-
Taking company to Court vs Backing down
Eon energy, one year ago, there was a massive !!!!!!-up with my direct debits/payment plan. Long story. They defaulted me. Three months ago, spoke to someone at Eon, and along with email evidence from them which I hold. They stated if I pay off the outstanding £3,000 debt/Balance, they would remove the default. I've paid…
-
Credit club login problems
Ive just failed a credit check, first time in 43 years work and i need to see my experian report. ive not logged into the credit club for a while and cant remember the password, no matter how often i click the reset password option and fill in my email, i get no email sent. frustrating. I cant set up a new account as it…
-
Cifas sar
Just done a cifas sar it’s come back clean apart from these, would there be anything to worry about or is that a genuine check from the bank?
-
Experian showing no active credit accounts
Hi I currently have a mortgage, credit cards, car finance and mobile phones which all show accurately on my ClearScore report but seem to have all gone missing on my Experian report. I have requested the actual credit file from Experian but it looks like it could take 7 days to come to me. I have checked it before in the…
-
Halifax
Evening all I had a credit card with Halifax dating back to 2011, which I defaulted on and was sold on back in 2017. I successfully challenged the default date recently and they agreed that the default date should have been 2013 and not 2017 (and therefore no longer on my credit file). The debt has been sold on twice, and…
-
Klarna soft search
In Nov 2019 I used Klarna for the first time for a buy now pay later purchase. The account was paid as per the agreement, no missed payments etc. I then closed my account and haven’t used them since. Although I know soft credit searches don’t harm your credit file, I can’t understand why nearly 2 years later I’m still…
-
new agreement added
as the topic says, ive had a email saying new agreement added and its from bt ive got my landline from plusnet middle of my current contract not reported ive had my mobile with ee from the year dot and they have got there own report , which i have just renewed my sim only contract so this bt has just shown up nothing to do…
-
Currys Creation ‘Your Plan’
So long story short. I don’t have great credit, infact, it’s pretty poor. My son was after a steering wheel to go with his PS5. I seen the G29 down to £269 on Currys so chanced my arm at being accepted for the credit plan and was accepted. I went in today to get my SO a new Apple Watch S6 (£349), got all the way through…
-
Small claims
We have a shared sewage treatment works between 5 houses. It says in our deeds we are all liable for 1/5 of the cost of maintenance, repair or replacement. As it is on our land we have had to sort out the problem. To cut a long story short it was more cost effective to have it replaced rather than repair it. Four of us…
-
How likely will I be accepted for finance?
Hi, I’m planning to get a new car on finance and I wanted to ask if anyone knows how likely I’ll be accepted for finance? I’m 21 and my credit score is not the best as I missed a payment 3 months ago but everything else is fine. My Experian credit score is 748 and Clearscore is 660 out of 1000. When I checked my finance…
-
Asset Link CCJ
I have received a CCJ from a credit card I received a default on from over 15 years ago, I was paying £1 for a long time but a change in interest rate wiped out the monthly payments I was transferring into the account that the payments were coming from and ended up closing the account, I called the ORIGINAL debtor but they…
-
Right of Withdrawal on Loan Agreement : Credit file query
Hi, Very recently I took out a loan but my circumstances changed and luckily I was still within the right of withdrawal before the end of 14 calendar days from when the loan was taken out. I paid the loan I obtained fully back the next day after I notified them of my intention to withdraw from the loan agreement. How…
-
Satisfied CCJ
Hi all I recently paid off a CCJ that I got 5 years ago. We are currently looking for a place to rent. Before the CCJ was satisfied, estate agents ran the credit check and we were declined. We haven't tried since its been satisfied. I've looked at my credit report and on clearscore I cannot see it but on Credit Karma, its…
-
CCJ in individual name and not company
Hi all, I was a director of a Limited company and a CCJ was issued for an unpaid invoice against me and not the company. What are my options? It was about 4/5 years ago and the CCJ is on my credit file as unsettled but the court and claimant are not pursuing. Can I request that it is removed from me and placed against the…
-
Notice of correction added
as the title says, this is from my clearscore file, i did raise a query with a hard search as its over 6 months old, to be removed that was on mon gone 22nd its 12mths old dec12th and this is the notice that will be going on my file, can anyone help me whats going on "[NOTICE OF DISPUTE - THE INDIVIDUAL, CONCERNED HAS…
-
ONFIDO LTD
Checking my Equifax file I have found a search by ONFIDO LTD with the reason being 'ID check to comply with ML regs'. I understand that ML stands for money laundering, as a pensioner I wished that my bank account showed transaction large enough to flag up an ML problem! I have not opened any accounts, applied for a loan or…
-
Direct Debits set up on my Bank Account
Hi, I moved house this year. Previously we were renting a property and paid rent privately. I have my post re-directed from my old address set up for a year, so 6-7 months still left on that. In the last 4-5 days I have received a Mobile Phone Sim Card through the post and also a Pet Insurance policy. They both were…
-
How do I remove fraud from National Hunter file.
My wife and I applied for a mortgage in April, and it was turned down at the underwriting stage. It happened again in October. Both are credit scores are excellent. We were advised to check our national hunter files, which until that point I had not heard of. Her file has the initial mortgage that was turned down on there.…
-
Settling 15 year old debt effect on credit file
I was hoping someone could advise. I have had a payment plan for 15+ years to 7 different creditors and I get regular offers to settle the debts for a fraction of what is owed. Because the debts are so old they don't seem to be listed on my credit report so what would be the impact if I did settle? If it did have an impact…
-
Explicitly said no to credit search but it was done
I recently had a call from virgin about a new contract. I agreed until the adviser said he’d need to do a credit search. I then asked him not to go ahead as I was in the process of sorting out a mortgage and wanted to check with my mortgage broker first. I told him quite a few times not to do the search. He agreed to call…
