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Strange defaults on credit file (Lowell Portfolio)
Hi, I was hoping you wonderfully knowledgable people on this forum may be able to help. My partner has just done a credit check and he has a line of defaults (dating back to 2012) from Lowell Portfolio. He has had no contact from Lowell, it says it is for a credit card and he owes £3000. He did have a credit card which he…
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Clarity Credit Management Solutions Limited
Hi, I received an email from Clarity Credit Management Solutions Limited today, asking for payment of a debt to British Gas for my electricity supply. On ringing British Gas since receipt of the email, I explained the following: That I had called them a couple of weeks ago to query my final payment due (I am switching…
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default payment on my file
Hi i had an overdraft with barclays and when i went onto my first DMP i had to close my account so they sold the debt to BWC group. on my credit file on noddle it says i have a defaulted debt with barclays at £700. should this not say BCW group as they bought the debt? and also as i pay a small amount each month is it…
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Very Annoyed with 'Very'
I bought something on a 12 month interest free basis last year from 'very' their website was advertising "nothing to pay for 12 months", so I thought ok thats handy as I was also moving house at the time. So I went ahead and ordered what I had to order, then a month or so goes down the line , I get a call out the blue from…
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Financially linked previous partner poor credit
My ex partner moved out of my home about 12 months ago. she is getting into financial difficulty and is now out of the UK. since we lived together for so many years, looking at my credit file she is shown as linked to myself financially. a) will her bad debt affect my own rating? b) is there a way to become un-linked to…
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Finally light at the end of the tunnel
This has been the hardest 6 years of my life. 6 years ago I had a really nasty split with my wife, I lost everything, my house, my business and my great credit record. When I look back, it still shocks me how quickly your life can go from perfect to ruin. I was at the point of being homeless and sleeping in my car. I ended…
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Do savings have any bearing on your credit file?
I'm saving with my fiance for a mortgage deposit. She has ISAs in her name, which have just matured. Her credit history is perfect, whereas I had defaults ~4 years ago which are still on my file. Is it worth us transferring future savings to an ISA in my name? We'd be looking to put about £8-10k away for a year fixed. If…
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Old, closed Barclays account showing up as defaulting?
A few months ago I signed up to analyse my credit score and was shocked to find that Barclays were saying I was defaulting on an account (to the tune of £906). This was my account set up as a child aged 8, and which I went in store and closed the summer I went to university (2007) and withdrew the small amount in there…
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car finance/loan with 2 defaults
Hi there, I was wondering if anyone can advise me whether I'd be likely to get car finance for approx 8k or have been in the same situation. I stupidly defaulted in Jan 2012 and Jan 2014 for £212 and £387 for a catalogue and phone contract and am kicking myself for it now! I earn 23k a year which is due to rise to 28k in…
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Re-agreed credit agreement marked as default!
Hello, My other half had a loan with Lloyds, when she had a few problems she spoke to Lloyds and had the amount she was paying per month reduced as an agreement. Now we are applying for a mortgage we looked at her files and found since the new agreement they have marked every month as default!! We were in a position to…
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Capital One Default
Hi guys looking for an opinion on something I read earlier on another site. I have a default from 2011 for a capital one card. It shows on my credit file as defaulted and capital one still seem to be reporting on it. also on the file is a record for Lowel group showing as default for the same capital one card. Someone on…
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Is Noddle a full report
After completing my IVA a got my £2 Statuatory Report for Expiran, Equifax & CallCredit & have corrected all incorrections. Now im looking at using Noodle to get a report every month to see how my credit score is building, i understand Noodle is ran by Call Credit. So is Noodle a full report or will i still need to use the…
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When a default is removed..
When a default is removed, if it's been applied in error, does your credit rating bounce back up to where it should be had the error never come to exist? I ask this because I've had 2 registered against me in error... one I've had successfully removed, and one that's due to come off in the next few weeks and it's really…
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debt relief order over, what now?
Hi all, I am finally debt free after years of stress and worry. I will admit to being a bit stupid with credit in the past but that was then and this is a fresh start. My 12 month period after doing a debt relief order ended last friday and i just wanted a bit of advice really for where im going to stand from a credit…
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Equifax took a pound
OK, this sounds slightly hilarious but I just don't 'get it'. I noticed that Equifax had taken a pound from my account. I asked why they had done this, and their response was: "The £1 deduction is only temporary. Our credit card merchants take £1 off your card to check it’s working properly and then return it to your…
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Number of worries...
Good evening everyone, My wife and I are looking at getting a mortgage early next year and in preparation for this I checked my credit report. It looks better than last time I checked it however the score has decreased somewhat. I know from reading the forums that the score isn't what future lenders focus on, it's more how…
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Is this a bad credit report???
Is this a really bad credit record which will possibly stop me from getting a mortgage? I don't know if the below are classed as serious defaults or if they are looked upon with leniency by mortgage lenders? Please note the missed payments in april/may 2014 are in the process of being removed. Thanks
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Lowell 3 Defaults for same debt I've never heard of
Hi All, Please be gentle it's my first time:). I checked my credit file in the April last year and noticed 2 defaults against an amount of £492, one was issued July 2009 the other November 2010 from a company called Lowell for a debt to a phone company. I wrote to them to tell them I knew nothing of this debt and asked…
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Barclaycard Actions !!!
Hi All Ive checked my CRAs with all recently and noticed that i had a live Barclaycard Account running through NODDLE. I disputed this 2-3 times and stated that the account was closed back in 2004 too which they responded stating that the Barclaycard has confirmed this isn't the case and the account is still live :eek: Ive…
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Catalogue delivery scam?
Last week I received an iPad from a catalogue company who I have no account with. I emailed them back straight away as I had read about a catalogue delivery scam and told them I had no account with them and to disable the said account immediately. A few days later I receievd another parcel from the company. I emailed them…