-
Registering as Sole Trader to Pay Non-Domestic Bill??
I've rented a workshop on a farm for the last ten years with a friend, the rates have been in my name and electricity bill in his. This is purely as part of a hobby and not used for business in any way, I have a full time PAYE job. Now my friend is moving out so the electricity bill will go into my name, but SSE tell me…
-
Renting a flat with defaults on credit file
Hi all, really hope someone can help. I’m trying to get up-to-date advice on the impact of defaults/payment arrangement markers on passing a credit check to rent a flat. This subject has been discussed on here before but not very recently, and I think things may have changed… I know that it’s always previously been the…
-
CCJ for incorrect party
Hi, Me and my partner are both first time buyers. When checking our credit report it came up that my boyfriend has a CCJ. I have paid to look at the CCJ on the registry and it's incorrect. In short my boyfriend was owed money from wages which were not paid. He took the company to court and won! They paid the full amount a…
-
Credit card company not updating credit record
Hi, One of my credit card companies stopped updating credit reference agencies with my card balance in June. As there is a relatively large balance of 3K showing against the card from that time it is affecting my credit rating as it looks like it's still owing and so there's a high utilisation of my available credit. I pay…
-
Default reported twice
Hi, hoping can shed some light on this. Won’t go into the ins and outs but unfortunately had an old overdraft default and this debt was bought by a debt management company. Dealt with promptly and now paid off. The default is reported twice on my credit report- once by the bank and then by the debt management company. I’ve…
-
Experian Credit Lock blocked genuine credit check
So I'm annoyed with myself, having applied for a new current account and remembered that I had used the Experian "credit lock" facility just as I hit the final submit on the bank website. The hard credit check failed due to this, and now I'm not sure of the consequences or what I can do. The website said they need to do…
-
Being taken to court by BWLegal
We have had several letters from a company called BW Legal over an apparent thames water bill they have seemingly brought. The only issue that the address of supply on the bill is not an address we have ever lived at (though we did once live on that street it was a completely different number) the date of supply is also a…
-
Cifas marker from tenant referencing
Hi all, I have a question about a Cifas marker I have been made aware of, its validity, and my recourse options. Last year my lease was up and I had to search for a new place. This is in London so the options are not always the best and the process not the smoothest with availability etc. I found a place I would have liked…
-
Single Father In Need of Help!!
Here is a doozy for you, Recently separated from Wife and we 4 have children. All the bills came from my bank. Now because of miss management of the bills by the wife when they get paid. Late payments have show up. This has now made it completely impossible for me to get any kind of credit even for a small loan despite…
-
CCJ Enforcement Against Customer
Hello, I'm hoping this is the best place for this query. I run a vehicle storage business and have unfortunately got a couple of customers that have never paid an invoice, despite agreeing pricing and commiting to storage of the vehicle at the start of the term. In both instances, non-payment has now been ongoing for over…
-
PayPal Resolution 'Query'
Good afternoon all. I need to raise a dispute through PayPal credit for an item I have returned which I am yet to receive a refund for. The only issue is that PayPal register a 'query' on my credit file if I do this. Does anyone have any experience of this as I am concerned doing this will cause issues with my credit file…
-
Two defaults
Good afternoon, I have two defaults on my credit score which are mine. One is a store card with a balance of £774 and the other is car finance for £1,489. I am up to date with my credit cards (two) with a balance of £7,200 but am very near my credit limit for those. I plan to move back in with my parents shortly and should…
-
Poor Credit Score - Should I Close down unused cards?
Hello, I have a really poor credit score, mainly from issues 5 years back, My score is still pretty tragic however I have "Collected" credit cards over the years, and now I worry I have too many open and it could be causing me more negative effects. Should I close unused cards? I understand credit utilization will…
-
Historic Credit Card - Claim Form. What are my options to prevent a CCJ at this stage?
Hello, I received a claim form from the CCBC regarding an old debt from about 5 years ago on a credit card. I'd forgotten all about this, but this default has been sitting around for some time, and now the creditor has issued a claim form. My question is, what can I do at this stage to prevent a CCJ, aside from paying the…
-
Ombudsman appeal approval
Hi, I've submitted an appeal to the financial ombudsmen for a credit default on a joint account I had been advised I had been removed from (see post: Default on joint account held with ex husband — MoneySavingExpert Forum). I've now submitted an appeal to the financial ombudsmen and they have confirmed as it's a joint…
-
Credit file and British Gas Energy Trust
Hi, back in the autumn I applied for a grant to the British Gas Energy Trust. Further to the collapse of Neon Reef and the subsequent energy market chaos, I never got round to fully setting up my account with British Gas. The increase in prices left me with a large outstanding debt which I couldn't pay off. After 12…
-
Identity fraud and credit report
Hello All, I’ve recently been a victim of identity theft and social engineering where fraudsters took out loans in my names etc. my bank and lenders are currently investigating this. One lender has said they can right the loan off but it will affect my credit rating for the next 6 years. Is there anything I can do to…
-
Computer says NO
Years ago when Martin was singing the merit of credit score agencies I plunged right in with experian and believed it to be a good thing? Now that I am retired and do not have the thousands of pounds coming annually and with some missed payments on my credit cards I am treated like a pariah. If the companies that I have…
-
Defaulted account
Hello and thank you in advance for any help anyone may be able to give. I recently checked my credit report for the first time ever via moneysupermarket and was surprised to note that I have an account in default . I looked through it and it is a debt that has been bought by a debt collection company in August this year…
-
Experian have removed the vast majority of my accounts
A few years ago, I signed up to Experian and found that they had the wrong electoral roll address for me. I had them correct this and everything was fine. More recently I found that they've reverted to the incorrect address, so I contacted them to ask them to correct it, with evidence from the council. They sent me an…
