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Aviva reporting home insurance as a 'unsecured loan' with TranUnion
I have checked my credit file and Aviva Online have have reported I hold an 'unsecured loan' with them to TransUnion. This is not true, I have a home insurance policy with them that I'm now seriously re-considering. As I understand Insurance policies aren't reported to agencies and certainly aren't reported as an…
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Cabot texts
I received a txt from Cabot saying they need to contact me. I have just sold my London home and instructed my solicitor to pay ALL outstanding debts including one on my file from Cabot. I assumed they were contacting me regarding the account closure. I clicked on the link and it turned out to be a demand for £3000 for a…
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Credit Card vs Loan (Debt Consolidation) & Credit Score Impact
Hello all. I have 3 credit cards totaling 17k approx, only one, the smallest amount, is on zero interest. As I struggle (i.e. it gets me into more debt), to pay the monthly minimum of £400+, I'm wondering if it is more beneficial to take out a long term loan and pay back £200+ per month. I am in the process of selling a…
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Default after withdrawing from credit agreement
Hello, I took out a loan from 118 money a few years ago, however I withdrew from the agreement within the 14 day cooling off period. I realised it was a mistake to withdraw, and attempted to continue with the agreement, but was told I was not able to and had to return the funds within 30 days. Unfortunately, I did not…
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BW Legal mistaken identity debt letter
I received a debt notice from BW Legal for PRAC financial limited for a small amount from a British Gas bill. Only problem was the address for the debt was not mine, but similar. The two addresses are v similar - indeed the other address is across the road from me. But they are different enough not to be confused and the…
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How will it effect my score
Hi every one need advice. So I have debt that ended up with debt collection Company's from defaulting on my accounts. What I want to know is if I settle these accounts will it be bad on my score from the day I settle it or from when I defaulted? Or does this work as two bad marks one from defaulting and one from settling…
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Received a court claim for a different business.
Hi. At the weekend I received a letter from Northamptonshire County court business centre regarding a claim for a business named similarly to mine but of which I have no knowledge. I really don't know where to go from here. I have tried to contact the claimant's legal representative CST law to explain the problem and asked…
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Incorrect amount registered by Hitachi Finance
We had some home improvements on a 12 month interest free deal with Hitachi Finance, as was. The amount borrowed was 3k and I only did it to put that amount in a fixed 1 year account to gain a little extra interest, wasn't worth the bother really. So the account now shows on my credit file, but for an amount of almost…
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How long does it take before a CCJ appears on a file?
CCJ newbie here so would welcome advice - I'v searched online for the answer but can't seem to find them. I'm locked in a legal battle with a tradesperson who claims I owe them money - they have taken me to court. I couldn't make the date of the hearing and wrote to the judge, but there was some administrative error and…
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I have the same name as my father, his CCJ has just turned up on my credit report.
my father has paid his fine, but the CCJ has appeared on my credit report. (we also have the same address) I cannot now get a mortgage with my fiancé. Some credit report organisations have removed the CCJ from my file, but Equifax refuse to do so even with a letter from my father. Equifax have suggested I talk to the court…
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CCJ incorrectly put on file after payment plan offer accepted
Hello Please kindly need your advice on this My ltd Coy is owing £300 and this was passed to a debt collection agency . I received a letter in Jan chasing this and was told to contact them before Jan 26th to make the payment. I kept calling and calling and left a voicemail which they said we could and I would get a call…
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1 to 2 months of defaulting on everything?? Damage limitation
Hello all, I have been unwell and not been able to continue running my business. I doubt I'll ever be able to go back to it. Consequently I've had no income for a while and last month I couldn't pay any loans or CC payments. Possibly this month will be the same but hopefully not. My company is going into liquidation. I am…
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I made a mistake on my application
I have just registered for the Credit Club/Experian. It's showing my bank balance as nil! When putting in bank account details I think I put the wrong accounts/credit cards as I didn't understand some of what they were asking and I can't see how to go back and change the information. Can anyone help please?
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Experian report link on Credit Club
Is anyone aware of a problem with the link between Experian and the Credit Club website? I tried to access my report via Credit Club and received the following error message:Credit report failed There seems to be a problem getting your Experian Credit Report. Please try again later. I have 'tried again later'. A lot! Any…
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Mortgage and DMP's
I am currently on a DMP with Stepchange for two credit card debts. I don't have any CCJ's and the debts defaulted in March 2017. My understanding is that these defaults will come off my credit file in March 2023 however my DMP will not be paid off until 2024. I am looking to get a mortgage in three years time and want to…
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Car finance - Northridge vs Toyota TFS
Hi! Just wondering if anyone has any stories of experiences getting PCP approval via either of the above? I’ve been accepted in faith (anyone know if this final acceptance or some in between stage needing more info from me?) by TFS £28,995/48months/£0 deposit but have also applied to Northridge on same terms as their…
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Should this still be on my file ?
Hello everybody and thanks for allowing me to join. Soo back in 2014 i purchased a car via a guaranteed finance company. The car was fine for a few months but then developed major faults. At first the finance company ssid they would pay for repair via the garage that sold it to me. When i was told the car was fixed they…
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Cancelled mobile phone contract - Impact on Credit File
Good afternoon, I'm hoping to get some advice please. Back in November I applied for a new mobile contract with mobiles.co.uk/Vodafone. The box arrived damaged so I returned it. I also decided that I wanted to take my time and try and find a different deal. The box was never opened and nothing ever activated. I received…
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One Parking Solutions Progresses to CCJ and Impacts Credit
Hello Everyone, After being really silly and taking advice from friends. I ignored a car parking fine which later materialized into a CCJ against. There had been a lot of issues with a particual parking company and in summary, the said parking company lost its contract at a car park. It even made the media. At this time,…
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Default put on credit file for 5 years that shouldn't have been on there
Hi all I received a letter from the Halifax yesterday saying that a default they put on my credit file in 2017 due to a missed payment was done so in error, and the payment in question was not missed by myself. They apologised and stated the default would be removed from my credit file but I have logged a complaint as I…
