-
Can I offer an F&F in return for having debt removed from file?
Long story short... Littlewoods account was used fraudulently between 2010 - 2013. Outstanding amount is now £4000, and I've paid off over £1500 spent by someone else. I had severe mental health difficulties at the time, and was just paying by DD. I was also living abroad. Littlewoods have rejected my final complaint,…
-
Undelivered Goods / Debt Collectors
Not sure if I am putting this on the right board, but my mum tried buying some waterfall cardigans from one of those magazines that you get in the Sunday papers. Nothing arrived, but the company started ringing my mum demanding payment. My mum explained that she hadn't received anything and during the conversation, it…
-
National Hunter and quotations.
Good evening. A quick question - Does National Hunter look at quotations such as insurance? Thanks in advance.
-
Credit Agency Email
Hi Guys any advice much appreciated, I had an email today from a credit agency company claiming I owe sky 252 pound or around that. They have my name and old address but when I gave them my date of birth it was different to what they had on the system. As far as I'm aware I owe sky no money and certainly not this amount. I…
-
Erudio Student loans. Lower average wage? Childcare salary Sacrifice
I've just received my application for deferment for my Student loan, for the years 97,98,99 and this year I swear the average wage is lower than previous, or its not moved at all. It says if you earn more than £2227.25 gross per month. Also other issues I have with it is that I do part time self employment and the work is…
-
Debt Collection Agency posted unknown defaulted debt on my credit recordsed
I was contacted in October by Rowland Way/Hoist Portfolio Holding 2 Ltd about a debt to a mail order company about which I know nothing. I did not respond as I am sure this is just a fishing attempt on a debt they had bought i.e. contacting people with the same or similar name as the debtor. But I have now been alerted…
-
Credit Report with Noddle
Anybody know how good/reliable Noddle is? Just paid £20 for 'Noddle improve' which gives me unlimited access to my credit score for 12 months plus advice on how to make it better. As far as I can see.....I can see my score and the advice is about 5 bullet points worth and common knowledge to anybody trying to rebuild bad…
-
After bankruptcy ex still building up mortgage arrears
Hello Could you help me with my situation please? I am worried about my future credit file in March 2017 (6 years post bankruptcy) I think everything from the bankruptcy will disappear from my credit file at the 6 year point? I hoped to be able to have a fresh start in 2017 with a clear credit file but there is outstanding…
-
Can people living with you damage your credit rating?
My 22 year old son has had to move back into my home due to unemployment and drug use. Trouble is he's given out my landline number to quick loan companies who keep ringing my number asking for him. I'm worried that this will damage my credit rating. Any advice appreciated!!
-
Noddle Score Plus Searches
I'm looking at my Noddle account and despite all my accounts being in good standing a couple of over limits but they're paid off and not seen on the file so it's the green dots all along, I somehow have a 1/5... Is this normal? It's been 12 months and I have gone backwards from 4/5 :mad: Also why are there so many…
-
Settled/Satisfied Date?
I was discharged from bankruptcy a few years ago and have been working on cleaning up my credit files. I have now got all but one debt showing as settled / satisfied / partially satisfied but I'm not sure when the satisfied date should be. I know the default date must be no later than the date of bankruptcy, should the…
-
Can I view my credit report if I am outside the UK?
Hi everyone, So in about 6 months time I am coming back to the UK.The problem is I cant view my credit report due to lack of a UK credit/debit card.I know that I have a CCJ from 2010 which I found out from trust .gov site. But that's all I know.I am suspecting 2 or 3 defaults.Only my Natwest student account default should…
-
Lloyds TSB and debt of doom
Bit of a long story but here it goes. I had to leave my job working in a school after several years after having my wage cut by £5k and having been given the promise of a £25k pa contract by someone I had worked with at the school, it seemed I was moving forward. All went well initially but quickly the monthly income…
-
Experian credit expert report questions
Hi there I wondered if someone could clarify a couple of things for me please? I have a few settled accounts on my credit report, where the 'status' does not show 'Satifactory'. This is just simply blank, even though the account is paid and settled in full. These were accounts which were cancelled under a cooling off…
-
Experian report not showing default
Hi everyone After an ordeal getting my credit report, thank god Experian has the option to do it by post and send it abroad and so I got a copy (again a big thanks to Neil and James). According to Experian I have a CCJ from late 2010 which I knew about and a default from my mobile contract just before that in mid 2010 (2k…
-
Changing Current Accout
What does changing your current account do for your credit worthiness? Would like to change, but have got to a really good place with all credit and will be looking to purchase a property in early 2015.
-
Experian Credit Report
Hi, I am using the free 30 day trial Credit Report from Experian. It didn't really make much sense to me as i've never defaulted on any payments and in the past have had quite a lot of credit. Yet the score was in the middle (I know that its important). So I rang up to talk to a real person and the lady said that because…
-
How I look to lenders...
Hi All, I wonder if you could offer me a bit of advice, please? I'm due to remortgage in December 2015. It's my first time remortgaging and I took my mortgage out Dec 2013. I originally struggled to get the mortgage because of late payments on my file. Anyway, long story short. I built up a whopping 6k worth of debt this…
-
Wrong name on Electoral Roll in my Credit report
I've just got a new copy of my credit report from Check My File and I've realised that in the electoral roll section a previous tenant of the flat I'm in appears. I have the same first name as them- but they moved out a year before i moved in and I have no connection to them whatsoever. I'm just worried because when we…
-
Report to check records for declined credit
I am completing a form that requires extensive details on my credit history, including number of times I've had a credit card application declined in the last 10 years. I know that I've had a credit card application declined a few times in the past few years when trying to get 0% transfer deals, but I'm not sure on the…