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Always in overdraft
Hi im looking for advice on two things, how much being in your overdraft nearly all the time affects credit score/mortgage application and also can a bank take an overdraft off oyu with no warning ? in a nutshell my savings are 4 times more than my overdraft but currently to one side to buy a house, if i was to put enough…
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I got declined but don't know why
A few days ago I tried to get a new mobile. Nothing fancy, just a reconditioned iPhone from Giffgaff that would cost me £10 a month over a couple of years. I had to go through a credit check, and when I put in my details, I was declined. I'm a little confused by this. It's the first time in years I've tried to do anything…
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Demanding Payment and Debt collection - Bill after 2 years
Hi, I moved to a new build property a few years ago. As usual, I took on electricity, gas, broadband and paid them as normal - either the vendor contacted me OR the builder provided my details to these utility companies. Since I moved in, I never had any water bill and no water utility company contacted me. I did not…
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D11 Enforcing a Court Orde
Hi I'm looking at enforcing a financial order, using the D11. I'm not able to afford a solicitor, so completing it myself. The financial order was submitted in 2017 and re-addressed in 2020, and there is a section that the Ex (Respondent) has not fulfilled, namely to remove me from the joint mortgage, by either sale or…
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False reports
Hi i use clear score and I’ve seems that virgin mobile has put 4 months of arrears on my report bringing my score from 600 to near 300 and I don’t owe them anything I left them October last year and I paid my last bill off they’ve told me to email credit amendment but they will respond in 21 days Why are they sending false…
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To have two PCP car finance agreements on my credit report
Apologies if this is the wrong thread but it’s in regards to searches, credit files and borrowing on PCP. Bit of a tricky one here, please bare with the long post; I unfortunately wrote off my car in November. The process prolonged until a week or two ago due a third-party company elected by my insurance to recover my car,…
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Credit history and repaying interest free catalogue account
I'm looking to build a credit history after returning to UK. I was unable to get a credit card, even a basic one. I was however accepted for a catalogue account, which will simply be used to have a credit account on my record until I am eligible for a credit card. I need advice on repaying it. I bought something very…
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Cra Score Fun Time....
Todays almost Perfect day, it's only taken almost 12 years to read Excellent!
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A little help with CCJ's and outstanding debt
Hello all, new user so go easy on me. A few years back I got myself in a mess mentally and financially. I did what at the time was I felt my only option and buried my head in the sand. Fast forward to this year and I've started to try and fix my finances. I've signed up to Experian, Credit Karma etc and started to sift…
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Credit limit low
I just received my credit report and my credit limit is low. I have a loan I pay regularly and my mortgage. My bank account is always a couple of hundred £ in credit each month. What can I do to improve this?
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CCJ - time frame between claim letter and issue.
Evening all, Ive got a bit of an odd issue and hopefully someone more knowledgeable than me can shed some light on it. I have received a letter today from Mortimer Clarke solicitors, stating “As you are aware, proceedings were issued against you in the county court business centre on .” (Im presuming there should be a date…
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Should I go through with an AP?
Hi all, I have been reading around these forum's on what affect an AP would have on my rating longterm. Basically my situation is that I'm paying off my credit cards, and after all my outgoings I'm left with less than £30 a month. I have looked at what I can cut back on but found nothing. I'm not able to get a balance…
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Have your say: Review of Credit Reference Agencies.
This affects us all. The Financial Conduct Authority is looking at the Credit
Reference. The Credit Information Management Study (CIMS) We, as consumers can have an input, closing date 24
February. Links: Credit
Industry Management Study Interim Report & Discussion Paper Potential
remedies of above report Important for…
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Financing a car and credit files
I had a search first, but I wasn't able to find an answer to something I was wondering about - How is car finance reflected on a credit file? I know an unsecured loan will show as simply a loan, but what about PCP, Hire Purchase or a loan secured against the car? How about finance provided by the manufacturer on a new car?…
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Anglian Water Default (Registered multiple times) - Help Please!
Sorry if this has been covered elswhere - I searched the forum but couldn't find a definitive answer for this situation. I have a default from Anglian Water on my credit file, and it seems this default has been re-registered multiple times (for various reasons) over the last 6 years. The original default was registered in…
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Does checking your credit rating affect your rating?
As per the title. If I check my credit rating does it negatively affect my credit rating? I was refused a loan today. I am confused as to why as I have no debt or bad credit. I want to check my credit rating. I don't want to check my credit rating if it will affect me negatively. .
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Broadband Credit Search Criteria
I noticed that Broadband services now require a credit check, even the ones for social tariffs. I called two companies to find out more, they were only able to say it was binary, you pass or don't pass. Can anyone please tell me if there is a specific score or how would the check be calculated?
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My credit rating
I was
refused a loan today. I need to get dental implants. Due to severe bone loss in
my upper and lower jaw dentures are a problem. The dental company checked to
see if I could get a loan from the finance company they use and I was
refused the loan. The rate was 5.6%. I work
part-time. I also get PIP and disability…
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CCJ from charge in 2016
Hi all I was looking at loans over the weekend and while doing a credit check, I discovered that I had a CCJ on against me that I had NO idea about. After doing a lot of chasing, it turned out that this had been for an unpaid parking fine (that I also didn't know about) from 2016. It's currently sitting at £369 and the…
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2 CCJ'S set to expire and 1 CCJ id like to satisfy, can i?
Hi everyone, these are the CCJ's. Went through a divorce. No excuse but bills were the last thing on my mind, stronger people would have handled it better. 1. Judgement date 06/02/2017 - £451 2. Judgement date 09/02/2017 - £861 3. Judgement date 13/06/2018 - £326 I am hoping to rent somewhere. I cannot satisfy the first…
