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Resolvecall and Capquest
Resolvecall contacted my about a debt from 2006 on behalf of Capquest. Capquest suddenly stopped the agreement of £1 a month without me knowing anything about it in 2019. I wrote to Capquest and let them know my present situation, I am 67 , retired and living off the state pension. I told them that I would not engage with…
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ClearScore rating dropped unsure why
Hi all. Would a new mobile phone contract drop my ClearScore score by 31 points? The first payment hasn’t been taken yet. I’ve got a very high credit rating which was 983 but dropped to 952 this week. The only thing that’s changed is I took out a new phone contract last week. I knew they were doing a credit check and…
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Question Relating To Possibly Unenforceable Debts
Hello, It is alleged I owe two amounts relating to two credit cards. One amount is being managed by PRA Group. The other has just been passed to a company called Intrum. Neither appears on my credit score, as the alleged debts are over 6 years old. I am paying both amounts off monthly - £5 per alleged debt. PRA Group The…
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Cifas Protection Marker?
I got the Cifas Protection two years for £25 in December 2020 due to my details being obtained by a scammer, does the Cifas marker stay on my credit report or do I have to pay £25 again?
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ID mobile didn't cancel my rolling contract
Because of this I got 3 months of missed payments. This happened 2 years ago and I only realised this week it hit my credit file. This wasn't my fault though. I cancelled it over the phone and the operator told me the date it would be cancelled. I didn't record the conversation. What can I do in this scenario?
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CCJ Advice - Not paid as goods not received.
Hello, I'm trying to sort out and an old CCJ I received a few years back, in 2019. I used a online auction to bid on a item. When it came to pay I didn't have the money and apologised to the company. I was planning on buying it through my limited company. My company details are on the site, VAT and all. I think they…
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What difference does an 'Alternative Payment Plan' make to credit status/score
Hi i just got accepted onto Severn Trent Water's scheme to reduce water bills for those on low income. Got the tip from MSE's most recent email. But in the welcome letter it says they will share that i have asked for help with credit agencies. It says on their website "If you are on an alternative payment plan, for…
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Equifax argh! No record of my council tax, b'band, gas, elec and water.
Has anyone else suffered absolute frustration when trying to deal with Equifax? The story - Applied for a new mobile phone contract with Virgin and was turned down, which was a shock. They told me to contact Equifax, who they use for their credit checking. This I did. I signed up for an account and was shocked to see I had…
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Having a bit of a nightmare with EE
Quick backstory, back in September I transferred from BT to EE mobile, everything seemed to go ok, but after a few days my number hadn't ported so I called EE and asked what was going on and it turns out the port date had been set at the absolute latest date possible, this of course meant that I would have both contracts…
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Disposable incoming assessed as low, but it isnt!
Hi Gang, Just got declined for a credit card which surprised me so i went on the credit club on here. Everything is 999 / fully green except Disposable income which is rated as red / very weak. How do they calculate this? 2 kids (one in school one nursery) I put 1k a month into our joint account to pay bills but thats…
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A soft search apperared on my file but not by me
It says Type - Credit quotation by Barclays group,. I've had a BC forward for about six months, do you know why they would do a soft search? Only thing I can think of is maybe a credit increase?
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Not showing on electoral roll
Tomorrow, we are making a mortgage application. I have just been on checkmyfile and I am only showing as on the electoral roll with one credit reference agency. Why would this be? We have just emailed the local council but had an email confirming we'd updated the electoral roll. I am worried this will mean the mortgage…
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Rebuilding credit with new or old card?
Hey guys I've just finished paying off my debt on credit cards. I could search and get new CC or could I use one that was in debt with payment plan with step change? This card never faulted but is same company as my mortgage. I was going to call the CC company and ask for new card but thought I'd asked here for some advice…
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Ccj thats not mine
Hi all, I am speaking on behalf of the mrs. She has got a ccj for a parking offence from 2017 that is not hers. Basically she has the same name of the offender other than middle names are different. Now I can not believe these credit companies don’t use date of birth and other simple facts to prove who it is. We have proof…
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Incorrect CCJs - compensation?
I had two CCJs incorrectly issued against me. The solicitors firm which was hired by the client to issue the CCJs did so using initials only. With no full names or date of birth available, both CCJs incorrectly went on my file simply because I shared those same initials. Anyway, this caused a devastating impact on my…
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Civil County Court hearing.
Hello I'm not sure if this is the correct forum for my question so I apologise in advance if not. I have had an initial hearing in small claims court and the court did not receive all of the evidence I submitted so I the court has given me more time to resend the evidence. My question is: can I submit new evidence for the…
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Refused new mobile/broadband contracts despite perfect credit score
Hi Guys, I'm trying to reduce my monthly costs, so have been using this site to locate good deals on broadband and mobile phone contracts. I have applied for a new broadband deal with Vodaphone, and a new mobile phone contract with iD mobile. Both were deals I found through the MSE site and were supposed to come with a…
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2019 Default by My Jar query
Hi all, it has been a while since I have been on here and nearing hopefully the final miles of paying off my debt! I have recently checked my Experian credit report and was extremely surprised to see a default noted against perch capital from Nov 2019. Perch took over a My Jar debt earlier this year and I have never…
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CIFAS Marker Removal?
i recently applied for a Premier account with Barclays to go with my Avios Plus card to get the Avios bonuses, Barclays have now decided to halt my application pending a “fraud” investigation and have now placed a CIFAS marker against me..!! I don’t understand what they have found in my application to be fraudulent and why…
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CCJ - Despite sending the claim back to Drydens
Hi, I am in big trouble, I would appreciate some advice, please. I used to have a debt management plan with StepChange, which I stopped as I had huge financial difficulties due to some personal circumstances. I got a letter from Drydens in September saying I will be taken to court for a debt of ~£5000. I was abroad, came…
