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Very Me-Contact email
I bought something from Very Me a few days ago. It said on their website if I took out a credit agreement with them and used the code 'Welcome' I'd get 20% off. This wasn't true so I paid for the item using other means. I emailed them at help@very.co.uk to ask them to cancel the credit agreement but it bounced back. I…
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Credit score gone down for no known reason
I have had a credit card with Barclays for years and years, have never been late with payments or missed any. I had a credit limit of £10,000 but probably only ever used up to £3,000, and always paid it off quickly by paying lump sums and never minimum payments. Used for mainly holidays once or twice a year. Just a few…
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MSE Credit Club - Defaulted Account not Settled/Satisfied
Hello, Hoping to get help with a defaulted account. I swapped mobile providers away from Vodafone in late 2020, but due to moving I missed the last payment I thought I had repaid. I had a balance of £57.00 that was left over - this was defaulted after a few months and I recieved an email from CCS Collect for the payment. I…
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default listed multiple times on credit file
hi , back in 2018 i went through a bad breakup and it left me in a bad financial situation that resulted in me defaulting on a credit card i had at the time . since then i have been working hard to get it sorted and have been paying it off but the debt has been passed from one company to another. each time this has…
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Defaults and how they appear on credit file when sold.
Evening I have a credit card that went into default. I was aware of the default for over a year and kept ringing up to pay it without knowing. When I was aware I set up a payment plan with the company. The agent was very blazey and said pay what you like there is no interest. So I start to pay of £50 a month. A few months…
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What to do - Mortgage in a few years
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Unable to get credit
Hi, I have a perfect credit rating score experian 999 but recently got turned down by Klarna and previously a couple of loans. This also happened before when I tried to get a mobile phone. A long time ago I had my card cloned and this led to an issue with Carphone Warehouse as they took out phones using the card. Is there…
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Good Credit Score but high APR offers
I'm new to the site and apologies if this has been asked before: I use two websites to keep track of my credit score, which both show as pretty healthy (879/100 and 867/1000) yet when looking to do a balance transfer on a credit card I get credit building cards offered or high APR on approved lenders. I also had an issue…
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Vodafone error
Any help please, Vodafone have added something to my credit file in error (has taken 4 months to get this far) however I am still waiting for it to be credited and removed from my credit file. I have raised a complaint with Vodafone they however keep saying they are going to call me and never do. When I try and call them…
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Account disputed - last payment October 2019
I have an account that I haven't paid into since October 2019, the account says 'disputed' how do I get them to default me?
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Pre-Employment check
Hi all, I have been conditionally accepted for a customer service role for an insurance company. As part of the vetting process they require a credit check. The company doing the check states they only check for IVAs, bankruptcy, debt relief orders or CCJs on my credit file. I have never had any of these but have had a lot…
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18 year old struggling with credit
My 18 year old daughter is trying to get a credit card to smooth out the bumps after Christmas and cannot get any credit for love nor money!! Please help - any suggestions? We have tried: Credit cards with existing banks Overdraft with existing bank Vanquis Capital One
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Slight panic prior to mortgage - help!
Hi all, Hope you're all well and thanks in advance for any advice. At present, I have one 'for emergencies' credit card, and one 0% transfer one that I can no longer transfer to (received in July 2021). I wonder if you could help me, please - my partner and I are looking to buy a house later this year. Following an…
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No credit history, got Aqua card, not sure of next steps
I mean literally no credit history... Experian couldn't even find me, and this was apparently the reason HSBC rejected me for a credit card about 2 years ago. After that I got an Aqua card, and I've been consistently spending a small amount and paying it off. I can see this in reports from both Equifax and Experian - under…
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Credit score Experian/Equifax (clear score) disparity
Hi, over the last few years I have been working very hard to repair my poor credit rating so I can confidently apply for a mortgage. I won't bore you with the journey, but I was very pleased when I checked on clear score, who pull date from Equifax, that my rating has now reached 698/1000 which they deemed to be "looking…
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DRO debts incorrectly marked on credit reference sites after completion.
After completion of a debt relief order in July of 2021. Several of the companies covered by it, refuse to notify the credit reference agencies (or just ignore any contact I attempt) that the debts listed in the dro have been satisfied/partially satisfied and so they remain on my file as open debts. Raising a dispute with…
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Removal of a Paid CCJ
I have recently paid in full a CCJ to Gladstone Solicitors who are acting on behalf of Euro Parking Services Ltd. Around 9 months ago I was issued an initial parking fine from Euro Parking (the parking fine I do not really care about contesting, especially after paying the CCJ is an admission of guilt). Due to my…
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How do you get a credit score?
My son age 21 has been thinking about borrowing (loan) for a car, due to ULEZ restrictions. He has been with Nat west since age 16. Never been overdrawn, worked at same job 2 years. Never borrowed before or taken out a credit card as not needed. He has little outgoings, lives at home . He has got some savings. Never been…
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What does "M" mean on my credit report next to Payment Code?
Anyone knows what this means? With a couple of credit lenders they appear to alternate between "N/A" and "M". Thanks
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Yorkshire Water Missed Payment
Sold my house in Sep 21. Trying to buy a house now and a couple of agreement in principles bounced. Checked credit report and Yorkshire water reported failed payment of £44 after closing the account down. Phoned them up they said when the close the account they also automatically stop the direct debit, so the final monthly…
