-
Removing CIFAS Marker
Hi Guys, I had applied for a M Plus Account to Virgin Money online, was rejected a few days after and didn't think much of it. However, some days after I noticed an update on my credit file, and seems Virgin Money had issued a Victim of Impersonation CIFAS marker against me. The only two things I think could've caused…
-
ClearScore missing miss payment
So not without sounding like Groundhog Day 4 months i think until satisfied ccj falls off file only thing I have was a 1 missed payment in 2019 from next but logged in today and it’s gone when I go into the next credit history just shows all payments on time like any reason why that could of changed
-
Unable to get credit
My 19 year old son, who has a bank acct with a wage going in weekly, is on the electoral list, has dd's going out, is unable to get any credit & Experian is unable to locate him. What can we do?
-
DMP only option?
Hi there, I've been reading the posts and trying to mentally digest all the information. I have already done a budgeting plan with stepchange and it appears a dmp is my only option. I would be so grateful if you have any other advice for my situation as I'm feeling really desperate. Here's my current situation. I'm a…
-
the experian app wouldn't let me have an account
the experian app wouldn't let me have an account, it says it couldn't confirm my identity :( what do i do? I wonder if it's my address, I've always lived at the same address, but only been responsible for the council tax in recent years, is that it?
-
Is the experian app ok to use?
Is the experian app ok to use, or should I use the website?Also, are any other credit score apps good?
-
Bounced energy DD but immediately paid after
Hi, I pay my eon next energy bill by direct debit each month and have always paid on time. I bank with Starling and have a bills pot that my DDs come out of. Yesterday however there wasn’t quite enough funds in the pot (my fault) and I didn’t get to it in time before the payment had declined. I immediately spoke to EON…
-
TSB changed default date
Hi everyone, I had a loan with TSB which went into default in May 2016. I entered into a DPP as part of the Debt Arrangement Scheme (Scotland) in September 2016, this loan was included. In May 2022 the account disappeared from all CRA, as it should have done. I was left a sum of money which meant I paid the DPP off early…
-
Vodafone Default
Hi Everyone, I have read through lots of threads with the same title and wondered if there are any success stories? I will go into my story below. I had a mobile account with Vodafone from June 2017 until August 2022, initially taken out with a 2 year plan but kept this running for an additional 3. During this period, no…
-
Guarantor and credit report
I naively signed as a guarantor for a small business loan last year that my ltd company took out to keep our heads above water, and due to the economy as it is, the company is struggling to maintain the loan. I have spoken to the lender today and have offered to pay the loan off in full once the sale of my house completes,…
-
Can a 2nd default be added years later/how do you prove a default was added previously?
I had a credit card debt default in 2006 and it was passed to a debt collection company (HFO....Rutherford.....Roxburghe....Link Financial now). I paid quite a chunk of it off over about 7 years and then I stopped in 2013. Nothing happened....they didn't chase me, I didn't call them. Then in 2020 I started to get emails…
-
Canopy rent tracking not working!
Hi, I've been using Canopy to track my rent for over a year. No issues until recently. For some reason I was unable to reconnect my bank account (I contacted Canopy and they said they'd pass it on to the tech dept but never heard from them after that). I now check my Canopy account and June rent payment is showing as not…
-
PCP Settlement
My current PCP on my car has recently come to an end and I have taken out a new pcp agreement on a new vehicles and also kept my car from 1st pcp deal. I have called finance company 3 times to clear outstanding balance on pcp for 1st vehicle and told could not pay as balance already cleared and have received letter…
-
Zilch account from out of nowhere?
This week June 2023 i have had a Zilch account come up which was apparently set up in 2021. Ive had no recollection of this account, received no emails, now all of a sudden its added £200 to my credit limit. Aqua reduced my credit limit from £3750 to £1600 in the same week which may be unrelated. All very strange. Zilch…
-
Lloyds banking app and the credit score it shows
Installed the Lloyds Bank banking app a little while ago and there's an option in there to look at your Transunion? credit score. If these scores are pretty much meaningless to anyone other than yourself, why would the bank have this? Do they get a bit of cash for everyone who signs up, or just a way to try and get people…
-
Lowell advice after prove it letter reply
Hi I am after some advice, many years ago I had a loan from Hsbc around 1999. I got in a lot of debt and had trouble making payments and this defaulted in November 2001.I believe a ccj was put on it around this time.the loan was around £8k Metropolitan collection agency was collecting £5 a month, over the years this was…
-
Erudio settlement offer - how much?
This isn't about me, but a friend who is unable to work due to illness and is on PIP. Long story short, Erudio was chasing him for student loan debt and its ended up going through court - we had some advice about it all from a specialist. We're due to meet with the specialist again next week and paperwork has been…
-
Premium Credit (Car Insurance) on Credit Report
Hi, For the first time ever for some reason Premium Credit - the company that pays for your car insurance upfront, and then pay them back if choose Monthly insurance payments. Has shown on my credit report. Is show as a Loan on my Report. Will this improve my credit score? Or is car insurance viewed like a Mobile Contact -…
-
Experian Credit Report on MSE Credit Club
Is anyone having problems accessing their Experian Credit Report on the MSE Credit Club
-
Mis sold trust deed
I was sold a trust deed in 2016 while on benefits. Over 4years I paid back over £4000. This ended in 2020, is there anyway I can reclaim this as I was on benefits and don’t believe I should’ve been sold this in first place now I’ve heard it’s illegal while your on benefits. I also have bad mental health. thanks
