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CCJ in wrong name
I'm in the process of applying for a mortgage and signed up to https://www.checkmyfile.com/ to download my report to send to my broker. There is a CCJ on there which obviousy shouldn't be on there. Can anyone advise on how to get this completely removed? Details... My mother owns a rental property which had been previously…
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Worried about CCJ
Hi all apologies the late post on a Sunday evening. My husband and I would like to buy our first home in a few years, starting to save after our holiday next year. We’ve both opened LISAs to start us off, and on Tuesday we thought we would have a look at our credit scores out of curiosity. Mine is fine, however my husband…
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Evidence of credit / applications - Can it be under the radar?
Hello. Apologies if wrong thread. Looking for some advice and reassurance RE evidencing of current credit and new applications tied to a specific person. For background purposes, my husband has very recently admitted a secret gambling addiction and resulting five-figure secret debt. "Luckily" at the point he admitted this,…
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Late payment on file
Hi so I am with severn trent wster. Have always paid by dd. During covid my meter broke so rather than come out the put me on a plan to pay 20 a month until they fixed it. It still isn't fixed as I'm clinically vulnerable and still have to isolate as much as possible. ST were fine with waiting. Last nov ST took out 84…
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Anybody had any issues with Equifax?
I check my three reports every year or so using the basic methods having a few issues obtaining the Equifax version for the last two years though. I have exhausted the methods of getting the Equifax one, the online system seems to be full of bugs and twice they claim to have sent my file out in paper form which i have not…
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Letter from debt collector
Had a letter from a debt collector, saying I owe EE £367, I rang them saying it must be a mistake as I've never dealt with EE They said it's from 2006 They went on to say they have another account from a bank for me, I had a dispute with the bank, came to an arrangement and settled, they now appear to want to pursue me for…
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Equifax notifications
For the past 3 weeks I have received multiple emails from Equifax explaining there are new/deleted searches. I receive about 10+ a day. Is anyone else experiencing the same thing? As I am now a bit concerned.
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Can I reclaim court fees £275 if I succesfully have a CCJ set aside?
Hi I had an alert on my credit file last night and found a CCJ on there from the 14th June 22. A little digging around this morning and I've discovered that it was for a parking charge that I paid previously and have evidence and correspondence that confirms this was paid by the deadline. The total cost of the CCJ was…
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Why do current accounts show on file?
Just wondering why my bog standard basic bank account, current account shows on my reports? I thought your credit file dealt with actual credit or debts, my account has some direct debits on it but no fee and no overdraft so just curious as to why this appears! I notice the saving account does not appear just the basic…
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Affordability report ClearScore
On the new affordability report with ClearScore, linkied to my account . I have debt collector fees 4 times in last 5 months I have no debts passed on to debt collectors What are these and how can I remove them. Reply from ClearScore useless Thanks for reaching out about your affordability insights. We’ve passed along your…
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Clearing balances on defaults and missed payments
Hi, i have £44000 of debt and have £78000 in cash from proceeds of house sale. Tesco loan £25400 in default jan 22 debt collection agency £5600 in default sep 21. mbna £13000 2 recent missed payments. My question is would it be worth settling in full as I would like to get another mortgage with my partner or offer partial…
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United Utilities
Good morning, I was wondering if anybody was able to offer some advice on the following situation, which I have found my self in :-( I have never had a CCJ - and tend to check my credit file every few months. I checked last night and there is an active CCJ logged on there from United Utilities dated November 2021 for £705…
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Return from abroad - no credit rating
We returned to the UK after living in France for 18 years. During that time we let our Barclaycards lapse and at the moment are going through the hoops to resolve that. However, is it worth while enquiring about applying for another card even if the Barclaycard thing is unresolved. Incidentally we didn't owe anything on…
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does this mean the CCJ has been set aside or not???!
Please help! After several months, I have recieved this in the post and don’t know what it means! I presume the MINUTE is the attached consent order, and the letter (see attached pic) is what I have recieved back from the courts. All they sent with this was copies of the submitted paperwork. I can’t make heads nor tailed…
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Moorcroft
So I checked my mse credit rating the other day (first time in a long time) and I noticed that I owed TSB 300, from a bank account I know longer use. I updated my address etc and today I have received a fishing letter from moorcroft. I'm guessing it's about the TSB debt. I want to know the best way to deal with this so I…
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Joint Account disclouser
Hi can anyone help - I am setting up a joint account with my partner just in readiness for us to live together and pay bills etc. We will each have our own accounts and just put an agreed amount in each month. My question is - will he see any loans or balances I have in other accounts (not with this bank). My credit rating…
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Why different scores from different companies?
I'm registered with Experian, Clear Score and Credit Karma, and each gives me a different credit score. I'm not talking about a few points difference, for example, Experian has me in the high 600s whilst Credit Karma has me in the low 300s! Anyone have any idea why?
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Dispute Credit File report from Mortgage Provider
hello, about 7 or 8 years ago I ran into some financial distress when a company I owned sadly had to close, this left me really struggling to meet mortgage payments for around 18 months, so much so my lender actually made an application for repossession. I made an agreement with them regarding paying the minimum…
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Credit file not updated after six years
If someone had a debt that first went into default from early 2016 should it not be wiped clean from your file six years later? if it wasn’t wiped what can be done?
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Student Loan
I am a 72 year old Pensioner distance learning for my first degree so qualify for a full student loan. In final year so quite an amount built up. However I shall never meet the earnings threshold for repaymentI never see the loan as it is drawn down direct from Uni. Does this still impact on my credit score?
