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CCJ after & during IVA setup - Removal possible?
Hi all, could with some advice. Short story, CCJ on debts already in an IVA. My partner recently completed an IVA after 4 years, paying her debts off a year early. Her IVA was with Payplan who suddenly have ZERO interest in any level of support now they have had their fill. A vulturous company and anyone reading would do…
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Triple Defaults - Same debts`
Hi all, Following on from my CCJ question regarding credit history defaults. Looking through a credit file there is a oine particular creditor - HBOS - who have defaulted on a debt. Fair enough, however then both a company called LOWELL and PERCH have also defaulted these debts. The default amounts are identical. How can a…
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Will unarranged overdraft affect credit score?
Hopefully applying for a mortgage beginning of next year. Stupidly forgot to change the standing order amount for my regular saver for my second bank account. Received a text to notify me, I paid off the full amount (£200) to bring me back into positive within about half an hour. Will this have effected my credit file?!
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Experian Failing Consumers
I want people to be alert that Experian has a system failure where it does not recognise people’s electoral roll registration and as a result Experian is damaging people’s credit ratings. I have provided evidence again and again that I am on the electoral register. I have got my council to confirm it and provide evidence…
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Debt Recovery - "Partially settled but with a zero balance" offer. What to do?
Some advice please folks.I started receiving letters from LCSDR chasing over unpaid Gas to E.ONI've never been an Eon customer but the last owner of this house was.I was getting letters from E.ON just after we moved in addressed to the occupier asking for follow-on address for the previous owners which I just ignored…
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Credit declined by O2
In early June I upgraded my mobile phone. After many years with EE I found a deal with O2 on Uswitch that EE couldn’t match. I applied online and waited for my new phone. It didn’t arrive within the promised 24hrs and instead, 2 days later, I received an email from O2 saying my credit had been declined. I was horrified,…
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CCJ Help
Hi everyone, I found out on Saturday that I have CCJ against me from a customer who wanted a partial refund on a car that was sold to her 2 years ago (16/08/21). I have spoke to the CCBC court this morning who has advised me that the claimant submitted a claim for £1060 for a partial refund on a car that was sold to her…
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Equifax issues
I left the uk in 2009 to live with family in ROI, returning to the uk in December 2022. I’ve never had anything on credit in the UK so I didn’t have a UK credit report. I opened a UK Bank account, registered on the electoral register, have utilities in my name. On the 6th August 2023 my very first report was finally…
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Equifax - what does "Special Arrangement" mean?
Morning all, EON have suddenly decided to start reporting my fixed energy deal payments to Equifax (18 months after the contract started, but whatever...). I took a look at my report via Clearscore today and unlike all my other credit accounts, which show as "Active", the EON one shows as a "Special Arrangement", and so…
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Bank Account Closed and Reported to CIFAS for False Instruments Paid In + First Party Fraud
Metro Bank. Account opened in 2017. In late 2019, I sold my car for around £8000. Payment received by bank transfer. Three weeks later payment taken out and returned to sender. My account got restricted and then closed. No correspondence at any stage from Metro. No access to my other funds for two months. Tried to open a…
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My credit worthiness
Currently in the credit repair stages as I had some financial problems years ago due to issues out of my control and my credit took a beating for it, missed/defaulted payments and CCJs unfortunately, anyways a few years or so on and I’m trying my hardest to mend and build up my credit again, but I’m a little confused by…
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CCJ set aside advice
I've recently been made aware of a CCJ against me due to a search on my credit file after declined credit. The CCJ was sent to an old address for unpaid ground rent on a property I rent. I thought I had notified the owner of the freehold of my change in correspondence address, however it turns out that I have informed the…
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Paypal Pay in 3 + Credit Score Impact?
Afternoon all, I've had 7 pay in 3 plans from PayPal over the last 8 months and these are now showing up on my TotallyMoney report provided by TransUnion. Does anyone know if these have a negative impact on my file? All paid on time and now closed of course but they only started to show up last month. TIA
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Capquest question
A few weeks ago I received a call from an Aldershot number from a man who introduced himself as from Capquest, and proposed to "ask some security questions". I replied that since I didn't know him or Capquest from Adam, it should be me who's asking him the security questions. I cut the call and blocked the number. It…
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American Express & Default Removal **Success**
HI All, Just wanted to share my experience: Was made redundant in 2019 and couldn't afford the repayments on my AmEx card, total owed: £2.5k. They then decide to default it in mid-2021 (1.5 years later). I thought, hang on, isn't a default supposed to be registered within 6 months of the last payment? So in late ApriI…
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6 Years removal from what date? Credit Report
Hello, Little question about the 6 year rule for things removing off your credit report, Is this 6 years from when the account was opened, 6 years from when it defaulted or 6 years from when it was last updated? For example I have an account opened in 02/16 that is on my report, and it was deaulted in 05/2018 however I…
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Credit Club - "monthly share of rent or mortgage payments"
When logging into Credit Club today it said it needed additional information: "monthly share of rent or mortgage payments".I don't know what this means? I already provided how much my mortgage payments are when signing up (as well as being single with no dependents); those are things it always asks me to confirm when…
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Default on joint account held with ex husband
I went through a messy divorce in 2016, we had a joint account with Halifax. As part of the divorce (consent order) my ex husband agreed he would remove me from the mortgage and joint account. I signed the appropriate paperwork. I was removed from the mortgage, it turns out I was never removed from the joint account. I am…
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Mbna arrangement and credit score
Hi, looking for a bit of advice, I have 2 mbna credit cards, both of them are charging interest and I am unable to transfer my balance. I contacted them to find out options and they have said can freeze the interest for 6 months and I pay monthly, they then consolidate both cards to one loan and I pay monthly up to a…
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Missed payments on credit report and how long for them to disappear
Long story short. I had a current account with HSBC in 2016 which had a £500 arranged overdraft. I maxed out on the overdraft 6 months after I opened it and because I was going through financial difficulties, I couldn’t make a payment to reduce it. After 6 months of making no payments HSBC reduced the overdraft…
