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Found 87 results

  1. Just been trying for 2 hrs to get my credit report from Equifax after filling in on-line form. After spending time inputting all the information there form wont recognise your credit card number. Try it several times and waste 1 hour still wont accept it. Next spend 30 minutes trying to find contact phone number on site non available. get contact phone number from Saynoto0870 By tne way its 0800 0665825 But you need to understand Hindustani. Spend 15 minutes telling him website doesn't work and him checking god knows what. He then says he can take application over phone GREAT No he wants to make additional charge for taking it over the phone. fee is set by law at £2 so I refuse. Isn't wonderful how easy the government makes these processes.
  2. Does anyone know any loan companys that only use equifax for there credit checks please? Thanks in advance
  3. Hi all. It's my first time to post a thread and I am hoping that you can help me out with my problem. In January 2008, I took out a £3361 loan from Welcome finance, that included the fess and interests. And in June 2008, I lost my job and I was unable to pay the repayments. Recently, I checked my experian report and the balance now is £8500 and it is still not in default. All I can see are the red 6666666666666 from 2008. I know that when a credit agreement is defaulted or settled, it will drop off from the credit file after 6 years. But now I'm confused because my loan wasn't settled or defaulted so I'm confused when will it come off from my file. Also, last year CRA contacted me about this loan for a balance of £4500. So I'm thinking, if it has been sold to a third party, it should have been in default and welcome finance shouldn't be updating my credit file every month for another red 6 as they don't own the debt anymore. Am I right or am I wrong? I'm totally confused
  4. I have been getting a great deal of advice from these forums and this is my first post as I have encountered something that I have not seen mentioned here before. In order to see my "comprehensive" credit report signed up for this "30 day free trial" with fraudlock.co.uk after seeing them advertised on moneysupermarket.com and only after signing up does it become apparent that all they actually offer is a link to Equifax, and you have to sign up again there. I immediately tried to cancel the account without signing up to Equifax. I have tried to cancel five times by email and twice using their online contact form, but have not been contacted back and the account has not been cancelled. I have also called three times and "receptionists" answer claiming that there is nobody that I can speak to and nobody that can cancel the account or look into the matter. One of these receptionists was extremely rude and slammed the phone down on me. I have had no reply to my messages and no callback as promised. I now have to cancel my debit card so that this dubious company cannot try and take money from my account. Be very wary about signing up to a free trial with this company. They are not what they appear to be. What bothers me the most about this company is that the operate under the name of Fraudlock, yet seem to be fraudsters.:mad2: Has anyone else had experience with this company and is there any way to get this account cancelled?
  5. Hello everyone, hope your all well prepared for Xmas Loving this site, getting help over on another thead at the moment regarding reclaiming by CC charges which I would have no idea how to do if it wasn't for the kind help of people on here. I checked my Equifax report time, first time ever, and I have a few issues I need to deal with. I have a default from Lowell Portfolio. Problem is I have never heard of them or dealt with them! I Googled them and found they are a debt collection company, but I really dont know which debt they are collecting..... I have had letters from numerous debt companies over the years which I binned as I always tried to deal with the company I owed money to, not the debt companies. So, with me having no clue what this relates too, and a big red mark and default on my credit file, is their any way I can find out what its all about or even get this account removed from my credit report. In all honesty im shocked this is on my report and want it gone - will attach picture in next post. As always, any help is greatly appreciated. Thanks Imogenx
  6. First of all, amazing site, was so happy to have found it and a glimmer of light to my miserable problems with Barclaycard. Recently requested my credit report from checkmyfile and have quite a few problems relating to defaults/late payments with Barclaycard. The problem lies with a combination of me moving house and then direct debit being cancelled at the same time, hence Barclaycard not getting paid for months on end which I was not aware of. I only found out about the problem when Barclaycard took the outstanding amount in full (plus lots and lots of fees) directly from my Barclays bank account. Therefore the debt was cleared in full including all fees. Im now trying to tidy up my credit report as im desperate to get a mortgage but have got no chance with all these late payment markers all over my file. What I wanted to know was if there was any way I could ask Barclaycard to remove the defaults/late payment marks on my credit file. I know they probably wont do it just out of goodwill, but could they be removed as part of a reclaim of credit card charges? Just checked my statements and every month the balance was outstanding I had: Late payment charge £12.00 Over credit limit charge £12.00 These charges were applied from statements October 2008 to March 2010 – so the charges alone came to £432. The account is still showing is open on the credit report as for the last 8 months under Barclaycard its showing as green. I will call Barclaycard tomorrow and ask them to update my address details to my new address. Very confused as I read a lot about things changing regarding reclaims to bank accounts. Hence im not really sure if I could reclaim these charges, and if as a consequence of reclaiming the charges I could get the late payment markers removed. Any help will be greatly received.
  7. I am new. I recently applied for my credit file. There was only 1 agreement on my file under "Credit Agreements" The Company is, Shop Direct Finance Company Ltd. The details are as follows; Name Mr (CORRECT) Date of Birth (CORRECT) Terms 0 @ £ 0 (Monthly) Status Settled Current Balance £ 0 Start Balance £ 0 Credit Limit £ 0 Default /Delinquent Balance £ 0 Start Date 22/12/2001 Date Updated 06/10/2009 Date Last Delinquent N/A Date Satisfied 26/09/2009 Payment History - There is nothing whatsoever, except in September 2009, a Green Square for Settled. There is no other financial history regarding payments. I do not have any other financial commitments / information on my credit report. I am positive that I opened this account in 2001 (unsure if it was accepted or declined), however I know I never used the account (It was for my mother who already had her own catalogue), however; 1.Does this account having no credit limit, opened in 2001 and no payment history until it was closed with Settled, mean anything? The start Balance was £0 and ending Balance £0. 2. It states satisfied as the same date as settled. - Does settled not mean a bad thing? Can anyone provide their views/opinions? 3. Why after 8 years have they decided to put this on my file? 4. In terms of things appearing on your credit file, nothing was signed. I am sure this was via telephone - can someone advise me on the legal status of this information being legally allowed to appear on my file considering they have no actual signed credit agreement and no purchase etc. The response from Equifax was "This account is appearing as settled with no negative information. Credit agreement information remains on your Credit Report for six years from the date that the account was settled or defaulted, whichever occurs first." Naturally, I do not believe a word they say, hence the reason for asking you brilliant people. Thanks, Div
  8. Hi, When a credit card company for example, register a debt with a credit reference agency they surely have to prove in a legal fashion that a debt actually exists. I assume that the credit card company could not register a debt without proof as they could claim anyone has a debt without it. As far as I'm aware the only legal document that proves the existence of a debt is a CCA that was signed at the time of opening the account. Could I not challenge Experian to prove that a CCA was produced in order to prove that I owe what they sat I owe? Can this be done by a Statutory access request? Any help is most appreciated.
  9. Hi, I have an issue with T-Mobile I'm trying to sort out and I'd appreciate some advice. First to the background... apologies for the lengthy post and the sizeable images, but I wanted to provide as much info as I can. A few years back I had a contract with T-Mobile with phones for both my wife and I on the contract. I was the sole account holder. During a girls' break abroad in 2006, my wife used her mobile to send texts to myself and our children - unknowingly racking up a hefty bill, as T-Mobile charged connection fees per text. After trying to come to an arrangement to repay with T-Mobile, they eventually defaulted the account and passed it to a DCA and I began to repay them at an agreed rate per month. Everything was fine until October last month when the DCA stopped taking their regular standing order payment. Not wanting to be a non-payer, I tried to send payments manually but after a few days the payment would reappear back in my bank account - clearly the DCA was no longer collecting the account. I contacted T-Mobile support (almost impossible!) via email and Twitter, only to be told that as the account had been passed to a DCA, they weren't able to accept payment on the account and I would have to deal with them. I had lost all record of who the DCA was, and asked them who was administering the account - they couldn't tell me which DCA was assigned my account. So I was stuck in the position of wanting to repay my debt, but having no-one to pay it to. T-Mobile wouldn't take my money, nor would it seem the DCA, whoever they were. After a few months of trying, I gave up, and the DCA hadn't bothered trying to get in touch re: non-payment. I figured that after almost 12 months and no contact that it was a dead account. Last month, I tried again with T-Mobile and the DCA with similar results, so I wrote to T-Mobile's CEO asking if he would expunge the remaining balance and consider removing the default as a gesture of goodwill in light of the hassles I had had. He agreed to the former, but not to the latter. So fast forward to today and I'm checking my monthly credit reports through Equifax and Call Credit (Annualcreditreport) and I notice that T-Mobile have indeed marked the default as settled. HOWEVER, they have also wiped all history of the debt between the original default date (Dec' 06) and the date of settling the default (July '11), alleging the account entered default in Sept '10 after a period of arrears - this is clearly not true! I've screengrabbed my credit report from last month and this month to illustrate. Accout as it was 4/7/11.. Account history, according to Annualcreditreport... Account as it shows today... I've opened a dispute with Equifax stating the above information and that the information recorded is inaccurate .. I wondered if there was anything else I can do? Surely T-Mobile can't doctor previous information in this manner to paint an erroneous picture of the behaviour of my account?
  10. Hi all, I have just bought my credit report at Equifax and found I have a default from Aug 2005 with CABOT FINANCIAL, it says Credit Card from Cabot Financial (Uk)ltd, it also says a balance of £1800+. I have no idea what this could be and nothing relates to the account no. have put a dispute in with Equifax but dont hold much hope of any sense from them. I would have thought that they would be asking me for it if I owed them £1800 but have never heard of them or the account. Can anyone help thanks
  11. I have just got a credit report from Equifax and in the section for linked addresses fro credit agreements is an account from Virgin media at my address which I left in 1996 stating a balance of £39 and "up to date" it shows a start date of 1991 and is still being updated on a monthly basis. I asked Equifax to remove it via their raise a dispute onilne service as the account has been dormant for over 15 years and any debt would be statute barred, this is the response from VM when EQ got in touch. Response (Administrator) 09/03/2011 03.33 PM Portfolio Number:34350542 Please be advised the current balanc eto show zero however it should so as defauklt balance still.This would remain on the file as defaulted however due to the age of debt we would not chase this amount but if customer would require services again then payment would be required first. Got a letter from EQ today basically saying financial information appearing in your name at this address cannot remove it, stays on report 6 years after settled or defaulted. Does this mean that despite the fact that this account is at least 15 years old and no transactions have taken place for at least 15 years they can still keep it on my file?
  12. Hi Short posts, simple answer I guess too. I have a CCJ. I have got it set-aside from the courts, and have the paperwork to go with it. What do I need to do now? will the CCJ just go away, or do I need to do something about it? thanks
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