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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…
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Is it worth keeping interest free credit to maintain my credit score?
I will shortly be in a position to pay off a loan and some credit card balances. Is it worth me continuing to pay monthly a couple of interest free loans I have, in order to maintain my credit rating?
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Pay the debt in full or negotiate discount
Hi all! Hope someone here may steer me in the right direction. Over the years I got into some serious credit debt that I put into DMP in June 2019. I have been sticking to the agreement since. It appears that I may be in a position to completely pay off the debt in a month or so. I will also be looking to take the mortgage…
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How to make it better
Recently me and my partner have tried to get a mortgage but because of my really really bad credit history of missing some payments and account in defaults no will touch us according to Mortgage Advice Bureau which was very disheartening to hear they gave us no options at all. Anyway, cut story short we went to get some…
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Default registered twice for same debt
I defaulted on a Barclaycard in January 2020, however the same debt was sold onto Pra group who have also registered their own default in February 2020. Is this legal? Any tips how to argue this Thank you
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Adding rent payments to credit file
Hi, I’m a bit confused at the moment. I want to apply for a mortgage and whilst I have paid off my biggest loan, leaving me in a decent place financially, my credit score keeps going down. I was wondering if adding my rent payments would increase my Credit score and if so what the best way of doing this is. Thanks in…
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Worth applying for Credit Card 6 months prior to mortgage application?
Hi all, apologies is this isn't in the correct forum, please feel free to move it My partner and I will be looking to apply for a mortgage in roughly 6 months time (first time buyers with good joint income and likely 10-15% deposit) In summer 2021 I paid off a fairly large balance on a number of credit cards, all of which…
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Transunion shows a CCJ granted 5 days ago
Hi, I've just looked at my Transunion credit report, and found that a CCJ shows from the 10th February from Link Financial. I've had no paperwork about it, at all. It's a disputed credit card, for just over £1,500. It was sold from a sub-prime lender to Link while I was disputing it with the card company, and Link never…
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Moving back to UK from NL - Advice
Hello all im a new member so hope I’m posting correctly here. My family and I are returning back to the UK from NL after 10 years. We are very excited and will take some time away from work for the first year to settle back into the Uk. As we have been out of the UK for 10 years and have no assets or accounts back in the…
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Excellent credit score but history nearly blank
My issue is a bit of a strange one in that if I check my credit report via the Credit Karma app my score is Excellent with a maximum at 9999 and when I view my full report on there the only peice of infomation it has about me is my D.O.B, no address, no credit cards, no soft or hard searches, no finaicial connections, no…
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Discount butler
I've had a random 24.99 taken from my bank account by a company called discount butler... I have no idea who this is and I cannot find anything online about them.. can anybody help please? Thanks in advance.. M
