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Debt collection letter regarding a BNPL plan taken out by someone else
Hello, we recently received a letter from debt collectors Ophelos regarding a bnpl (buy now pay later) plan from Philips taken out in my mothers name. My mother has never sent money to Philips and we cannot find any transactions related to them. A prove it letter was sent and we were told to take it with up Action Fraud…
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Defaults and DMP
Hi, I’ll try and keep this short. Looking for some help on clarifying the process once a DMP is completed. I finished my DMP (DAS) in may. All accounts are in the process of being settled and all but 1 (TSB) have already defaulted back in 2018. TSB have been registering missed payments forever and I recently got it in…
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Mortgage Arrears - Credit File
Hi all, as stated in the other thread, I've had a very sketchy few years payment wise and we clung on to our house by our fingertips during the worst times. That said, we're on the right path now and have been for a while. I'm trying to sort my credit and noticed my mortgage is showing as missed payment, every month for…
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Energy providers No current Credit Balances.
Noticed SP reporting via EX cra report. Is there any reason why current in Credit Balance isn't reported as showing Zero.
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Did not receive court documents
I recently found out that the energy supplier at my old address has put a CCJ against me but I never received any court documents, they were sent to my old address. When I moved address in March 2023 I advised the energy company of my move-out date and my new address via their app. I also sent multiple emails advising I…
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How long before removed defaults improve chances of credit
Hi, I suffered a financial meltdown in 2018, which resulted in 3 defaults all landing on my account in April and May of that year. The last 6 years has been difficult, as I basically haven't been able to get any high street product in that time, instead relying on credit builder credit cards, and a far from ideal car…
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CCJ not on report
I recieved a letter today stating I have a CCJ against me dated 20th July 2020. This CCJ has never appeared on my credit report from any of the three agencies. I searched the claim number in trustonline and it says the number doesn't exist. How can this be? Are the company telling lies?
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Hard searches within 1 - 3 - 6 months
I recently downloaded CreditKarma following advice on another thread, and finding it really helpful. So it is advising me to avoid opening more than one new account in six months… but… I opened a new account with a hard search end of April, and now I want to do a bank switch of an established account to Santander (or…
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Decrease credit card limit before mortgage application
Morning, I am due to remortgage in August and just taken out a new Halifax clarity credit card to use abroad for holiday later in year. They gave me a limit of £4k. I have just noticed an older card which I have around £1k on (0% rate) but had a massive credit limit of £9k. I have another two CC that I use for day to day…
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MSE Credit Club - download a copy of report
How does one download a copy of the MSE credit report? I could do it with the old one, but cannot work out how to do it with the new one
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Edit or start new credit file request
Hi all, I have recently opened a credit file request with Experian in order for us to prove credit history before looking at mortgage options. However, when I submitted the request, I inputted the wrong address as I am currently living with my partner, but all my banking details, bills and voting address are at my parents…
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Electoral role and council tax
Hi all, looking for some advice. We have recently moved to a caravan park where we bought a lodge. It’s a 12 month site so we are allowed to live here all year round. We don’t have to pay council tax as we pay ground rent to the site owners. the problem we are having is that now we have moved here we are not on the…
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New banking switch offers
Hi so I'm looking to take advantage of the new tsb and Lloyds banking switches I have some dummy accounts but not with direct debits setup. My question is if I setup 3 direct debits on them today can I immediately switch for the offers or must I wait until those DD payments actually go out of my account ?
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I should be getting loans easily but being refused
My salary is over 27k before tax, put 500 of that a month into sharesave anyway lucky I no longer need a loan but when I did even though my credit rating really good never missed credit card payment never missed a mortgage payment, and use to be on full credit card payment now or minimum, also have a overdraft never gona…
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Cannot get access to New MSE Credit Club platform
Not sure where to post this topic, but I am unable to access the new MSE Credit Club platform. I had access to the previous service, and have recently received an email saying I am invited to use the new platform. But, I keep getting an issue where it says my login attempt was not successful (see picture below). I have…
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Random address on Transunion
I've discovered that there is an address (near where I live) that is mentioned on my Transunion report (via Credit Karma and Totally money). I am not and never have had any connection to that address. Also, the address where I actually live has been listed twice - with different dates. When I go to transunion for a…
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Please help. 3 defaulted accounts.
Hello, I am certified accountant in the UK. My credit score
has been ruined due to 3 defaults(for £700 amex, £195 vodafone and £100 I don't
remember what it was).
All defaults are happened at the same time a year ago between Jan 2023-May
2023. It used to be extremely high, but now It is that low, so I
can’t even dream…
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Defaulted Virgin account from 2017
Help and advice very much appreciated. I have a mental health disability and finances are a major trigger for me. I'm working towards fixing my credit file, but I have a recorded default with Virgin Media on my Equifax report. The account says opened May 2017 and last update April 2021. I am seeing missed payments for…
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linked address to my experian credit report that i don't recognised
Hi all Looking for some advice I've applied for re-mortgage and been declined as they said it's something on my credit report. I then gone the Experian to see what's on the credit report and noticed that there's a linked address that I do not recognized nor I know anyone that lives at that address. I was a victim of…
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Missed Payment Drop Off
If a credit file has some missed payment markers for the same company spreading for example July 2018-Nov 2018, for the same debt. Do these all fall off together when the first missed payment marker hits 6 years or do they all fall off one by one each month?
