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Found 11 results

  1. Hi Everyone A default has effectively just appeared on my credit record. Its for Shop Direct Finance Company LTD Account was opened on 10/10/12. Default showing as registered on 24/10/18 The status history on noddle starts with the default. There is no information going back beyond the date of the default. Ive been paying a DMP through stepchange, and i have 2 payments for Shop Direct Finance Company LTD. Another one, and I assume this one. Although the account numbers and amounts dont match up. So it might be an entirely new one. This seems lik
  2. I was in horrendous debt when my husband left me with all the family debt and bills and no income slowly I managed to work my way out of things and paid off what I could. I took the ensuing years of bad credit rating on the chin and ploughed on watching my credit file with all my statute barred dates marked in my diary, overjoyed when they started dropping off. Suddenly I noticed my credit rating dropping again but couldn't work out why. Today I logged in and saw that with one year to go before SB, Moorcroft have appeared with a defaulted debt Also having lost my
  3. Got a shock today and not sure what I can do apart from raise again with Experian? Old defaulted Next account (from 2010) and passed too Debt Managers which dropped off my credit file a few weeks ago has reappeared this week with a default date of 1.8.16? and crashed my credit file which was recovering.. Now my understanding was it was statue barred as it passed the 6 year rule? What can I do - i raised a query with Experian but I haven't any paper proof prior to it falling off my credit file?
  4. Just had my noodle report and an account for Lending Stream has appeared on my file with the Date of default 28/05/2014 I did use Lending stream back in 2013 but I dont remember having anything outstanding. It might be I opened one just before I moved out but am 100% sure. The thing is all of the accounts from them have the wrong date of birth. My question is this. 1. Should I contact them and pay it off or wait for them to contact me 2. If they have the date wrong do I do anything about that. 3. Its showing as open - will that have any impact on anything? Just to add so
  5. Hi would appreciate any advice if possible. Purchased new mobile with o2 in April 2015. Providers warranty 12 months Manufacturers warranty 24 months Noticed cracked appearing on LCD screen on phone. Spoke to o2 customer services explaining in detail problem and was I covered under my warranty. Told unless there was any physical signs of damage including water damage or tampering then yes it would be. Arranged for item (at my own expense as wanted it tracked) to be sent to o2 repair centre. Well today I received the following replies. Hello, Your ha
  6. Back in 2007 i had taken out a loan with these [problem] artists Just checked my Noddle Report and it has appeared, no default or negative markers but:: Account End date: June 2014 WTF?? Name Mr XXX XXX Address XX XX XXX Date of birth XX/XX/XXXX Account type Advance Against Income
  7. Well its been a while since I have needed any help as I thought I had sorted everything as I have a crystal Credit file (at Last and thanks to the info on this site!!). Now I have just checked my better half Credit file and it has a CCJ registered in her maiden name back in feb 2014 for an amount we both know nothing about! We moved house in 2013, and I had to sort all our Credit files out ensure we could get a mortgage! So I CCA'd etc and checked credit files back in feb 2012 and no paperwork was produced within the time limits letters where sent back stating
  8. Am not sure where to post this Appeared on my facebook a few minutes ago Russell Burton‎ 25 mins · Don`t wait for the debt collection agency or the bailiffs to make there move @ Ca3 we tackle the situation head on and we get results, our service is free to all and always will be ...... ... If your hoping rent a mob or statutory declarations are going to get you out of trouble ? YOUR WRONG ! PLAIN WRONG !! DEAL WITH IT BEFORE IT ENDS UP IN COURT AS YOU WILL LOSE YOUR PROPERTY, a denial of access will not stop a corrupt court system,
  9. Hi All A new default has just appeared on my credit file for a loan from about 9 years ago, as far as we were aware this was a statute barred debt and it had already defaulted years ago. Is there anything we can do?
  10. Over the past year I have been trying to get my Credit back on track. I have applied for my statutory credit reports and all of a sudden I have two entries from BT!? This is what I have - Communications Supplier from Bt Consumer (I) / XXXXXX7122 Terms 0 @ £ 0 (Monthly) Status Defaulted Current Balance £ 75 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 75 Start Date 13/11/2009 Date Updated 22/09/2010 Date Last Delinquent Date Satisfied Default Date 28/07/2010 Secondly - this is for my most recent encounter with them which I cancelled and s
  11. Hello there and congrats on a great website that has helped me loads. Yesterday I had a bailiff turn up who I dealt with by opening the gate to our property and asking him to step outside. As this person has been following me around for the last 5 years turning up like a bad penny about once a year I commented on this and told him he really was a sad little man. Naturally he didnt like that and took my photograph with his mobile phone! I was standing by my gate about to go back in. Can a bailiff do this?
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