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Full and Final Settlement negotiations
Hi All, I currently have 6 defaults and a CCJ on my credit report.(all unpaid) The CCJ drops off in 2017 The defaults drops off between 2017-2020 I am planning on getting these paid, not waiting for them to drop off. I am currently negotiating with DCA's (Lowell and 1st Credit)in order to get a full and final settlement.…
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Remove Default from Mobile Phone Company
I am extremely upset and frustrated by the orange service. I terminated my contact in October 2014 after being a loyal customer for many years. I paid my last bill with by Direct debit and confirmed it was all clear over the telephone to customer service. In January 2015 I received a letter from Lowells debt collection…
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Asking DCA for Credit Agreement
I have a debt of £1243 with Santander this has been sold to a DCA, I have received letters saying to pay within 10 days or it will be referred to their solicitors. About three weeks ago I sent a letter (foolishly without getting a proof of postage) asking for a copy of the credit agreement but so far they have only sent…
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High Credit Score + Default Account = Mistake???
After signing up to Experian and entering my data, I'm left with a funny result. I have (what I believe is) the highest credit rating - 999. This makes sense - I've been well behaved for the last 5 years - but I also have an account that was marked as "Default" back in late 2010. How can I have a credit score of 999 with a…
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Does a debt collection agency HAVE TO default you
I wanted to know what the guidelines are around debt collection agencies (DCA) defaulting arrears credit cards. I have a number of credit card debts after a long period out of work, I have written to and negotiated reduced payments to the DCA's all have agreed to this. Within a few months all (with one exception) defaulted…
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Default Drop Off
I am hoping there is someone here who can settle a slight argument / debate on a default notice. My partner has 3 of them. 2 from 2010 and 1 from 2011, all within the middle of the year, so i suppose you could say the oldest is 4.5 years old and 2 which are 3.5 years old. Values are low and settled (satisfied all within a…
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improving credit rating
Hi, I'm new to the forums as I am living back home with parents and my girlfriend also lives here with me. We are saving for a deposit for a house and her credit is fine she has no missed payments etc. My credit however is worse and had an experian score of 524 in November 2014. I have since paid all but one of the…
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Barclay's Partner Finance
Hi Guys, First post for me :) , So basically I went into the apple store and took them up on their finance offer, (I work in a phone store so I know the full application process), got through to the decision page and it came up as referred. From then I had to answer a few Security questions from the Barclays woman, and she…
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Overdraft and Renting
I posted the same question I think on the wrong part of the forum - My brother and I have submitted an application to rent a flat. He's fine with money and no overdraft however lately I am always in mine even a little bit after pay day. I will be getting some money from my parents in two months that would clear it. My…
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Rent Applications
Morning, I'm looking to rent for the first time with my partner. I checked my Experian Credit Report and I've now addressed all the debts that are still on there ) approx 9 totalling £10k) by implementing repayment plans. I'm curious to wonder to what extent your credit file gets checked when your looking to rent from a…
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Remove Default from Mobile Phone Company
I was reading that it's virtually impossible to remove a default from a mobile phone company. http://www.learnmoney.co.uk/credit-file/mobile-defaults.html I got a default from O2 without knowing about it in 2011. During the time of switching mobile phone companies I had moved flats and hence didn't get my final bill of…
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Do i have to update Experian myself ?
I'm trying to sort my credit score out and get out of debt. I had a credit card with Tesco which was paid off and closed in August 2012. The last time they updated my credit file with Experian was in April 2012. I have spoken to them today and was told there was nothing they could do. They eventually agreed to send me a…
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Multiple defaults on one account
My OH had a default on a CC from Alliance and Leicester in 2008. The account was brought back into order. It was then taken over by MBNA who recorded a default in 2011. Unbeknown to us, MBNA sold the debt to Moorgate. They never contacted him, presumably because he was paying a really hefty amount every month to try and…
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Credit Check Advice
I've never really paid much attention to my credit history, never applied for anything substantial and never been rejected for anything I have applied for. Until today that is. I wanted to switch my current account over to Halifax as their account offered the best rewards for my level of income (and the £100 incentive…
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False CCJ on file from insurance company
Last year I received notification from my car insurance provider Hastings Direct that another person had claimed I was involved in an accident with them on 31st December 2013. This accident was a false claim and was untrue. I informed Hastings of this and they agreed that they would have to investigate the claim further.…
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mortgage advisor requiring copy of credit report
Good morning we are currently applying for a mortgage through an FA, he has asked for us to send him full copies of our credit reports, a colleague is telling me you should NEVER provide a full copy to anyone - if they want to see it they can search it. Can anyone advise? tia
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Overdraft query
If I am in my overdraft most months, limit is £500 and i'm under this amount each month ? Does this affect my credit score ?
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Someone to look at my credit report and tell me what they think
Someone to look at my credit report and tell me what they think, Ive been in a mess a few years ago but its all straightned out now, most of them come off this year but im wanting to get financially sorted and hopefully a mortgage. Ive got the report i just dont know who would look at this?
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Credit File and CIFAS Category 4
Just got a copy of my credit file and gone through it. I know from a SAR to CIFAS a couple of years ago that there was a Category 4 marker against me. I don't see this in my credit file at all - the CIFAS section though tends to talk about protective registrations ie general wording - and my overall credit score is good.…
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Refused Finance by Sofaworks? WHY!?
Hi Everyone, I am new to this site and am wondering if anyone could shed any light on why I was refused finance by Sofaworks? I was looking to buy a sofa for our new place which we moved into in January (total came to about £40 a month for 4 years on their 0% free credit option). I was advised that they tried 2 different…