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EOS sending letters for debt that isn't recognised but would be well over 10 years old, which letter
Hi, my husband has had a couple of letters from an EOS Solutions. Initially we ignored them as thought they were a scam. However the most recent one says they may refer to their legal partners. The 'debt' is £1,666 so no small amount. Husband doesn't recall this but in any event we have been together ten years so would…
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CIFAS added to credit report
I recently applied for a capital one balance transfer card. I was approved with a 6000 credit limit and all was ok. Got an alert today from credit karma and checked and they’ve now declined and added a “victim of impersonation” marker. I’ve phoned them, confirmed to them who I am, my details, any credit I have thats on my…
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Small claims
Advice please. Someone has bought something from me with cash. I didn't check the amount paid because this person has told me he is a Judge. My fault, should never trust anyone. Before he left he used the bathroom and caused damage to the door, i wasn't so bothered, easy fix. Guy was disgruntled because he tried ro barter…
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Debt management plan defaults
Hi all. Does anyone know whether there is a period of time post default/arrears on the credit record where the impact becomes better? I know it takes 5/6 years to come off the record, but does the negative impact reduce at all if even 6 or 12 months have passed? Just trying to time when to submit a new application.
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ClearScore / Equifax - Negative impact from credit card withdrawals abroad (e.g. Halifax Clarity)
ClearScore recently notified me they'd be viewing credit card withdrawals negatively on credit reports. I can understand this in principle - you generally shouldn't borrow cash from a credit card. However, credit cards like Halifax Clarity provide near-perfect exchange rates and fee-free cash withdrawals globally. It's…
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Buying/Renting with my history
Hi All, Long story short, I had money troubles growing up (18-22) and got myself in debt and CIFAS Cat 6 marker. Thankfully I have changed my life and finances. Myself and my partner are looking at moving out in the next few months and I wanted to look at our options. In an ideal world we will buy a house but I feel that…
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Challenger Banks and Credit Ratings
I banked with Halifax for many years and, during that time, my credit score (yeah I know - as provided by Experian etc but let's forget about that for now) was always healthy and, on the odd occasion I needed a new credit card, there were a plethora of options open to me. I have no debt whatsoever, never have. A couple of…
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CIFAS protective registration
I have discovered my accountant's email has been hacked. The hackers got my email address and sent a phishing email but I don't know what else they got. I have updated my passwords but is it worth getting CIFAS protective registration?
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MSE Credit Club - Overview of your Current accounts
Hello, Should the balance show against your list of Current Accounts? Mine has always listed them as £0 which is not correct. Any help appreciated! Thanks
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Late Payment prior to Mortgage Completion
Hello allWondering if anyone else been in this situation, so my credit report is currently marked as excellent which I know has no impact on mortgage lender checks.I had my mortgage offer approved but am around 3-4 weeks away from exchange and completion.However I had forgot I had direct debit cancelled and so had late…
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Debt collection searches - impact of mortgage application
Hi all, I've posted a more detailed thread over at the Debt free board but wanted to enquire about a specific issues I'm worried about here. My partner has an unpaid debt from '09 for around £5k, CCJ registered in '15 and now off the public register. We've been trying to pay this off after recently after coming into money…
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Open credit accounts
I've finally been able to pay off all my credit card and loan debts and am now looking for a larger mortgage. I have 31k worth of available credit spread across 5 credit cards so would it be best to leave these as they are, reduce some of the available credit (lower limit) or close some of the card accounts. The loan…
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Moneyhub / Voxi mobile
Hi I am posting here hopefully in the correct section (moderator feel free to move if I've got wrong) regarding a company - Moneyhub, who carries out a check on your bank account to verify that you are in receipt of a qualifying Government benefit to get a discounted mobile phone deal with Voxi/Vodafone. I've tried to find…
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Hard search appeared on my file from Debt collector
Hi. im currently in the process of getting a mortgage, as far as i understand it, when the valuation is done in 2 weeks time, they will perform another hard search on my credit file this debt collector search appears today! I called up the debt collector to find out why, and all they could say is that I would be receiving…
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Ccj
A ccj was registered on my credit report on the 23rd March 2022, i have been told if I pay within 28 days of it appearing on my file It will get removed and when I read online, it says even if I pay within one month, it will stay on my file for 6 years Is it true if I can within 28 days of it appearing on my report it will…
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Help with default and mortgage application
Hi folks, Hope you're all well. I wonder if you could help me - I am in the process of buying a house (about to get AIP), and decided to make the most of the bank holiday and tidied out my old paperwork. To my horror, I found a default notice from a pet insurance company in February 2016. In all honesty, I can't quite…
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My cifas marker has been removed but still cannot open a bank account!?
Hi my cifas marker has been removed but I still cannot open a bank account I do not understand what is happening?
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Reasons for SAR and will it be denied?
A while back a company had issued a black markeron my file, i feel this not right as the person i was speaking to had said that it would not happen. My response from the loan company was that it was perfectly explained. I want my phone recordings and to take it to the ombudsman. I have phoned the company since and asked…
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6 year old debt effecting credit score
Hi, As I am new here I apologise if this is the wrong place to post. I have two old debts effecting my credit rating. Both these debts were bought, one by Hoist one by Caboot. It has been over 6 years since either of the original companies received any payment or correspondence from myself, ( I have all the old statements…
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Raison Savings Savings applications suddenly being rejected
Over the last approx. 6 months I have had several applications for savings accounts with Raison rejected, I have been a customer for 3.5 years. Frustratingly, they claim they are unable to give me any reasons "Due to regulatory
obligations". I have recently opened a savings account through Hargreaves Lansdown so they don't…
