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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…
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Default or CCJ after Repo
I recently went through a messy divorce and had the matrimonial home which was solely on my name repossessed by the lender. The procced of the sale was enough to cover for all the debt and even have about 85k left. I Just checked my credit report and discovered 3 defaults on my files.( one for the main mortgage and two for…
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CCJ awarded as I wasn't receiving my post
Hello, Its a tricky one this - I discovered I'd had a CCJ filed on me for an unpaid parking ticket. I didn't get their notifications or post as my ex-wife and I were having a very painful split up which meant I could not go to my house to retrieve post, and no post was being forwarded to me. All correspondence from that…
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Shell energy - credit file entry
Hi all, hoping to see if anyone has had a similar issue with shell or any other utility company. My utility contract was moved from pure planet to shell due to pure planets demise. The move was completed in January and since then I’ve paid by direct debit and currently have a credit balance with up to date meter readings.…
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Am I due compensation?
I have recently had a piece of inaccurate information removed from my credit file after two years. I notified the creditor (Marbles) in August 2020 that my account with them was listed as in default, when in fact it was paid off and closed. No action was taken. I have been refused credit several times due to this and have…
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switching current accounts downside
Hi, I've recently switched current accounts twice to get the switch bonuses. I am considering switching several more times to clean up the rest of the bonuses available. Is there any downside to this? I'm not planning to apply for any major credit products in the near future (next year or so), but could this impact my…
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Improving credit score report - Debt to Income Ratio
Hi everyone, I just did my Experian check on here through MSE Credit Club. My general credit score is very good 969. My credit card affordability rating came back as 'Good', but my loan affordability came back only as 'Fair'. I also seem to be having an issue with my Debt to Income Ratio (Amber rating). I have a credit…
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Removal of Missed Payments from Lloyds
Hi Guys, Lots of you have helped me in the past - though I can't find my other older account name on here, but anyway, I just wanted to post what happened here in case it's of use to anyone. During lockdown I lost a lot of income and got into trouble with my card debts etc. I missed some payments on my credit card with…
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Credit File Advice
Hello, I’m not sure if anyone can help me on this please? My husband and I are separated and have a joint mortgage, he lives in the property and has debt following a failed business (debt in his name not mine). One of the creditors associated with the old company have gone through the courts and have just won a court order…
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Lloyds and my Credit Score!
Can anyone give me any advice - would be very grateful. I was self-employed until covid, doing 2 jobs. I lost both of them during the lockdowns and my finances went a bit haywire. I got behind and was late for 2 payments on my Lloyds credit card. I then got a new job - going back to full employment (which was really lucky…
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MSE credit club verification problem
Has anybody had any problems with the credit club recently after many years of no issues I tried to login on over the weekend it stated it needs further verification which can take 2 days, tried again today and i could not be verified, I deleted the account, re-registered and it's the same issue will take another 2 days to…
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After current Acc switch - having two current accounts on file...
Hi. I've switched current accounts - Barclays to Nat West. My credit scoring is excellent and I want to keep it that way, but I'll have two current accounts registered, and surely that's going to cause a negative affect? What do you suggest please? I need to keep the Barclays account open for a few months to make sure all…
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Linked address on Credit Report is connected to identity fraud - how remove?
Last Friday a credit card provider called to say my dormant card had been used and I was the subject of apparent identity fraud. They confirmed the account details would revert to mine, the account would close and I wasn’t liable. They suggested I register with a credit reference agency and review my credit report which I…
