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CRC
I’m not sure wether this is the right place this. I’ve had two letters from CRC offering me a discounted settlement offer on goods I know nothing about.! My credit file is A1 with no missed payments or arrears. Has anybody on here had any dealings with this company?
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Hard search consolidation loan - application cancelled due to limitations of online address input
I completed an online application for a consolidation loan, after receiving a "100% guaranteed" acceptance rating from the search on this website. Based on this certainty I agreed to allow access to my bank account as well. I received a call from the Lender after they had accessed everything and conducted the hard search…
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EU sender agreed to pay customs charges, but now DHL are contacting me to pay?
I ordered an item from an EU country to the UK earlier this year. The sender put in writing via email that they would pay the customs fee. I received my item, but now months later I am being contacted by DHL saying I need to pay these fees that the sender said they would pay. How was the item released if the sender had not…
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Missed payment affecting score.
I’m on a DMP. The debt was sold to a well known credit collector but ever since the credit collector took over, they’ve been putting on my credit file that I have been missing payments even though I haven’t. When the credit collector took over the loan, they contacted the company who I have set up my DMP with. They agreed…
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2 derogatory marks on Credit Karma (Trans Union) but not on Clearscore and Experian
I have one settled CCJ from 2016 July which this month will be wiped off. But where has the other come from? Only the 1 CCJ is on Clearscore and Experian but two marks are on CK. The only info it shows is below. Any help would be appreciated. Thanks HIGH IMPACT Derogatory marks 2 Public records or defaults reported Keep…
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owe ebay £150 can i get bad credit
i sold my car with Ebay they have charged me 3 times i have tried to resolve it no joy. They have passed it to a debt collector. Started of at £70 now its £150. All i care about is not getting a default or ccj can they do this? it isn't a credit agreement if you sell on ebay.
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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…
