-
Moved: HSBC credit card default question
This discussion has been moved.
-
Suspected Bank Fraud - CIFAS safeguarding?
Good Morning, this is a little bit long-winded, but I'll try to summarise as best I can. My (only) neighbour and I have had an ongoing issue with the Royal Mail for several months now, where our mail (letters etc) never get delivered but amazon packages regularly do - this has resulted in us making complaints, one delivery…
-
Mortgage due 28th Feb, paid 14th March reported as missed payment
Hi, Please offer some advise if this is worth me perusing with ombudsman. My mortgage payment was due 28th Feb 2024. Other half forgot to transfer money into account and so payment bounced back. (don't get me started!!) He paid in the same day but it did not re take as we must have missed cut off. I called lender Saturday…
-
Cifas Warning
Hi Would appreciate any help with Cifas Warning please. Someone recently used my details to buy iPhone at John Lewis. They set up credit account with company called Creation. I noticed after first monthly repayment was taken from bank account. Creation has refunded the money and sent me letter to say they've set up Cifas…
-
Help – credit file arrears
Hello, I'm looking to get a mortgage soon and have just signed up to check my credit report (stupid I know!) and have discovered some very old arrears. Basically, I had a 12-month SIM only contract with Vodafone that ended in October 2018. Apparently, I cancelled the direct debit after the 12 months but didn't formally…
-
Credit file and Vanquish
Hi. Long story short-ish. I have a vanquis cc that hasn't been used for years and assumed account was closed as CC had expired. My fault i let it in PayPal as a payment card and it was used to make a payment for a recurring charge, no idea why they did that. Anyway I assumed this was fraudulent and spoke to Vanquis,…
-
Does your oldest account really make a difference to your credit score?
I've just moved current accounts again, and as a result I have added to my ever-increasing collection of credit cards. I now have 6, with a total credit limit of £20,000. I don't need that many (who does?!), and some need to go. I'm constantly advised by the likes of Credit Karma that a total limit of £15k is a good thing;…
-
Credit cards missing from credit file after name change from marriage
Me and my wife are going to be applying for a mortgage in the next week or two. My wife has been changing her name and address after we got married on her bank but now when she logs into her credit club account it's showing she has no credit cards. We don't have access to the other CRA to check them. When we apply for a…
-
Desperate CCJs removel help. X
Hi I had a dispute with a estate agent over covid they were furloughed and alla services promised we didn't get. I disputed and defence this with thier solicitors it was 2020. The court said they didn't receive any paperwork to defend. I sent again I received confirmation the case was set aside. 11.2.2023 I recieved…
-
Credit checks
Hi everyone I am completing the questions to obtain my credit score from Experian. They are asking for bank details including my account number to identify me. This I wish to avoid for security reasons. Is there any way around this?
-
Betting company searches on credit file
My credit file shows a single soft search by Power Leisure Bookmakers Limited. The search has a sub-title of 'Anti Money Laundering'. I understand that betting companies undertake soft searches on some of their customers however, I am and never have been a customer. I'm assuming my details have been used in respect of a…
-
Default removal
Hi, has anyone had any success in getting a default removed from credit file?
-
Getting a Mortgage
Hi, I have recently been able to take advantage of taking one of my pensions early and have had a lump sum. I have put the majority of this into Premium Bonds as I want to buy a house in the future I have paid off some urgent bills I am in a DMP with Step Change and want to pay this off and am in process of getting…
-
Building a good credit history
My eldest is just about to finish uni, and wants to start building a credit history with a view of buying a house in 12-18 tt. They already have a job lined up. They need to take on their mobile phone from September, currently I pay £7.50pm via Tesco and they don't have higher aspirations for a mobile phone. They do have a…
-
List of credit card payments
A while ago I stumbled upon a page that showed a full list of all my credit card payments going back for quite some time. It was interesting but irrelevant at that time so I didn't note where it was. Now it would be REALLY useful to have that information in that format and of course I can't find it again - anyone have any…
-
DWP checks
Anyone answer this please.... I understand GOVERNMENT AGENCIES are allowed to see your personal Financial Records however I don't know how they access this information. I know there are CREDIT REFERENCE AGENCIES...do the DWP / HMRC access records from all of these agencies ?
-
Airbnb Situation :( Worrying!
Hello everybody :) Really hoping you can advise please on my situation and if this is likely to cause me issues down the line! I will try to keep the story brief as possible! Joined Airbnb and booked a one night stay for a parent's birthday. Unfortunately whilst there by accident one of my family spilled a pot of the…
-
Score dropped after recommended credit usage
Hi all, I'm pretty confused. I've had a credit card for a few years but have only just started using it in the last 2-3 months. It has a limit of £1k. I use it for most things and pay it off gradually throughout the month. I started using it to improve my score. Near the end of the month I make sure I have £100 on it - so…
-
Why Scammers (Often) Win: My Bank Holiday Nightmare Protecting My Identity (That Wasn't Even Stolen!
Hey everyone, Ever had that sinking feeling in your stomach when you realise you might have just handed over sensitive information to the wrong people? I had that dubious pleasure over the recent bank holiday weekend, and it’s left me convinced that scammers often have the upper hand, simply because protecting yourself is…
-
CCJ's and rights/help as a disabled person?
Hello, A basic summary of my situation is that I am Autistic, I have CCJ, I would like to move out of the city because its making me ill and Im worried the CCJ will put off landlords. I was never given the option for "breathing space" or any other help. Are there any grounds for applying for the CCJ to be removed/changed…
