-
CCJ question
Hi hope someone can advise me its a bit of a long story In essence i have poor credit (Mortgage defaults and a CCJ dating back to Nov 2020 which was satisfied in May 21) I've just come come through a messy divorce Jul 22 Decree Absolute issued. My ex refused to pay the mortgage on the marital home despite living there…
-
Wrongful CCJ has not been removed from file
So I was given a CCJ in August for an unpaid parking fine because the court wrongly thought that I had failed to send in a questionnaire that I had to fill in for the small claims court. I proved to them that I did indeed send it, it went back to a judge, and the case went back into the system, as the judge agreed I DID…
-
Credit report help
Hi all, I am looking for a bit of advice to improve my credit report if possible please. Each of the services I use, including the MSE one give different advice. The main reason I ask is I want to get a first time mortgage this year. The scores, for what they are worth are below. Scores below: Experian 968 Credit Karma 617…
-
Old debt getting reported
I had a ccj issued in 2012 and this fell off in 2018 however the company has started reporting missed payments from Feb 2023 to my credit report for the same debt . Is this legal . I have never contacted the company I relation to this debt however 5 years after the ccj fell off they are now reporting it as missed payments…
-
Delinquent status
Hi, not sure if I’m posting in the right place but I’m wondering if anyone can help. I have a small loan showing as delinquent on my credit file from 2015. I made no payments to said loan ( I was immature and didn’t deal with finances well back then ) my question is can a creditor just leave the status as delinquent for…
-
Homeserve Boilers increased the price AFTER I agreed to the fixed price quote and had credit check
Hello, I recently got a quote from Homeserve for a new boiler. I was told that the quote was a fixed price quote. After agreeing to go ahead, a hard credit check was performed, only for them to come back and say that an engineer had reviewed and decided there would be more work involved so they were increasing the price. I…
-
14 years
I'm looking for some advice if possible I left my ex husband 14 years ago, we had a joint mortgage and within the divorce we agreed on a transfer of equity to him. The mortgage disappeared from my credit file and that was that 14 years gone last month when I left Today I have received a notification to say there has been a…
-
Equifax corrections
has anyone else had to deal with Equifax. I really have no faith in this company in holding my personal data. I became aware of a couple of mistakes on my credit file since I joined ClearScore. One was an open vodafone account that was closed many years ago, got that one resolved by dealing with vodafone complaints (also…
-
Incorrect bad debt
My daughter and her boyfriend are trying to get a mortgage as first time buyers and have been declined. This is because of a poor credit report for him. There is a debt showing on Experian for British Gas which is in his name, it shouldn't be, he lived with his parents at the address that the debt is associated with, but…
-
Klarna arrears query
hi all, I have 2x arrears listen on my klarna account. These were due to initial bounced direct debit payment for the balance due on one month and one late fee payment (incurred due to the bounced DD) which is shown as unpaid. However in both cases, I actually paid my full amount due by the payment due date on the months…
-
Notice of Default under section 87(1) of the Consumer Credit Act 1974
I am seeking advice regarding an issue with my BA American Express card application. I applied for the card to take advantage of the offer of avios points if I spent £3000 in the first three months. I used the card aggressively in the first month and spent over £2000, which triggered a credit review from American Express.…
-
CCJ unpaid, 6yrs nearly up - what happens?
Hi, someone unbeknown to me took out a store card in my name & I only discovered this when I applied for my mortgage & our mortgage advisor saw the CCJ on my credit file. It’s for £350 total & was issued Dec 2018. It was issued despite the debt being 14 years old & the payments ceased well before that. I tried…
-
Default
Hello wondering if someone can help me out! I checked my credit score and noticed a default from BT. It was my old address that was down for the default, it said from 2017 for £30. I phoned BT to say I’ve not lived there for 5 years so I don’t even know what it is for since I’ve not had any letters etc. I’m assuming…
-
O2 Declined despite perfect credit score/no missed payments for MSE £6/mth SIM
Hi, I have had an O2 monthly contract for several years and last week applied for an additional O2 Sim-only contract (a whole £6/mth as promoted by MSE). I was rejected. Shock, horror, first time in my life. I have a perfect credit score, never missed payments, electoral roll over 21 years, etc. I took out the 0%…
-
Credit reference agency’s misleading
Hi I am a newbie looking for help. I have an account with NCO europe that was past onto them by capquest. nco Europe was posting on my credit file saying I was missing payments and in arrears. after complaining to them and the ombudsman they lied and said I was in arrears despite capquest saying I was not.I have since…
-
vodafone ex singlepoint
i recently applied for a loan for a van for £5100. , and got turned down, so i checked my credit history to find i have 26 missed payments to Vodafone ex single-point with the most recent missed payment jan2023. so i investigated this as i have been with Vodafone for at least 20years and paid at least 15years by d/d. so i…
-
Defaulted credit from account not in my name
Hi, About 4 years ago my "friend" took out a new phone contract but couldn't pass a credit check, i being good friend said that i would use my credit to pass the check. The account was in his name, it was his bank that was set up to make the monthly payments and his home address on the account but my credit was used to get…
-
Admiral default notice
Hello everyone. I look for some advice if anyone has had this issue with admiral before. It’s quite a long story I’ll try explain the best I can. So.. my renew with admiral was due on the 6th of February 2023. I had taken out a new policy with Esure as they were cheaper. I totally forgot to call admiral to tell them not to…
-
'Satisfied' CCJ Advice
Hi, all! I'm hoping somebody might be able to give me some clear advice here, as I'm getting conflicting directions from different reputable sources. A little context first, however! I am in the process of applying for a mortgage, however, I have a couple of CCJs on my credit file that my mortgage advisor suggested I…
-
PRA Repayment and Credit Impact
Hi all, First time posting. Looking for some advice. 12 years ago I defaulted on a MBNA credit card debt of about £12k. The debt was brought by PRA group and I agreed a debt repayment plan. I’ve been paying it off since £5k paid off £7k left. I’m currently paying £20pm. The default dropped off my credit report 6 years ago.…
