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Negligence and Judgement by default and repocession
The landlord instructed a solicitor and they made a claim at the County Court Money Claims Centre I received a Claim Form, dated 12 Dec 2022 Solicitor's fees and Court fees have been added; a total amounting to £2457.08 When I received a Claim Form, I entrusted Totally ADR (Dispute Resolution, Specialists in Small Claims)…
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N1SDT form and statute barred debt
Hi GUys Hoping someone can help me, i received this form today from the County court business center stating i owe Capquest xxx amount but I know this is a Statute barred debt of over 6 years what should i reply when replying to the court, please should it be simple i know nothing of this??
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Found out about historic CCJ
Hello, I recently applied for an investment savings account, and was told that during checks the company have found a CCJ against my name from 2018. I've had a mortgage in the last 2 years and this never came up, and have also had various other credit applied for successfully. I asked for more information from the company,…
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Payments to parents before mortgage application
Hello how will monthly regular payments to parents for lodge be looked at by a mortgage company? I’m on the run up to getting a mortgage and want to make sure I won’t come into any problems with my bank statements. I just have the usually card payments and direct debits and subscriptions affordability is not an issue with…
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BT outstanding payment on my credit file - They won't let me pay it off!
Hi All, I have had a BT outstanding payment on my account that I noticed about 4 years ago now when I was starting to get my credit file in order, for (Bt consumer - £182), I have called and written to BT on numerous occasions over these 4 years, Apparently my Name, Address and DoB do not match their records of having any…
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Defaulted accounts
HI all Just after a bit of advice please. Long story short: I have 4 defaults on my credit file after entering into a DMP so fully expected. 2 of these are credit cards 2 are personal loans originally Halifax. These loan accounts were managed by Wescott initially, then sold to Intrim finance, now sold to Link. My concern…
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Ccj placed on my file incorrectly
Hello For a number of years I’ve been sending my credit file from check my file .com to independent mortgage advisors and they all keep coming back and saying I won’t able to get a mortgage for years. I have no defaults and have good credit and never understood why. Recently I went with another mortgage advisor who told me…
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What Payment Method Is Best To Improve / Not Reduce Credit Score
Hi all My son has recently finished University and is working hard in a summer job while applying for something more permanent. He has saved enough to make quite a large purchase of a new guitar, around £1000, but I just wondered if which payment method might be best and whether any types of payment might improve or harm…
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Very rarely used accounts
Hi all, I have a Studio & Littlewoods accounts which appear on my credit file that I very, very rarely use. These were both opened about 4/5 years ago in the hope that they would help boost my rating abit. In the beginning I used them & paid off the amounts on time without missing any payments, but in the last couple of…
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Car Lease
I have been rejected for a lease car deal. Finance company cant/won't tell me why it was rejected. My experian score is 999, I have credit cards, but they have all been paid off. I have recently moved house, so a new mortgage application will be on there. Is there anything that would be stopping my application from getting…
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No data reported
Today I decided to take a proper look at all my credit accounts however I observed that one of the account have “no data” with Credit Karma while on transunion it appears as “UC” Instead of payment ok, the last I payed it off was October last year I was offered a increase last month which I accepted. I’m not really sure…
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BT Consumer Account 'Reopened' on Trans Union Report
I've received an alert from Credit Karma to tell me that a BT Consumer Account has been 'reopened' on my trans union account. The account was reopened in October 22 but not by me. This account was from 2010 at an address and with my previous married name (I was going through divorce at the time and had moved to a rental…
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Tesco Credit card - Credit utilisation updated?
I have received a message from ClearScore this morning to advise that my Credit Utilisation rating for my Tesco credit card has been updated. The blurb says: "This means that the credit utilisation of one of your accounts has changed. A credit utilisation rate is the amount of money you owe, divided by your total credit…
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Default on report: my name was used fraudulently to buy a mobile phone and contract
Hi, I was in the process of applying for an AIP and decided to look at my credit report. This is not something I had been savvy before and it was my first time checking. I then see there are a number of defaults by Virgin, as someone purchased a phone and set up a contract under my name. Back in 2019 I received a letter to…
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Credit affordability change
Could anyone shed some light on this for me please? So last year I asked my bank to reduce the amount of credit available on my credit card, as it seemed excessively high for what I was using it for (think it was over £20k). They said they normally don't get request to lower the credit limit but agreed to lower it to my…
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Creditor not showing correct amount for over a year?..
Hi, have recently applied for a mortgage, so have looked into my credit file. a creditor I owed money to a long time ago, is still reporting defaults and reporting I owe ‘x’ amount. phoned them yesterday, and they have sent me an email confirmation that the account is now closed, and up to date, and has been since 18/3/22.…
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NatWest application decline - could it be an ID verification issue?
Hello, I have just had an application for a Natwest Reward current account rejected. I want to try and understand whether it will simply be due to failing the credit check, or whether my ID will have been rejected through the HooYu validation process. I work in banking, and understand KYC checks and that banks can reject…
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Remortgage hard search - should I wait before buying car?
I have a very good credit rating and want to buy a used car on finance. I’ve just started a remortgage application and there’s a new hard search on my file. Should I wait before buying the car on finance and if so, how long?
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No credit report: can affect mortgage application?
Hello forumites, my wife and I are looking to buy our first property and in preparation for that we've been looking at our credit reports. While I can find my reports in all of Experian, Transunion and Clearscore (Equifax), for my wife we can only find her report on Experian. ClearScore/Equifax cannot seem to identify her,…
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Natwest Current Account Application rejected - can it be an ID issue?
Hello, I have just had an application for a Natwest Reward current account rejected. I want to try and understand whether it will simply be due to failing the credit check, or whether my ID will have been rejected through the HooYu validation process. I work in banking, and understand KYC checks and that banks can reject…
