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BANKS ON CREDIT FILE?
Do all banks appear on people's credit files? Seems that some are not for some reason?
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CIFAS - False Identity Marker
Hi all as I’ve recently been declined a current account, I’ve requested a SAR from CIFAS and it looks like JAJA have recorded the above on me. I’ve applied twice in 12 months for their ASDA credit card and this is what makes me think has affected my account application. I did those applications myself. Is there any way to…
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Asking o2 for compensation
Hi everyone To simplify what’s happened, I took a phone contract out with o2, and didn’t like the service - so I cancelled within the 14 day cooling off. After this time, o2 took a years worth of the contract out my bank incorrectly which I clawed back on the direct debit indemnity scheme. Unbeknownst to me, o2 then put a…
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Missed payments and mortgage application
Hello, I’m looking at selling up and borrowing some extra next near in a hope to move. Only problem is I have 5 “missed payments” from British Gas from last year (last missed payment was August 2022). I won’t bore you with long story but I got a large bill when my energy prices just shot up (I also left British Gas so this…
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Moorcroft Debt Recovery - password-protected documents, etc?
I'm dealing with Moorcroft with regard to a PayPal "debt" that I'm disputing. There are long delays. I've replied to every one of their communications the very day I've received them but it takes them 1+ weeks. Most frustratingly, they insist on sending password-protected documents. The password is apparently my date of…
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Credit score after bankruptcy is removed
My bankruptcy has been removed today, but there has been no change in my credit score. I am adding this for peoples information. I expected a change as credit clubs Experian score is much higher than my normal experience score. Credit club didn’t show my bankruptcy so was expecting good things, but unfortunately there was…
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Southern water default
Hi, looking for some help! I had a southern water account from 2018 - 2022. During this time I did not often pay on time, due to personal issues. I entered an IVA in 2020 to resolve my debt issues. I settled this in Nov 2022. I recently had correspondence from southern water about £500 owed that I was not aware of, from…
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Reported for missed payment & 100 points down mid Mortgage application. Stresslevel 1000
Hi all!! Really new Newbie here :# :# I was reported for a missed payment on a Insurance payment without the creditor following legislation procedure. I missed a payment on a Friday, on Monday they sent a Default Letter by post and by Wednesday they has already reported me to the Credit Agencies for a missed payment, all…
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High credit card utilisation following house build
Ok, long story short, for the last 18 months or so my wife and I have been building our new home from scratch. Architecturally speaking, it’s not quite at the level of your average episode of Grand Designs, but just as those episodes typically play out, the project has been fraught with unexpected issues - and costs. Due…
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Old Debt and Credit File?
A Credit Card was defaulted (i.e. I started to offer less than the statutory payment) back in 2014. I have made regular payments since then directly to the Credit Card company. They have now sold it on to a DCA. I am happy to shift the payments to the DCA or make an offer to settle, but, as I am concerned that they may…
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Should I re[ay defaulted credit card debt from 12+ years ago
Hi...due to my own stupidity i racked up around £15k in credit card debts around 2010 with no way of paying back. I ofc defaulted on repayments and spoke to Step Change who suggested making a token payment per month. The debt has been moved to various companies over the years and is now with Lowell. I have been paying £1 a…
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Ongoing default
Hello, My husband had an Argos card back in 2015, he purchased some furniture for our new house on a buy now pay later then obviously (and stupidly) forgot about the pay later part. He isn't very tech savvy and never thinks to check emails. It wasn't intentional to miss the payments but stupid none the less. In Feb 2019…
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Capquest and Opos
I have received a random letter today saying that Capquest have taken over a debt owed to Shop Direct Finance Company Limited and that the account is being managed by Opos Ltd. I haven’t taken out a credit agreement in over a quarter of a century. Opos stated on the phone that they couldn’t find my “account” and the…
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Purchased from an online shop that is a scam site how to protect from ID and credit fraud.
I purchased an item from an online shop that now appears to be a scam site. I have contacted my credit card and reported to Action Fraud. As the store/people have all my information how do I go about protecting myself from identity and credit fraud?
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Indigo Michael
Hi I have had an issue with indigo Michael and my credit report showing an increase in credit to 3.5k I don't know anything about this and need to know how to sort it...I am working so hard to get my credit score up and this is going to destroy my hard work ... please can you advise on what I need to do. I can see other…
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Credit reports & linked addresses
So I thought I had gone through my credit reports (statutory) correctly - on a number of occasions - but I have gone through them again with a fine toothed comb and it appears that there are still some minor data inaccuracies. *a word of warning* - if you are going through your credit files (all 3 cra's) ahead of an…
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Credit score - 6 years after bankruptcy
Good Morning, my bankruptcy from 2017 is due to be deleted from my file in less than a week. There have been no further failed payments or negative impacts on my file. How much should I expect my credit score to increase once this is removed? I know this isn’t exact as there are other factors impacting my score, however…
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Fraud and loans
It came to my attention today that scammers have got hold of my name , address, date of birth and email address + phone numbers. Utility supplier alerted me they tried to verbally gain access to my DD details and failed. Then mobile phone provider sent me a text and email to say they had tried to verbally access my account…
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Default Dispute
Hi, I have a long story so I'll condense it as much as possible. I had a BT account which I closed in 2021 when I moved out of a house. They requested the return of the wifi and TV boxes which I did. I then got a letter saying I hadn't returned a Smart Hub 2 and there was a £50 charge. I phoned them and they said I had…
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Not sure how to explain
I took a look on my credit report today, I noticed something odd on my file, my three account report says £-8, every other month it £0 should I worry?
