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Terminating Car Finance
Hi all, hope you’re all well. I took out car finance November 2021 and now my living situation will change end of October. It’s looking likely I may need to rent a place on my own and currently I’m paying £308 per month for the car finance which is just too much to pay alongside new living expenses. Luckily I’ve got a new…
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Default notice years later
Can anyone advise? I entered a debt management programme back in 2013 and one of the creditors were Premier Man (part of the N Brown Group). I have correspondence from them acknowledging being in the debt management arrangement and that they agreed to reduced payments. These were paid regularly as per the agreement In 2020…
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Studio on line catalogue credit searches....
I opened a Studio account a while back, only to make purchases so no crazy interest will need paying. I checked my file after and they had made two hard searches, I have never experienced this with any other accounts/lenders, has this happened to anyone else? I have made a complaint....
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Nationwide credit card change on Clearscore report
I have noticed two unusual entries in the upcoming changes section of my latest Clearscore report. Account removedWhy you're being shown this insightORGANISATION NAMENationwideACCOUNT NUMBER************1234 This means that you've closed an account. Maybe you've changed your phone contract so the phone loan has been removed…
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Hard search appearing on credit file 6 months later.
Hi all just wondering if there is a time limit that a company can release a hard credit search To credit reference Agencies as vodaphone have just released a search from March.
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Bankruptcy Marker Placed onto my Credit file in Error
HI all, im new to this forum but wanted to ask some advice, I have just discovered that a company (JD Williams) has placed a bankruptcy marker onto my credit file. I have contacted them and they have agreed that this has been done in error and have said that they will remove it, however in the interim my current credit…
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Restricted access to own credit file, declined credit.
I am being denied credit and I can't pass ID checks anymore. Did someone / something me a flag? How to unlock that? My actions: A week ago I signed up for Creditkarma and checked my credit file there. I found I have quite good credit score. I proceeded to apply for a credit card from HSBC online. HSBC application result:…
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Account Closure and Cifas marker
Hope this thread finds everyone well and safe. NatWest has issued a 60 days' notice of account closure to me (dated 12 Nov). I had a joint account with my partner and one sole fundamental account. Both were notified to be closed in 60 days, but my partner's sole accounts are safe. Currently, all my accounts are still…
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Why does my credit report show incorrect mortgage balance/amount
Hi, I have a joint mortgage, with my wife. We both applied and pay for the mortgage. for easy numbers let’s say the FULL mortgage is £200k. Now remember this is shared, my credit report shows £200k, and so does my wife’s. But we don’t both have a £200k mortgage, WE have a £200k mortgage that we share: i.e: £200k / 2 =…
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HSBC (Student Account) ran credit check for a credit card student did not apply for
Child opened HSBC Student account last week (converted from previously held Child/ basic account) and then receives a letter stating they've been refused an HSBC credit card due to information from credit reference agencies. But no application was made for a credit card when opening the account. This was confirmed by HSBC…
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Wrong Address
Hi, I have received an email from a debt recovery company pursuing a debt at my ex partners home. I never lived there as a permanent resident, the original company (Utility Point) made the account in my name in error (I was trying to help him when he moved in and sort the change over). There is an outstanding amount of…
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Credit impact of ccj coming off
Hi, my credit rating/suitability however you want to phrase it isn’t great. I am able to get car finance, credit cards etc but at a high interest rate. I have 3 ccjs. One drops off in jan, one in feb, and one in may as they all turn 6 years the 2 in January and February are approx £500 each and were repaid 2 years ago. The…
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CCJ - Credit Score
Good afternoon, Short story on the CCJ: One was issued against me and I only found out by a chance credit check. Basically I told the parking company I'm moving address, then several years later they still used my old address meaning a CCJ was issued against my name I knew nothing about until recently. Fast forward to…
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Application for credit and hard search without my consent
Hello This query involves to queries, credit search and my mortgage so I was unsure where to ask the question but hey ho. anyway back in June I made an enquiry about a mortgage with a broker company who found me a mortgage through platform, part of the Co-op bank. The only thing I ever received was a DIP from them no…
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Basic Current Account on Credit Files!
I have kept a basic current account which has no overdraft to stop getting overdrawn however, despite having no fees or overdraft the account still appears on my credit files! I had heard that only those with credit facilities would appear! Can any confirm it might be because it has a debit card and that acts as the credit…
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Is it possible to have a too good credit rating?
I wanted to see if anyone else had encountered a problem in getting credit? To put you in perspective I get the top scores on all of the apps etc but I recently applied for a Apple interest free loan and got declined. I went through the usual fob off to speak to Barclays for them to then say look at your credit file and…
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Help me understand this please….
I have logged into my MSE credit club account and my score is 982, all happy green faces, 95% chance on getting top credit card but on affordability it’s very weak! So for loan or mortgage it says I would be most likely declined. I don’t understand how this can be!! I have no mortgage, no loans, nothing apart from 2 credit…
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Advice sought: Credit Ladder says 49/60 lenders will consider me (no personal data submitted)
My partner and I are looking to borrow around 380k in addition to our 16% deposit. Combined total income around 85k. * I have an AP on my account for three months in 2021. I paid the balance in full in the fourth month which was Nov 2021. TU and EQ show this and EX shows it as three missed payments. * The only other…
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Why does being conscientious and creating ARs result in a more punitive outcome than defaulting?
I had an AR for half-payment for three months in 2021 while a student. I then paid the balance off in full. Prior to digging deeper on here, I was always of the impression that if you can't afford to pay in full, you should always come to some sort of arrangement with the lender. It now turns out that it was more sensible…
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Cancel contreact with my3 when I do not have phone
About 10 years ago I opened a contract with "my3" for a mobil phone for a lady friend because she had a bad financial record. Since the we have parted ( approx 6 years ago ). Approx 2 years ago I thought that we had transferred the contact into her name, but i have just found out that the contact is still in my name but…
