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Credit rating affected by incorrect arrears
I had a Debenhams card and paid off the balance 3 years ago. Over the past few months I've had let's from NewDay saying I owed £4 and each month was accruing interest. Thought it was a scam till I rang them and disputed it. The agent told me she'd remove the debt and apologised for the inconvenience. I then discovered…
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Default date dispute
hello all, I fell into mental health issues and financial difficulty in 2017 into 2018, following a serious health diagnosis and subsequent bereavement. Advice from Stepchange was to enter a DMP so I did this early-mid 2018. This resulted in all of my debts defaulting during 2018, which means that they are dropping off…
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CCJs - different to listed credit card balance?
Hi everyone. I was just reviewing my credit report on Credit Karma and noticed a CCJ listed (not unexpected). What is confusing me is if the CCJ is the same as one of the two (defaulted) credit card balances I also have on the report, which show as different balances to the CCJ. I pay the two credit cards monthly, and…
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Lowells and JPMC setting up accounts
The have added the following entries on my credit rating Not sure why, Have heard of dcas taking money from / via pay pal to pay off debts Otherwise what are they doing on there I didnt set them up or open them. Many thanks
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‘Overdales’ solicitors and N1SDT form
Morning. First time poster. I’ve had some dealings with Lowell and now this has been handed over the Overdale which I believe is the same company. I’ve had a ‘claim form’ through the post but it looks fake. I know that these companies use wordings / letters and things to scare tactics. The claim form states it’s from…
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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…
