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Just found out that Tesco bank has placed a Cifa on my credit file. What do I do (screenshots)?
I didn't even know what "Cifa" meant until I looked it up online. Apparantly it's to do with fraud. I have no idea why this has been placed on my file since I have never had an account associated with Tesco. Please help. Thanks.
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Is this Tomlin order for consent to set aside a CCJ valid after an n244?
Hello, I have received a consent order from the solicitors representing the claimant regarding a claim that was sent to the wrong address. I now have a ccj on my credit file which I’m really hoping to have removed as it will impact my job and relationship for that matter. The ccj concerns a debt of £2100 that I paid into…
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Possible Identity theft
I have received letters from companies I've not taken out contracts with. (Tesco mobile and o2 insurance) so I think someone is fraudulently using my name and address. I've logged it on action fraud but I've no idea what to do next? Grateful for any help or advice?
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Suddenly unable to get a loan and not sure why? A few weeks ago I was able.
I need a loan for £25k - a few weeks ago most of the sites said I was eligible but I never applied. But now, almost all lenders say I am not eligible. Why could this be? One thing I think that caused it is that a few weeks ago I properly applied for a loan which I chose not to proceed with (as the interest as a lot higher…
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Default raised on my credit file in error
Hi, I'm hoping someone may be able to offer some advice or let me know their experience regarding a default being logged against your credit file in error. In December 2020 I missed a few payments on my Barclaycard credit card, I was sent a final letter where I had to bring payments up to date and if I didn't pay by…
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Default card
I defaulted on a credit card thanks to lock down. I’m making small payments to clear the balance. My dilemma is that my wife is due to change her car in June. Will my default affect her score? It’s only going to be her name on the pcp for the car but she’s a named cardholder on my MBNA credit card and we have a joint…
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Default on credit file - mortgage application
Hi Please read this as I am really stressing and need some advice! I had a text today saying I owed Anglian water £150 from over a year ago. I immediately phoned them and paid but they said a default notice had been put on my credit file. The debt arose because I moved into a rented flat as my then wife and I were in the…
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Clearscore £6 cashback offer from MSE email 30-11-21
Anyone else still waiting to receive their £6.00 cashback, via TopCashback, from the MSE email on 30-11-21? I received the Experian one with no issue, but despite 'nudges', still not received Clearscore's! - For Experian (the biggest): Use MSE's free Credit Club. - For Equifax: Use Clearscore* - though until Sun Clearscore…
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PRAC/ BW Legal
Hoping to get some advice on behalf of a friend. She has received a letter from these two regarding a debt that British Gas has sold to them for a rented property she left 5 years ago. She was not living in the property at the time for which British Gas has billed her. All the tenants had left and the house was being…
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Old debt settle or will it affect credit
Hi just after some advice 7 years ago I lost my job and fell behind on payments this was noted on my account as a default anyway I have been paying back what I can afford. The debt is now down to 6k anyway they have offered me a settlement figure which is 2000 I want to pay this off and have some inheritance due of around…
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ClearScore incorrectly says one of my credit accounts has closed.
Upon checking my ClearScore account I’ve noticed a credit account I’ve had open for a considerable while (and is still very much open) is saying it’s “closed”, this is definitely an error however my credit score has now gone down as a result. I contacted ClearScore about the error and the email response I got back was…
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Hard Search: Broadband Contract = Loan?
Hi. I recently switched to BT for broadband after being with Sky for ages. During the order process, I was told about a credit check being run, but why does switching broadband have to be a hard search and not a soft one? Surely taking out broadband contract is not the same as taking a loan?? Plus, Sky never did a credit…
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Credit file special arrangement
Hi, I have a special file which has special arrangement next to my debt with Very. I do pay it via stepchange. All my other debts defaulted in January 2020 so I'm concerned this may change too. Does anyone have any advice with this one?
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Credit score..what am I missing ?
This is probably a dumb question but.. If I look at my credit score on Clearscore, money supermarket they all state 4 out 5 or 90+% and very good BUT when I try to apply for a balance transfer credit card or loan I get either no or zero results What am I missing ?
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Resolve call
Hi, a relative has been chased at their address by resolvecall for one of their family members debts which is causing them stress does anyone have any experience of what type of debt this company usually buys and chases? Or do they chase all sorts?
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How do i get british gas to amended credit file
How do i get british gas to amended credit file - is there a phone number or specific email to use?
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Capquest chasing debt on a dro
Hi, I was granted a dro back in 2017 and included on that was a debt with the rbs , I received a letter from the rbs saying my account had been closed with a nil balance in early 2018 , I am now receiving calls messages and letters from capquest demanding payment , I rang them and tried to explain about the dro but they…
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Potential cifas?
Hi guys I applied for a bank account with HSBC I put that I had owned and lived at my house for 3 years and that I earns 86,000 a year from my job. They still haven’t come back to me and it’s been 4 days when reviewing my mortgage paperwork in fact I’ve only been here for 2 yrs 6 months and when reviewing my sa302 I earnt…
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Debt relief order and it still not over after 2 years.
I'm not sure what to do. I had a debt relief order that was fully discharged at the end of last year. Still, I have many of my creditors adding defaults to my credit file. I don't understand how this is even legal, they know I had one as non of them is chasing me for the money anymore. I haven't the mind set to deal with…
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What if credit card issuer lowers my limit to below my balance?
I've just successfully applied for a Sainsbury's credit card with a 24 month interest-free period and a credit limit of £6000. I'm planning to use it to pay for central heating at a cost of over £5000. The terms and conditions of the card say that they may change my limit at any time. Needless to say I'm concerned at the…
