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Can you get a CCJ for a service never received?
Hi, I signed a family gym contract for my kids and I but life circumstances changed soon after and we never went once outside of the day the contract was signed. I did inform the company that I couldn't afford payments but was told because it was past the cooling period I needed to pay for a full year, about £200 or so…
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One hard recent hard search severely hit credit score!
Hi All I am in the process of moving house and will need to borrow additional funds for the new house. I've usually got a fairly good credit score (use clearscore) of 836. In the last month I have paid off £3000 on a credit card but have also taken out a phone contract which has significantly hit my score by 76 points now…
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Experian Electoral Roll Issue
Hello All, So Im having a current suitation with an electoral issue. I've been at my current address for the past 2 years and was on the electoral roll the whole time until March this year. I realised my electoral roll was showing up on only experian and after doing some debuggin with Experian and my local council I…
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Self-added 'Arrangement to Pay' w/o understanding it - didn't need/use it. Need help removing marker
What a way to shoot yourself in the foot... can't believe how damaging this is and that Lloyds won't help me fix it - I don't remember it being explained sufficiently, I clicked on a few hyperlinks? It didn't tell me that an arrangement to pay would be unsuitable for me, as I didn't owe anything.... I didn't speak to a…
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Address not updated on Experian
Hi. I moved house last December and informed my banks, credit card providers, Council Tax, electoral roll, etc. accordingly, but now, some four months later, my old address is still showing on my Experian report. Do I need to take any action? How long should it take to update? And will this slightly outdated address have…
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Will high credit utilization show up on tenant referencing check?
Hi there, I'm looking to rent a flat with my partner and I am nervous about failing estate agent credit checks as I currently have high credit utilization (about 7k across two credit cards which is 46% of my total available credit). Long story but I am working to pay off and have never missed a payment. The minimum…
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Dispute with high street bank / default now my mortgage is 10.3%
Hello All, Please can you help me. I opened a current account with Barclays Bank in 1994, later becoming a student account with an interest-free overdraft. The issue arose when I moved house in 2012, notifying them of a change of address. I knew there was a small amount of money on the interest-free overdraft, and in 2014,…
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Credit Score Late Payments
I paid British Gas bill for gas/ electric late in 2018. It has since been recorded on my Clear Score account as one late payment ie one bill. Checked recently and same entry now recorded as 2 late payments ie gas and electric separate! Have raised Notice of Contention with Equifax via Clear Score. Absolutely outrageous to…
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Requesting a 6m Interest Only Repayment - Credit Score Effect?
I am going through some financial issues and with recent huge spikes in minimum payments from Tesco and Barclaycard I am going to contact all my card companies (6) as to whether I can just pay the rounded upwards monthly interest per month for 6 months to give me some breathing room. Do you know how they may react and most…
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CCJ affecting my credit score
Hello I recently applied for finances on a new purchase and was rejected at first. I checked my credit report and found out I have a CCJ from 2021 from a private parking ticket. I didn't acknowledge any letters, but at some point I moved out and forgot about it. The CCJ was issued in 2021 and I was living somewhere else by…
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Urgent Mortgage 2023- payday advice
Fffffffffff
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credit search
My husband and son have the same first and last names and same address why can they not have a credit search each. ive tried everthing to seperate them but credit searches only go in first and surname and address anyone else have this problem
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Credit file
Hi all, I've got my self into a bit of mess and need some advice. I've defaulted on 5 accounts due to loss of job. Payment plans will now be set up. I was wondering in regards to how long they will be on my file for ? Is it 6 years after the set up of the account? Or the when the account went into default? Also if a…
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Energy supplier caused direct debit late payment
We are having trouble with our energy supplier. Long story short we have an excellent credit score no missed/late payments. Now we do have a missed payment on our credit report. Supplier emailed 6 Jan 2023 “Great news your DD is set up and ready to use”. 26 Jan email “We’re sorry we recently updated your energy account and…
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Late Payment
Hi, I closed my energy acc with British Gas as I moved house in December 2022 and was told to wait for my final bill but not to cancel my direct debit. Due to postal strikes combined with Xmas volume and several bank holidays, the final bill only arrived in the first week of Jan. I called and paid the £600 in full as soon…
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Score movement
With apologies if this has been covered before BUT are the CRAs and/or associated apps in bed with other companies and financial services? ( I'm thinking in particular of Credit Karma ). Would it be inconceivable that a service like Credit Karma tells you that you're score has gone and then at a random point of their…
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Negligence and Judgement by default and repocession
The landlord instructed a solicitor and they made a claim at the County Court Money Claims Centre I received a Claim Form, dated 12 Dec 2022 Solicitor's fees and Court fees have been added; a total amounting to £2457.08 When I received a Claim Form, I entrusted Totally ADR (Dispute Resolution, Specialists in Small Claims)…
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N1SDT form and statute barred debt
Hi GUys Hoping someone can help me, i received this form today from the County court business center stating i owe Capquest xxx amount but I know this is a Statute barred debt of over 6 years what should i reply when replying to the court, please should it be simple i know nothing of this??
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Found out about historic CCJ
Hello, I recently applied for an investment savings account, and was told that during checks the company have found a CCJ against my name from 2018. I've had a mortgage in the last 2 years and this never came up, and have also had various other credit applied for successfully. I asked for more information from the company,…
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Payments to parents before mortgage application
Hello how will monthly regular payments to parents for lodge be looked at by a mortgage company? I’m on the run up to getting a mortgage and want to make sure I won’t come into any problems with my bank statements. I just have the usually card payments and direct debits and subscriptions affordability is not an issue with…