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Closed Credit Cards
Morning all Just a couple of quick questions; I have cancelled one credit card two months ago, and cancelled another last month. How long will these remain on my Noddle credit report? I am now left with two credit cards, combined limit of £5.5k, I hardly touch one (just for the annual holiday as it has a credit limit of…
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Pre-Arranged Late Payment
Hi, I have two credit cards (Barclaycard and Tesco) which I have always kept up to date with. Recently I started a new job which took me from monthly to weekly pay and in order to better budget I asked them if I could delay the payments by 4 days which they agreed to. What both companies also said, is that because the DD…
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One debt, 2 defaults HELP...
I wonder if anyone can advise me on this. I recently ordered my credit file and found the below. I have 2 defaults for the same debt on my report:mad::mad:. I don think this is right. How can I have them removed? Are barclays allowed to sell my debt on? I have moved around a bit and cant remember if I told them I have…
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I need to get a credit report, dont have a bank card
Hi All I am currently £30k in debt and have been for 3 years. I finally contacted step change debt charity yesterday and have an appointment with an adviser in 2 weeks. I need to get credit report's ready for my appointment, however I cannot obtain any of these free credit report's I need to input my bank card details so…
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Can a debt collection agency reapply a 6 year old loan to my credit report?
I counter signed a secured loan for a family member in 2008 with Blackhorse. The loan fell off my credit report in July of this year as it was over 6 years old. Blackhorse sold the loan to Hillisden security, who have now reapplied the debt onto my credit file!! By law can the same debt be applied to my credit file twice?…
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Paid a fortune for Experian credit score - now free???
Hi there I have looked through the threads but haven't found what I'm looking for. I do apologies if I've overlooked something and have created a duplicate thread... A few years ago I decided to make a conscious effort in improving mine and my husband's credit scores. I set up a little spreadsheet and monitored our…
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Experian Credit Report VISA Card Details
Have you ever completed the membership activation page and not received youPIN Number? Well you are entitled to a full refund if you call the cancelation line,more importantly a member of staff has been caught entering your membership page, entering their own card details and processing your refund to their owncard and…
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Unpaid Mobile Contract - Pls Advice
I was in UK for about 4 years as a student and left the UK in 2008 as my visa expired. When leaving I took a several mobile phones and laptops on contract basis to give them as gifts to my friends and relatives. I did not pay a single installment. (I am very disappointing about this now and I had not money left at that…
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Santander closing my account through THEIR ERROR
Greetings. Long time reader and first time poster here. As you may have noticed from the title, Santander have decided to close my account due to an error they made more than four years ago. A bit of background first - I defaulted on £100 in my Santander account back in 2010 which was settled after around 3 months. I have…
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Electoral Role Red on my Credit Report
Hi everyone, Im after a little help on this. I checked my credit score a couple of weeks ago (£2 statutory report) as was curious. had a bit of debt problems in the previous years and starting to now get back on my feet. I decided to check my report and all showing green which was great but there was only the Electoral…
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paid within 28 days but decree on credit file
I had an unfortunate event where i required the services of a solicitor and was unlucky enough to get basil faulty of the solicitors world. His service was at best unprofessional - in fact thats to diplomatic - he was dreadful and failed to do his job and billed me double what he quoted - i disputed the bill - he took me…
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Omg - default registered on my credit file - is this alowed?
Hi guys, please help - i'll try and keep it short, Just checked my credit file and there is a default on there marked by Marlin Financial Services for £2,170 updated 1st September 2014. Status - default. In the details, it states 'date of default - 16.12.2010' which is correct. Let me explain: I had an HSBC credit card in…
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How can I "pass" on an electronic identity check?
I have been registering power of attorney with a variety of financial institutions, for my mother, and almost every time they write to me requesting a range of documentation to prove my identity (not credit worthiness, but don't know which other forum to post this on - please feel free to move it if necessary). When I…
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How quickly will my credit score improve?
Hello all, I have a really bad credit score of 335. Got myself into a pickle a few years back and have about 10 defaults and 1 CCJ on my credit report, all of which are now satisfied. I've gotten myself a credit card, I've paid it off in full every month and have had the credit limit increased on three occassions and am in…
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Effect of debt at immigration
Dear All, I am not a UK citizen. I left the UK in November 2008 since my visa expired and could not find a way to extend it. By the time I left there was balance in credit card, bank overdraft and mobile phone contract which I could not settle as I had no money left with all the expenses had while moving. Now I want to…
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Joint liability refused by HSBC on credit card
Can anyone advice on how to procure my deposit back - deposit paid by Credit Card for a new car. My bank has refused to help and say that under Section 75 I have to provide them with evidence. I have repeated informed the bank that I paid the deposit on verbal assurance that I had 14 day cooling off period. Can anyone tell…
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Default from Orange - never used them!
I am trying to sort my credit report and there is a default showing which is really bugging me. It is with Capquest for a value of £132. After calling Capquest they told me it was for a mobile broadband dongle, gave me the account number and said balance still owing. So I e-mailed Orange asking the following: Their reply…
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Obtaining credit files
Right, so, for the first time in years I will be debt free (phenominal amount of debt) at the end of the month. Although I/we (husband and myself) have no late payments or CCJs etc we want to get our credit files in order, as I still have a joint bank account with my ex husband (divorced years ago and only I use it and…
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Current account & credit card not reported at all 3 credit reference agencies
Hello all I'd like to obtain your advice, particularly if you're a mortgage broker (as we plan to apply for a new mortgage at some point in 2015), on whether or not we should ask HSBC to report my wife's current account & credit card details and history to Experian, Equifax & Callcredit as they are both currently missing…
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Really confused
I went through bankruptcy six years ago. I've finally started the process of re-building my credit file. I had a "good" credit rating with experian (it was 900 and something). Last month I applied and was accepted for a Barclaycard, one of those credit building ones with an eye watering APR. We are using it once a month to…