-
Can someone clear this up for me please - sold on debt
Evening, Could someone please clear this up for me. I had a loan which has been sold onto a debt collection agency. Can someone tell me what Lowell should be reporting please, ive not missed a payment with them yet they are reporting as 6 missed payments. Lowell have informed me of the below: Lowell Response - * Paying…
-
Returned item to seller
Hi, I returned an item I was purchasing via Klarna for £20.99 back in December 2022. However, as it wasn't as good as I thought it would be, I returned the item within days of receiving it. Returns by recorded or signed for wasn't stipulated, I returned it by ordinary post. Then I began getting chased for payment, I told…
-
Adverse Accounts
I have just checked my credit report as I've been rejected for a bank account switch as apparently there are adverse accounts on my file. I have no idea what these are or why they are there. It says something about missed monthly payments but I haven't had any that I can think of and both of these accounts are closed. One…
-
Credit Club Log In Problem - Cannot Log In With Reset Password
Hello, I have tried to do a password reset to log in to my Credit Club account. I get the email link and then reset my password and it says "password reset successful". However, when I then go to log in with the new password it says "your login attempt was not successful, please try again". I have tried resetting it a…
-
Credit Score & Mortgage
My question is can I get a mortgage with a bad credit rating? I’ll give some further context.. my credit score is 590 (the best it’s been in a long time!) i have a satisfied CCJ - does this drop off from when it started? Or from when it paid off? Because that will be either 3 or 6 years ☹️ I have a couple of debts left,…
-
Credit Reference Agencies may hold your data for up to 10 years!
I posted some questions about this elsewhere as I have negative payment markers on my file which go back 8 years. I have found some information which I thought I'd share so started this new post... This link https://www.experian.co.uk/legal/crain/ is from CRAIN which stands for Credit Reference Agency Information Notice.…
-
No proof of debt from creditor - what do I do now
Hi, I requested proof of the debt from a creditors solicitor 8 weeks ago, they said it would take 6 weeks and I still haven't received anything. I've tried calling but the queue is long and the music annoying. I'm guessing I should now write to them and ask them to remove the debt from my credit record, but could someone…
-
Credit File Disputes
A default is showing on my credit file that I do not believe is fair. I have tried every avenue of appealing to the bank, who are dismissive and refuse to look at any evidence or information to the contrary of their decision. I have asked for information from my new bank, Experian, the financial ombudsman, and Citizens…
-
DMP Plan - Default
Hi, so 2 years ago I had a breakdown with all my credit cards as I was leaving myself with no money to live as I was so focused on ensuring my credit cards were paid every month. This all got too much as I wasn’t actually paying much off the balance just interest! I had never ever missed a payment! I then decided to…
-
Debt within 6 years, yes or no?
Hi, I began an IVA in 2017, settled in 2020 and it dropped off my credit file in January of this year. My partner and I are now in the process of applying for a mortgage and the broker we’ve approached has said many lenders won’t touch me unless me iva has been completed 3-5 years. I was dubious about this as not heard…
-
I was denied an internet contract but my credit score is 999?
Hi there, I wonder if anyone can help me out here. I'm trying to get onto a new broadband contract for about £30/month, but three different providers have rejected me because of my credit score. I have never once had an overdraft, all my payments are up to date and I have no debts. I just checked my credit score with…
-
Will setting up more than one interest free payment plan affect my credit rating
Good evening forumites. I am in the midst of renovating my flat and looking into interest free payment plans for new kitchen, bathroom and living room furniture (all with different suppliers). What is the impact on your credit rating of having say 3 or 4 interest free payment plans in place? Can you open 3 or 4 over a…
-
FCA
I have received an email from someone called Kim Smith, her email is (Removed by Forum Team) @gmail.com. and she is claiming she is from FCA and wants me contact her regarding my creditors? Is this a scam as I can’t find any information about her?!
-
Curry’s ‘Your Plan’
Hi all, Can someone confirm whether the Creation Consumer Finance (Curry’s your plan finance) sits under Credit Cards or Loans in the CRA’s? Also, would anyone know how it looks when a 6 month / 12 month deferred interest plan is selected. I am in need of a bit of tech and it is eligible for 6 months at 0% and then…
-
Soft Check v Hard Check
Hi everyone. Does anyone actually know the difference between a hard and soft credit check as far as a lender is concerned? Anything I find online states the obvious (one leaves a mark visible to others and one doesn't) but suggests both show your credit history and utilisation. For example how can some people pass a…
-
Ccj 4 months left on file
So just a quick question really and appreciate it may seem a silly one but it’s been a long long time since I’ll have a credit file that’s in good order. I have a satisfied ccj that has 4 months left on my credit file I have a few credit cards all paid no missed payments had loan for 3 years which ended a year ago again no…
-
Anti money laundering
Why has a company called Entain operations in brackets (cosmos cval ml)done a anti money laundering check on me , also says Elecralimited ?
-
Credit score
I am currently paying back a 0% credit card of £5000 and another one of £2500. I pay more than the minimum every month to clear them quicker. Once i finish paying them will my credit score be damaged for a long time?
-
Credit report says only 18 months at current address...
...but I've been here 30+ years! I was just reading my creditkarma report and it says one of the areas of improvement will be when I've lived at least 5 years at my address; however, I moved here back in the 1990s.It seems that the Council (re?)registered me on the Electoral Register 18 months ago, in Dec 2021.I've never…
-
Boosting my partners credit rating by adding her to an old account of mine
Hi, I want to boost my partners credit history as currently she has next to nothing. If I add her to one of my oldest accounts such as one of my mortgages/bank account or phone contract. Will she then have all the length of age or would it start at month 1? I have accounts over 10 years old. Surely adding her to one of…
