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Pay day loans
I have an offer in principal for a mortgage but would a £300 payday loan show up on my credit file thus affecting my mortgage application
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Sky A/C registered at my address
Hello, today a letter from sky came to my address in a name of someone who has not lived here, I opened the letter & called sky as an individual has a sky A/C registered at my address. I advised the The call taker that I would like a record that the above is the case as I was concerned about it, he advised he could not do…
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Disputing an Error on Credit File
Hi, I have recently been starting to look at my credit report and have noticed an error. I took our a payday loan with Instant Cash Loans Ltd t/as The Money Shop. I made all payments on time each month as per the agreement. As some may, or may not know, the company went into liquidation and at the time I had only one…
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Linked Addresses in MSE's Credit Club's report
Hi, in January I created the account on MSE's Credit Club to check my credit report. In my first report i had no "Linked addresses". Then I edited my addresses in profile settings and now in my new credit report which was published in February I can see all of these addresses in "Linked addresses" section. Does it work…
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Missed payments showing on Transunion - incorrect
Hoping someone can help - I'm in the process of applying for a mortgage. I've checked my credit report with the three credit agencies and have seen on my Transunion report there is information on there that shouldn't be. It is a HP with VW Finance - first opened in March 2014. The account is under "open accounts" section,…
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Changing name on credit record
Hello, looking for some advice on the following situation. I've always been known by a shortened form of my middle name which I have used for my bank account, credit card and is on the electoral register. My credit score under this name is great. However, I'm going to apply for a mortgage and need to use the full name on…
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Database for Customers That Won't Pay
Is there a national database of customers that won't pay and the debt isn't economical to proceed with legal action even in a small claims court?
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Identity Fraud
Hi all hope you can help with an issue I am having with AO and their finance partner Newday. So, last year I had my identity stolen and some fraudulent accounts were set up in my name. One with the TSB, one with Next Retail and one with AO. I thwarted the TSB application as all the documents were sent to me and I obviously…
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getting a credit card to boost credit score, a few month before asking for a mortgage?
Hi everyone to make it short, my wife has a so called "thin" credit history, as I have always been the one who officially paid rent and bills since she moved to UK (even though she would pay her share). So, as we are thinking about asking for a mortgage this year, I would like to do everything we can to improve her credit…
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British Gas dispute
I’ve recently been switched over to British Gas as my supplier ceased to trade and since the new British Gas account has appeared on my credit file my score has dropped my 147 points and it’s listed as disputed despite the fact I’ve over ever had one bill from them since joining and it being paid in full and on time. Has…
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Car finance
I am looking for some advice, I have applied for car Finance and they have requested 3 months bank statement of income and expenditure. I sent a bank statement over but in error it was just expenditure, I have asked them to destroy the bank statement and not share with outside agencies. I am just wanting to find out if…
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Withdrew from Loan agreement within 14 days but entry still exists on credit file. Advice please.
Hi, I took out a loan but didn't require it then and withdrew from the loan agreement within 14 days and paid it off in full within the 30 days of the withdrawal notice. The loan is showing as settled under Closed Accounts in my credit file. What is the correct practice here can anyone advise please? I have no issue it…
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:( :( :( :( My credit score dropped 325 points
Hi All, I am devastated!! I woke up this morning to see my credit score has dropped significantly and I can't understand why. 325 POINTS!!!! IN 30 DAYS!!!! Why meee?!? - We just bought our first house Sept 2021 - All my payments are up to date (except 1 missed payment last month) - I have the same overdraft limits that…
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Moved: CCJ High Court Writ
This discussion has been moved.
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Arrow Global
I'm confused. Got a letter from Arrow Global today claiming that I owe them nearly £700. Doesn't say who to though. I did have a Littlewooods catalogue years ago, and Lowell got a CCJ in 2018, which I've been paying them £15 a month. I also had a simply be catalogue in 2014, that got into arrears. I was paying it back…
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Default help
I am looking to get a mortgage so i checked my equifax account and it showed there was a default added to my account on 22-1-22 for £24 by bt. I have not been with bt for over 6 years and on the default it says it s for my previous address. I checked my old bt account and it says balance is zero, ive had no correspondance…
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Some advise please
Hi, New to the forum, over the past 2 years starting to finally do something with my old debt. Credit score not great but in 3 years time I would like a mortgage. I have paid about 30k off on debt in the last 2 years so everything that has defaults is either part settled or cleared. I have 3 credit builder credit cards…
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29/02/2016 Default date - when does it drop off
I know it doesnt really matter as its only a day or two either way. But after a long 6 year old slog this is the final default dropping off my file So default registered 29/02/2016(leap year) - what date does it drop off my file.
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How long on average for financial ombudsman to make final decision?
Hello all I’ve made a complaint to the financial ombudsman about Capital One holding me liable for a debt which is fraudulent. All the the lenders have upheld my complaint except for capital one. The adjudicator upheld my complaint and recommended they remove the default from my credit file, stop chasing me for the debt…
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postcode lottery limited - search on credit report
Evening Could anybody give me an idea on why and how, without my permission that Peoples Lottery Limited have done an Identification generic check on my Experian credit file. I have not and dont plan on playing the postcode lottery, therefore dont know how a search has appeared on my report. I understand that it is a soft…
