (say 2-3 years from now). So I want to maintain a clean credit profile. I have recently, through reading consumer horror stories, stumbled onto the dark world of debt collectors suing at…
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Credit reporting
Advice please.I took out a loan with Five lamps on 5 July 2017.It fell into arrears in 2017/18.A default was registered on my credit file on 26 February 2019. Default came off my credit file in February 2025. Since March the loan is being reported again on my credit file as missed payment each month. Company state that…
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soft searches
I have checked my credit report and note since the 1 November until today there have been over 40 soft searches from a company called JAJA finance. Most are quotation searches and one is AF?. However no hard search has been done. I do not understand why so many from the same same company. Also I get my credit report from…
