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Bank acknowledge fault after accidently placing a closed account on default
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so the point of them is none then?0
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Forgive me for being new to this, but the credit score I got from experian was excellent 987 ?
Or does that mean nothing
Unfortunately you are the only one who sees that score, the banks have their own internal systems for scoring you and take absolutely no notice of what number Experian/Equifax might say.
If there is a default on the account they will see this and it is probably this that has caused you to be declined.
The credit reference agencies give you a number in th hope you pay them each month to raise it.
Nobody but you and the credit reference agencies see that number and don't be fobbed off by them saying otherwise.Been here for a long time and don't often post
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well i guess this highlights how new i really am to this stuff...
thanks for all of your advice0 -
It is only by reading on here that I have learned as much as I have and I am still learning new stuff everyday, so don't be disheartened to not know it all, there is a lot of stuff that never gets spoken about in everyday conversations and this is one of them
I think the CRAs like to keep us in the dark so they can generate even more money.Been here for a long time and don't often post
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Have PM'd you, dtwingnut:heartpuls Mrs Marleyboy :heartpuls
MSE: many of the benefits of a helpful family, without disadvantages like having to compete for the tv remoteProud Parents to an Aut-some son
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after recently being tured down for a mortgge due to default bank account that we no longer use back in 2011.
i chased this up with the bank.
the reply i got was this was an accident on their behalf and by way of an apology offered £200
i have spoke to a few people who think that the derisory offer isnt enough due to the stress and emmbaressment this has created.
not to mention that we are still unable to bid for any houses and have had to put off the surveyor of the people who want to buy our house as we still dont know whether we can get a mortgage.
they have alsoadvised that they will correct the default.
any advice?
See the Durkin case in a recent thread. If you can be bothered with all the hassle you could sue them - maybe speak to a solicitor. For too long these bloodsuckers have been placing erroneous data on people's credit report and causing untold hardship. According to the Durkin case, they may be about to get their comeuppance; I certainly hope so.0 -
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