-
Credit History Not Showing
Am looking for a bit of advice. I moved to the UK in 2013 from a different country in the EU. Work full time and earn a reasonable amount of money I rented a house when I moved here and took out a car loan and an arranged overdraft. I had a decent credit history accorded to experion at the time I recently (just before…
-
I Live at Two Addresses
Hi All, I live Monday-Friday with my Girlfriend in a Rented Apartment, but I recently bought a property which my Mom and Sister now live in. I live at the Owned Property address on Weekends/Holidays etc. So at my rented address I have registered all my usual bank account with all my bills and car finance, insurance etc, as…
-
Simply frustrated...
Hi. I don't even know where to start. I've been with the same bank, lived at the same address and been employed by the same company roughly for the same amount of time which is around 5 years and in that time I've had finance for a couple of things with no issue, some of which were paid off before the allotted time frame…
-
Debt Management Plan
Hi, I have been in a DMP since my divorce back in 2011. I have £2500 left to pay on it and estimate finishing Jan 2017. These debts are showing as default on my credit file. My DMP is with Payplan. I phoned them asking if I could make a full and final settlement offer to the 4 creditors of £1500. The person told me that…
-
Are ico decision enforceable
How do you go about getting a ico decision enforced, mbna have told me there is nothing new to look at they consider the matter closed,
-
O2 Refusing to remove default on my credit file
I'd be super grateful to anyone that can help. I have a settled o2 default on my credit file dating back to 2012. Its for £230 which was settled in 2012. The debt was paid but the default is still showing on my credit report albeit settled.I found a template letter on here and edited it filling in my information and sent…
-
Can 0% spending credit card affect your credit score
Can 0% spending credit card affect your credit score if you have a credit card that has 0% spending for "24" months and you pay more than the minimum but not the full balance each month? Thanks in advance.
-
Help needed with ?wrong listing from bank account
Hi everyone, Im after a bit of advice please. This is my first post so I hope its in the right place. I previously had a loan with Natwest. In 2012 I took a 3 month repayment break as I was on maternity leave. This was agreed with Natwest at the time. When my repayments started they were slightly less than I had been…
-
Moved House - Bills - Opened New Credit Accounts
Good Afternoon, I am just posting to query if something is right. We have just moved house and have moved our British Gas (gas & electric combined) account with us. Since the move my credit report has shown 2 new/young credit accounts (one for gas and one for electric) which are dramatically reducing my credit score. I…
-
Arrears and default
Hi, I recently applied for a mortgage after having an offer accepted on my dream house. Unfortunately mortgage was not granted as a result of the bank looking at my credit history. I thought I had a clean history as I currently have no debts, no overdrafts, clear credit cards and a healthy sum to put down on a house. Well…
-
nawtest underwriters
Hi, I am a NatWest customer with current and savings account's with them. I have adverse credit history with a default and some missed payments from my student/first job days 4+ years ago, but have been 'clean' so to speak since then, with regular payments, salary ranging p from £15-£26000 during that time. Have applied…
-
Divorce and credit score
I have been divorced for a number of months but still have a joint mortgage and bank account with my ex-husband, while we try to sell the marital house. Obviously, he is showing as an associated person on my credit report but is there any way of becoming disassociated from him even with the aforementioned accounts? I have…
-
MKDP LLP default on Credit Score
Hi all, Hoping for some advice... I have a 'default' on my credit score from MKDP LLP... dated from end of 2011. The debt it is from is an old credit card opened in 2001 - no payments or dialog had with the credit card company for over 6 years... MKDP LLP has obviously bought the debt (nearly £2k) but they have no record…
-
Credit file & electoral register issues
I've over the past 6 months now and again applied for a credit card, both times flatly refused. Anyway turns out my electoral register isn't present at all on my credit rating, despite updating Mcr City council. for some reason they've failed to update the credit referencing agencies!?!?!? On Noddle my report is 3/5 and a…
-
Cancelling a dd for a phone contract
Absolutely Fed up now of vodafone , cancelled the contract in september took a bill october - fine last bill or so i thought, november took a bill i thought ok il ring they said hadnt been cancelled, decemeber and jan more bills. , rang twice in jan and told a problem cancelling, will refund the £100 they owed, still…
-
Wrong address and default on crdt file
Hi All , your advice will be highly appreciated . a quick summary of my situation Took loan from the-money-shop in 2013 as a student ,paid back only early days of 2015 due to life troubles..No default notice or any letter recieved throughout this period. Asked for a copy of default from the-money-shop which they sent and i…
-
Possible scam on credit refusal methinks???
Hi - Want to buy some swimwear via the internet. If I sign up for their personal account I will qualify for 25% discount. I know I have a perfect credit score - Experian rating 999 - the best you can get. The order is accepted but the goods don't arrive when promised. I chase it up with the company who tell me that my…
-
credit score bands - equivalent for the 3 CRAs?
I know, I know, a lot of you will say these scores are useless but now that they are all free to get, I'm just curious, do you find they actually correlate in your case? These below are the ranges from the 3 CRAs, a friend sent them to me today. For me they do correlate although Noddle/Callcredit is the least generous with…
-
CCJ >6 years Resubmitted
Hi All, Apologies if this has been covered elsewhere, I have looked all round but just getting desperate now. I have recently been made aware of a CCJ registered under my name. The debt was with Vanquis for a credit card, approx £1200. I had the card around 2008 and after leaving Uni and for circumstances at the time, the…
-
Train fine
I received a fine few years ago as apparently my oyster card had not touched in. I paid a spot on fine and they took my details. What do they use the details for? Is this recorded as crime or civil matter somewhere? If i do subject access request and basic disclosure will it show it if they have recorded anything?