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Limited Right to Manage Company - CCJ
Hi, I'm 1 of 3 flats that are part of a Limited Right to Manage Company, this means the freeholder has given over us the right to manage the freehold, and we pay our own liability, buildings insurance etc. One of the other flat owners who is registered on companies house as a director, as am I, forgot to do the company…
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Pursued for a debt I do not owe
Lantern Debt Recovery began to chase me for a debt in excess of £1700 more than a year ago. I asked them to provide proof and they sent an unsigned copy of a credit agreement with Cash Euro Net UK. This company went into administration October 2019. I referred the matter to the FOS. Lantern requested photo id, bank…
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Identity theft - Do I have grounds to apply for compensation?
Hello, apologies in advance if this is posted in the wrong section of the forum. Earlier this year I discovered that in late 2018 someone fraudulently took out a payday loan in my name. As no repayments were made on the loan, the account eventually defaulted and was passed on to a debt recovery firm. I have finally managed…
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Default against my name - rogue trader
I am looking for some advice, I purchased a newer used car from a small dealership in 2020. I traded in my old vehicle, towards this car. Long story short, the dealership did not pay off the outstanding balance of the car I traded in and then ceased trading. The finance company have defaulted the loan against me, and I…
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Default and AP Markers
**Apologies for the extremely long post** I wonder if anyone could assist on my situation? Early 2014 took out car finance with Black Horse for my small business. Within a few months of taking this out a company I was subcontracting for went into liquidation owing me £££ of pounds. This left me in a situation where I was…
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Default still visible after six years
I have a default dated 15th December 2017 still visible on Experian. Yet Experian say default are removed after six years. It has been removed from Clearscore and Credit Karma. Anyone know why this might be? Thanks
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CIFAS SAR response 'issued' but how long to receive?
I filled in a SAR yesterday and am surprised to see that clicking into the status URL it seems to be ready, 'We have completed your request and have issued our response to you which you should receive within 5 business days.' I'm pretty sure they send the response via email, so how long does this actually take as I don't…
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MoneySavingExpert Credit Club credit report issue
I joined up to the MoneySavingExpert Credit Club https://clubs.moneysavingexpert.com/creditclub/dashboard a few of months ago, but now when I go to check my credit report I just get an error message saying the following; Credit report failed There seems to be a problem getting your Experian Credit Report. Please try again…
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Bank debt still showing 13 years later
Hello, just checked my credit report and there is an RBS account that I defaulted on in July 2010. It says account is open and default date is September 2022? Will this stay on my credit report forever? I thought it was removed after 6 years but not sure if bank debt is different. I have not received any letters for years…
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Credit Karma
Hi I'm not sure where is best to post this. Or if I should email MSE directly. But I was wondering why they recommended this company given their poor reviews on their Facebook page. My experience is they send out alerts for credit searches that they are responsible for creating themselves. It's alarming if a search with…
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Possible mistake by mortgage lender
Hi money saving experts! Not sure if I have put this in the correct category - it could fit into a few. A few months ago my partner died very unexpectedly at 42 (I am 39). We had just bought a house together and were joint owners. When I notified our lender that my partner had died, they said that the mortgage would be…
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Someone else is using my home address
I keep getting letters from bailiffs chasing someone who is racking up debts on my property. How do I prevent this from happening again? Is there a company who can help? This person has never been registered at my address. It's getting worrisome as I don'twantmy credit rating to be affected.. Thank you.
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Incorrect information on CRA reports - should I do anything about it?
I checked my Experian and Equifax credit scores using MSE Credit Club and Clearscore. Equifax's report says that I don't have a credit card, which isn't true - I've had at least one for over 30 years. Experian doesn't seem to know about my credit card either and also said I wasn't on the electoral roll at the address I'd…
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banks & bs failed identity checks
I have come up against a problem opening new online savings accounts in your best buy lists. Failed identity checks seems to a common reason, but no one will tell me what the exact problem is. I have had same online bank account for 20 years in same name. I have never been in debt, not had an overdraft for many years, paid…
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False mortality flag
Every single time Yorkshire building Society ask for an ID check with Experian they report that my name appears on the mortality file.Experian denies this and there is no such marker on my credit report.They say they are merely passing on information but will not disclose their source.The financial Ombudsman has seen this…
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Can Santander audit me, when I don't have an account with them?
On doing a recent check to try to ascertain why my credit rating had been downgraded from 'fair' to 'very poor', I noticed that Santander (with whom I have no account) did an audit on me, last December. At that time, my card (for the account of my mother, for whom I have power of attorney) also wasn't working. my own card…
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Ongoing Defaults after a Bankruptcy Discharge
Hello, I am new here! I am hoping to get some advice. Got in way over my head after I closed my business in 2019 with debt. Bankruptcy really was the only solution. The bankruptcy was discharged in 2021. However, whilst the majority of creditors state 'Satisfied' on my credit reports, three creditors are still issuing…
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Is it better to close credit cards down?
I have a question as I have used 0% cards a lot and not have pretty much every credit card you can get. I'm not able to fine any new cards so I was wondering whether or not its wise to close some of them down but my concerns is whether it'll affect my credit rating by doing so? The idea is to close them down and then wait…
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Credit score effect when clicking to "view and apply"
I'm interested in a loan via MSE, i understand that only a soft search is done, but if I "Click and Apply" for one in particular to read more info, does that hit my credit score, before I've actually completed any further details?
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Credit Report showing a Virgin current account that I don't have - Virgin agree too
Having just reviewed my latest Credit Report (on CreditKarma) a Virgin Current account is being reported, with the last four digits being stated.. Whilst I have had several bank accounts and a Credit Card with Virgin, they were all closed before this year, or earlier this year - but the Credit report states that it was…
