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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Your good advice please. I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired. I suspected this could be nearing SB I checked my credit file and discovered that there is no information about this account on my file prior to May this year! As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other? Who’s responsibility is it to insure the information on a credit file is accurate and up to date? Would the OC r
  3. Hi, I have received a letter from Lantern requesting payment for loans I took out years ago. The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years. I think I defaulted on most of them six years ago that's why they are not on my credit record. Lantern have called me on my work mobile number once recently, ( within the last two weeks) and I refused to answer security questions because I was not sure who I was speaking to. But they did say they where formerly MMF. I do not wish to engage with Lantern, what s
  4. Hi all, On my Noddle Credit File, I have an entry from Wonga.com. with an opening balance of £704 in 2014. I have never ever used Wonga. It does say Settled, but not without some adverse credit scoring Apr - UC, Jul - 1, Aug - 2, Sep - 3, Oct - 4, Nov - 5, Dec UC. What is this, where has it come from. I haven't made any payments to them ever. Is this still affecting my credit file? Thanks
  5. I am looking for some advice regarding removal of Arrangement to Pay markers and a default from my credit report. I have an outstanding balance of £3486.90 with Link Financial who took on the account from Barclaycard in February 2015. Barclaycard applied markers to my credit report from April 11 to February 15 when they marked the account as settled, following an SAR it doesn't appear the account was ever formally defaulted. I was on a DMP until recently when I sent a section 78 request to Link and stopped paying. They did not comply with the request and subsequently issued
  6. HI I have both my Gas and Elec accounts with N Power. I have been with NPower for almost 10-11 years. Quite some time ago I fell into arrears with both accounts so went onto pre-pay and started to pay for usage and payback on the meters. I have recently checked my file, there is 2 things that dont add up. no.1 the start date on both files are wrong. The 1st 3 years the accounts were held in my company name as the house was being used for business. It seems that they have moved the accounts over onto my personal name after the company went bust. I have questioned t
  7. The purpose of this thread is to initiate a discussion with fellow eToro customers to examine the possibility of bringing a class action lawsuit against eToro, with the aim of recovering all the money lost on missold products. eToro encouraged thousands of inexperienced customers to bet their money on risky Contracts for Differences (CFDs). I argue that eToro negligently failed to ensure that customers properly understood the risks involved. The majority of these customers would not have put their money at risk if they had been properly informed by eToro. I submit that eToro is guilt
  8. Me again, So out of the blue SLL Capital have put a default on my credit file for a Mr Lender Loan from 2016 that i never repaid. Can they do that? The Mr Lender loan isn't on my credit file before this I will of course do a irresponsible lending complaint to Mr Lender, is it worth sending a prove it that i owe this debt to SLL Capital?
  9. Hi I set up a Payment Plan with British Gas in September16, following an unexpected huge bill. I have been paying monthly as agreed (£160 fwiw). In Feb BG sent a letter advising my Payments haven't changed. End March BG sent a letter saying I'd missed my monthly payment - and quoted a figure of £600 more than my monthly payment! I immediately wrote stating BG must have made a mistake. I made the normal payment. Then start April BG wrote saying they were cancelling my Plan. I again wrote to complain. BG have failed to reply to both letters.. I did try
  10. I am looking at a mortgage hopefully next year so thought i would give the file a look. Good job i did as its in a right mess. 1. I have a debt of my fathers somehow on there, in my name but showing his date of birth, will this be a problem getting it removed? 2. Several debts with Lowells, which are all past 6 years old but showing recentish default dates, which are NOT the original default dates( shopacheck, vanquis). 3. A couple of debts that didnt default for ages, literally showing as red box with numbers in for 3 years befire a *D* 4. Debts that show as settled, plent
  11. Hi, can anyone tell me if alleged"defaults" from creditors can remain on my equifax file or for that matter any credit reference agency? in my own case.. i have won 2 cases against me alleged to default in 2012 whilst i understand they are going to fall off the file this year... its later in summer.. my query is .. having won my cases, does that not say the dispute was won on an alleged debt.. therefore should not be there?
  12. Hi all, I'm hoping someone can advise, back in October I applied for a loan through Admiral but the application was unsuccessful. My credit score (i use Clearscore) went down this month with a note saying: What changed in July 2018 : Hard Search performed by Admiral Loans for Credit Application The October application is showing the exact same information - why would they simply perform another hard search without my consent? and is there anything i can do about it? Thank you H x
  13. 11 years ago I was taken seriously ill and due to the illness I lost my job and ended up in a financial mess resulting in my house being repossessed. Thankfully my health has stabalised and I'm now starting to get to grips with my financial mess. Having checked my credit reports I noticed Natwest were reporting missed payments each month on two mortgages and a loan and hadn't recorded any of the defaults or CCJ's. I lodged a complaint with Natwest which they upheld due to inaccurate reporting of my credit file when one mortgage and loan had been paid off with a full a final sett
  14. This is an interesting one.... I have an outstanding default from MMF (now lantern – ROFL) for a payday loan last paid in feb 2012 (the loan was paid 10 fold over this was the point i said no more). The default was registered in May so its just due to be dropped off my credit file and statute barred, so I thought it prudent to down load a copy to keep on file. To be honest I haven’t really paid much attention to this one as i had bigger dragons to slay but on printing out the report I have noticed a discrepancy in the reporting with a payment of £1 showing , then disappearing, then
  15. Hello, Going through my credit file and I have on closed accounts with a UC marker, details of an old logbook loan that was paid off 4 years ago, no defaults, no late payments ever. I wonder why it is there. stupidly it was not the only one I ever took out but they were all paid off. Is it normal for these loans to appear on a credit file? Thanks
  16. Hello, Bought a TV from Very.co.uk 06/01/18, statement shows £559 for TV and £6.99 for Delivery Account starts with 1p in credit (from last order) Statement produced 03/02/18 says £5 due 23/02/18 With estimated interest of £0.41 based on payment balance of £6.98 Payment made 21/02/18 of £56.60 by card on the website towards the TV Statement produced 03/03/18 says £7.43 overdue Payment due by 23/03/18 actual interest £0.45 Estimated interest for next time £0.00 Standing order of £56.60 paid 05/03/18 Statement produced 31/03/18 says £0.00 due Shows payment ma
  17. Hello i have a loan with the Co-OP and its not showing on all the 3 credit agencies, its been sold to a DCA however there name is not on either, this happened for anyone else? what would it show under on your credit report? i checked noddle, clear score and experian, cant find it!
  18. Probably a daft question, but can a debt be registered duplicate d as seperate debts/defaults on my credit file... .I have two in question. ..an old lloyds tsb loan which is registered as a lloyds tsb default and elsewhere on my file as a lowells default.... .The second one is barclaycard default which has seperate entries as a barclaycard default and a hoist portfolio default... ..The reason I ask is that it's making my credit file look worse than it actually is (it's still bad though!)
  19. I had a loan via satsuma loans (provident financial ltd) I started to find unaffordable. I did the right thing and rather than paying late I contacted them being honest and setup a payment agreement, which I have stuck to 100% and not missed a single payment since it was setup in may 2017. Despite this and the fact ive made major strides to improve my debt handling and credit record over the last 12 months its still had something dragging it down and ive just found out that its provident financial ltd. The record for them on my credit file is still showing as per the original loan
  20. Hi, I've read a few threads today and found the advice very useful. Just wanted to share my specific case to see what advice can be given. I noticed a CCJ on my credit file through clear score registered at Northampton County Court. Today I rang the court and was advised that it was in relation to a PCN from SIP and Gladstones have taken me to court. The case is regarding 2xPCNs at the start of January 2017 outside of my address in privately rented apartments. On at least 1 of the days in question the ticket machine was out of use (I have a photo showing this - although it
  21. THREAD NOTE: the OP talks of a CCJ this is infact a DEFAULT MARKER ignore the reference to it being a CCJ. dx - siteteam ........................................................... Hi All, the is my forst post on CAG. I have a question, which im hoping the community will be able to advice me on if it is legal, and if not the steps to take to resolve this. 7 and a half years ago, i split with my X wife, which was quite a bitter split. In her wisdom, when we split and put the marital home up for sale, a few weeks later my x wife took the house off the market,
  22. Hi, I'm new around here! Looking for some advice regarding a debt I have with Lowell. In 2013 I left a property I was renting, BT contacted me about a month before I left saying that the new tenants would like to take over the service and wanted to know if I was happy to do this. As I was moving to a shared house, I couldn't take the service with me and agreed. A few months later, I got a bill for £599 from BT for the rest of the service that I had cancelled early. After a few phone calls where they continued to ask me to pay the bill I sent them a letter stating the above inf
  23. Hi Again.... I have a problem that I ought to have dealt with, but have not because I had more pressing issues: 4 sets of serious or urgent litigation that had deadlines, or financial priority: I had and still have a collapsed lung, I sadly have a deceased mother in law, a baby, who ended up in special care, while my wife almost bled to death during an emergency c section, I've bought a new house that the surveyor messed up big time on, I have had 2 new jobs, 2 surgeries and a tumor in my colon. I know they are not excuses for delay, but it has truly been a crap few years and
  24. Please help, First time I received my salary and my outgoings monthly payments are bigger than amount received. I have unsecured loans and pay day loans and this Month I won’t be able to pay 3 of them, I read all the 10 steps but I am still panicking, I have more payments than my salary and I need at least 3 Month to back to "normal" when my paY day loans will be paid in full but this Month and next one I have to stop some payments. Please help and let me know how to go the creditors and what I can ask TO HELP ME, WHAT should I tell them? Can I ask to freeze
  25. Hi, In September 2017 I lodged an Irresponsible Lending Claim with PDUK, who made an offer of £2,600 to settle the claim. I accepted this offer on the condition that all loans that were deemed to irresponsibly lent were removed from my credit file. They confirmed via email: Thank you for your email on XX January. In response to your query, I can confirm upon receiving your signed acceptance your credit file will be amended to remove the loans we have deemed to be irresponsibly lent to you. We can accept your acceptance via email in one of 3 ways. You ca
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