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Statute Barred Debt?
Hi all, thanks in advance for any advice offered. I am in the process of helping my partner sort out his outstanding debts following being made redundant a few years back. He has set up repayment plans with all but one and this is the one we need advice with. It's a loan from Black Horse - £2709, for which he has only…
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Remortgage with a Default
Hi All, I have had a credit card account which was in default since 2014, however in January I paid this off in full. I am now looking to remortgage one of my properties into a buy-to-let deal (currently it is residential). My credit rating is fine in every area aside from this blip in 2014. I called my current lender who…
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Poor credit rating, no defaults/missed payments
Hi So I know there is no such thing as a credit rating per se. I know that I am unable to obtain credit (and this has been the case for a while). I was also only offered pre-pay gas/electric meters when I moved into my new place (thankfully my husband could get us a decent deal on that). I'm even rejected for certain bad…
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Credit Check for new job
Hi all, first post so let me know if this isn't in the correct section. So, I got a call today from an employer regarding an interview I have recently attended. The employer basically said I had the job, subject to a satisfactory credit report. They are sending me forms for this in the next few days. I am concerned as I do…
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Aqua credit checker
So I have noddle but also an Aqua card. Is signing into Noddle via Aqua credit checker meant to be different? I've heard previously that you gained access to the premium stuff for free and that reports were generated whenever you logged in. There is no longer a form to fill out with Aqua, either you sign in as normal or…
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Halifax Mortgage
Hi, I was issued a full offer by Halifax in Feb this year. I called them today to ask if paying for car insurance monthly would be a problem for them. They said its highly unlikely that it would. So I've decided I'll just pay for it in full. Rather than take the risk. Whilst about to end the call, I noticed quickly on my…
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CCJ paid, but no receipt
I had a court judgement against me this week for some gardening work. It was only part payment of claim and the claimant had to pay court costs and our expenses for the day. We paid by cheque outside the court room, but due to the stress etc forgot to ask for receipt. I've written to the claimant to ask for a receipt, but…
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Clearscore security
I am amused, or perhaps concerned, to be able to report that I have inadvertently managed to open two separate Clearscore accounts, with different email addresses, both accessing the same data about me. The anniversary dates are 2 weeks apart, so it now means I can check my data twice a month rather than only once. Says a…
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Complained about littlewoods and very
Hi all, I complained littlewoods and very and how they did not consider circumstances when giving me my accounts and credit in 2013. asked for all entries to be removed from credit report and all fee's and interest returned. very\littlewoods did not appear on my experian credit file before this point just my equifax with…
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Credit rating plummeted for no apparent reason
I had an excellent credit rating for years, I pay off credit card in full all the time, have another credit card unused. I never missed a mortgage payment. I have been looking for a house and months ago I easily got a mortgage agreement in principle from a building society. I haven't sold my flat, the agreement expired a…
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Mainstream account with a CCJ
Hi I'm a student and have a non-student bank account with Halifax. Been with them about 2 years. I got a CCJ last year for £1600, landlord claimed I stayed for six months after tenancy when I only stayed two. Is there any chance I could get a Lloyds club account? Or is there no chance? The cinema tickets would be great on…
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Amother rookie with a default question
hi, just wondered if someone could give me some advice... I had an account with orange that I opened in January 2012. In November 2012, I transferred it over to EE. Anyway, I had never looked at my Credit File for years until I logged on for a 30 day free trial at one the other week... I discovered Orange had placed a…
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Advice to settle old CCJ with warrant of control from very old debt
**update I reposted this with some edits in Debtfree Wannabe** I've been trying to clean up my credit report recently having finally cleared debts from the past 15yrs, only to find out recently that I now have an active CCJ against me from Northampton court dated from November 2013!! This is total news to me as I moved…
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Only defaulted accounts removed after 6 years?
I've heard accounts are removed from your credit file 6 months after they were defaulted. What if you had an account with months in arrears followed by arrangement to pay months then a number of paid in full months before being settled (closed by myself)? I would like this to be gone from my credit file as it doesn't look…
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CCJs
when do they cease to exist? I was ringing around for some car insurance , I am getting used to being asked , do you have any NON motoring convictions , digging into your privacy a bit , I think does it make you a worse driver if you have murdered your wife? if you are a convicted !!!!!phile , will you drive slowly past…
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Very Account Balance
Apologies if this is in the wrong place but I'm sure a few of you out there have a Very account. Has anyone else had any issues with the available balance that's shown? I check my account regularly and I notice this amount goes down slightly a few times a month, normally a couple of pounds up to about 10 pounds. I get…
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credit report help
Hi I currently have a debt of £3,500 and on my credit report theses are marked as a default payments as i didnt know i had these debts. Old address and an ex partner :( Would i be better taking out a loan for the amount so that once there paid they will be removed after 60 days. But it shows me having a loan of £3,500 Or…
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BT Sport & Cancelling DD
What affect will it have on my credit report? Some info, I rang two months ago, gave 30 days notice, was told my final bill would be March 13th and services termintated from then on and that I would get a letter confirming cancellation. Billed me again April 13th, rang them, ever so sorry, something technical must have…
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Impact of a default.
Does the impact of a default on your credit files diminish over time? Or is it as bad as the day it went on. Is a default any better paid or settled on your files?
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Default on file - I wasn't then 18
Hello all, Not sure what to do, I have a default that's due to drop off in a year from a store credit account that I "opened" in 2008; I did not actually turn 18 until 2010. I did not misinform them of my age at the time nor at the time did I know that I couldn't hold a financial agreement until I was 18. My DOB and all…