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Got a notice on my credit file, Gone Away, stating I had moved and had not notified
United Utilities, put a gone away notice on my file, for a bill I did not pay at my old address. stating I had moved and not gave a forwarding address. When in fact, as soon as I moved the estate agents who run this property, told them I was the new tenant in this apartment. Which can be proven as I moved in December 2014…
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Credit File CCJ
Hello, I have a CCJ showing on my credit file from May 2014. The CCJ relates to personal claim for a car accident which I was not involved in. Last year I received a court letter saying a claim had been registered against me for a car accident which occurred in my street. I was not involved in the said car accident and the…
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Expired and Satisfied CCJ's
Hi there, I have an expired and satisfied CCJ for £1600. It was satisfied in 2011 and expired earlier this year. I have been saving for years and now have enough to put a deposit down. I have had an in principle mortgage offer too. My credit score is 990 out of 999. My question and worry is what if they ask the question…
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Private car parking
Hi, a while back I got a car parking fine, from my place of work (a hospital) for parking in the wrong place. I ignored this and subsequent letters, thinking as discussed on this forum, they couldn't do anything and had no real rights. I then got a letter from a debt recovery agency, I sent them the letter downloaded and…
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same details on differen files?
Hi, I got refused for a credit card a couple of months back, however it doesn't show up on my equifax report. I would like to see if it is on my experian report however i used their free trial a couple of years ago for our mortgage application and so now they want to charge me £14.99 to sign up again which i refuse to pay.…
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Arranged Payment vs. Default
Hi, To start off, I am in a DMP with step-change. I became ill, lost my job and moved back in with parents. Starting the DMP put my credit card into default and my overdraft into arranged payments. Now my credit file shows AR and Late Payments up to 6 months on my former current account. I know defaults are removed after 6…
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credit limit affecting my credit score
My credit score was in fair for almost six months and showed no signs of improving or decreasing. It just sat there at the same score. So I followed some advice and took out a credit card to try and improve this. I was offered a limit of £1,200 but was adamant I didn't need that much and told them I didn't want a limit of…
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SKODA/VW Car Lease issue - Late Payment?
Hello guys, I was wondering if anybody could help me with my current situation if possible? In February me and my partner wanted to get a new family car. We owned the current one outright but wanted something new and more reliable. We looked at various finance and leasing offers and settled on one with SKODA. Everything…
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Letter or template regarding a default?
Hi guys I'm in need of a letter or letter template , my letter writing is terrible and I don't want to put anything down which isn't going to help my case !, I'm enquiring to sainsburys regarding a default I disagree with I contacted there customer service team and they said they are unable to locate my account or any…
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Will reducing my overdraft affect my credit?
Hi all, I am almost a bit embarrassed to ask this but here goes! When I went to uni, I opened a student account with an arranged overdraft. I think it started off as £800 and then they increased it to £1000. I want to clear this overdraft and it'd help if I could reduce it by half (I'd obviously pay what I owe first). By…
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RBS mortgage help
I had a joint mortgage in 2007 with a family member, the property was repossessed in March 2009. I want bankrupt in June 2009 and included the mortgage in my bankruptcy so I was no longer liable for it. There was an outstanding balance which the other family member still pays monthly for in an DMP. My credit file stateed I…
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Paying a partially satisfied full and final settlment to remove partial flag
Hi I owed £1072, and in May 2014 I agreed to pay £772 in full and final settlement this brought the balance to zero but meant i had a flag of partially satisfied. At the time I didnt really care I just wanted all my debt gone, however I am not trying to get a mortgage and been told the partial aspect of that may affect it,…
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Mortgage Default on credit file
Hello, I am hoping someone out there can help me. Back in 2006, I had a mortgage with my then partner. The relationship failed and I vacated the property in October 2008. I advised my mortgage company that I was living at a new address and was no longer financially paying towards the property. I asked them to duplicate any…
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Who are DFC
Hi, does anyone one who Debit Finance are. I used to pay my gym membership via this company. I decided to cancel my membership. I e mailed the gym and cancelled the DD but two days after the usual payment date I got a text message from them saying my DD was late and I would incur a late payment. I have e mailed them and…
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Default, is it my fault? Can it be removed?
I once had a lot of debt and a lot of issues that I couldn't resolve with the individual lenders. I was forced to use a debt management company just to get the interest stopped. All the debts are now clear/satisfied but I still have two defaults showing on credit report. I was paying the DMC every month and they were…
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Bank asking me to send a copy of my credit report?
Hi all, I am disputing a default that was put on my credit file much later than I feel it should have been. I wrote to Halifax asking them to consider changing the date and Lloyds have written back asking me to send them my credit file. I just wanted to check whether sending it them could cause any issues? I am not too…
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Will checking the file ignite the creditors
Hi Unfortunately my husband accrued some debt approximately 10 years ago. We are almost positive that the last contact about the debt or acknowledgement of it was just over 6 years ago. He's quite good and burying his head in the sand but I want to find out if he has any CCJ's. Would him conducting a file check with…
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Credit rating 861 - need help with credit card limit!!
Hi all, i've just completed my first ever credit score check with Experian as i'm thinking about applying for a mortgage. I had 861 which puts me in the 'fair' bracket, just 20 points off 'good.' There are 3 'negatives' pulling me down according to Experian, 2 of which are related as they refer to the low age of my credit…
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Trying to fix my credit
So as par for the course - I have poor credit. I am trying to build it back up and have a 2 yera plan to achieve not only a deposit but also some extra cash to go to Florida and also buy a car for a few thousand. I have some real horror stories on my credit file - CCJ - £2770 2 x Defaults (which are old student debt which…
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How will my credit file affect my mortgage options?
Can anyone give me some advice please. I have around £19,000 available to me on credit cards and overdrafts ( 2 overdrafts with same bank and 6 cards) I currently use about £11,000 of this and over the past 6 months have met all the min payments plus made extra payments each month depending on what I have spare. I am…