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About Me


Found 18 results

  1. Printed off my credit report last month (Experian) and had the epic 'score' of 580.... Experian emailed me today to say there had been a change on my report. Logged on to see that Southern Water had added a default to the report with a default date of June 2016, no great shakes to be fair because it improved my 'credit' score to 635!!! However, I've not, nor ever have I, received a default notice? What is the MO for these clowns? And why are Experian shockingly inept at processing personal data accurately? Leave it two years for a default to appear on a cr
  2. Can someone explain me why on Experian I am only 73 points to have Excellent (at the moment i am good) AND on Equifax - very poor!!!I have the same info on both files, all correct, no late payments, no CCJ, correct addresses, register to Electoral more than 2 years . I cant understand the logic !!! I want do remortgage and at the moment I don't know what to do . The difference its ridiculous, any ideas why??
  3. Hi everyone, long time since I posted, have been keeping my head down after finding a strategy for my debts and uncooperative/unreasonable/deceitful 'creditors'. my strategy, devised at a time of severe ill health was to work out who didn't have valid agreements and claims and to tell them the facts and to sod off, and those who did have a rightful claim were offered a token sum as F&F. The first group claimed I was wrong, or simply ignored me, and the latter either demanded full settlement or ignored me. Either way, anything arriving after their response to my stat
  4. Hi, I don't know if anyone is able to give me any advice. Three or four years ago I had some financial troubles. Recently I decided to get my head out of the sand and I ordered copies of my credit files. I have found that in addition to the actual accounts that have been defaulted (bank account and storecard etc) Lowell Financial have also added their own default. The main question that I have is can Lowell do this? I was intending to try and pay back as many companies as I could, but I object to paying two people for the same debt. In addition t
  5. Hi guys. Just a quick one. I recently done a fresh install of an old Dell Inspiron 1545 Laptop. I had a problem installing Drivers from Dell (Ethernet and Wireless Drivers). I have managed to eventually get them done and can access the internet. The problem I am having now is, if I download anything and try to install the program, It won't start. Even in elevated mode. The main issue I am having is updating SM bus Controller. I have tried a fresh download, and tried using Update Driver through Device Manager. Any help is appreciated.
  6. this could be a very stupid questions but I notice on my CRA files some loans/debts show as settled whilst others show as satisfied. Which is better? I ask as I have an aqua card debt I need to pay and want to request a full and final settlement figure but part of my request is also asking that the debt be shown as nothing else owing on it.
  7. Hi, I have gotten copies of my credit files and I agree with most of what is on there. However, there is a debt which is currently owned by Lowell for a telecoms bill. The bill was for 02. I ordered a phone several years back and there was a problem with the delivery, it ended up going back to 02 and I cancelled the order as I thought the service was rubbish. I got a phone from tmobile instead. So I have just found a Lowell debt for nearly £1200 on my credit files. Can I complain to Equifax etc? As I never had the phone it would not have been used and the
  8. Just under 2 years ago my Barclaycard went to Mercers, and I received a default notice on Mercers headed paper. The account was then transferred back to Barclaycard. I've been trying to keep up with the reduced payments (£50+ per month) they then agreed with no interest, but having been back to CCCS with my current situation they advise a £1 token payment at present. Things are due to improve once priority debts are paid off but this will take about 12 months, and I am now on a payscale ladder so things will improve next year. Barclaycard have refused this offer and their previ
  9. Parents who default on child maintenance payments face being turned down for mortgages and credit cards under new government plans. From March 2015, information from parents' payment records in England, Scotland and Wales could be shared with credit reference agencies. Financial organisations would then use this data to decide whether or not they want to offer someone credit. The record of a missed payment won’t appear on a credit record until a liability order is made against them.
  10. A friend received an email that their loan was being written off as per their new lending criteria. They received the following info in their email : What happens next We will automatically clear any outstanding debt you have with us and your balance will be set to zero. This will be done by the end of October 2014. You do not need to do anything. We are working with the relevant credit reference agencies to remove records relating to this loan from your credit report. We expect this will take between three to four weeks to be completed. This will be done automatically an
  11. Have been following the Durkin case, and now have a query: In 2006-2008 HSBC applied excessive bank charges after DWP stopped my DLA payment (in error) but later paid the arrears. I had been very ill and the local branch had said they would be sympathetic as it was not my fault. Charges were inflated to £1315 and although I requested a review as a priority case they started putting DCAs in touch (four of them in all). Eventually I got fed up and issued a MoneyClaimOnline, last month, and have now filed Judgment. The last of the four DCAs also registered the "debt" with CRAs, so I sue
  12. Hi, I have some defaulted debts from which I made the last payment on all of them around July 2007. The defaults were not registered until early 2008. I know these debts are coming up to being statute barred but does anybody know if I can get the defaults removed when the become statute barred in July, or will I have to wait until next year? Thanks Charlie
  13. Hi, I am in the process of trying to tidy my CRA files. having been on a DMP for 7ish years through PayPlan. I have attained most of my information from my creditors through SAR and CCA requests and I have found the majority do not update the CRA files with a true reflection of payments made etc. (I know I shouldn't really be surprised ) I am in the process of reviewing one of my creditors, for whom I did not make any payments from Feb 06 for 5 months, then I started a DMP. This is a great example in that Default Notice and Formal Demands were made after 3 years of being
  14. Hi all, I have numerous debts from when I was previously married a few years ago, I used this site to send different letters (mostly CCAs)to different DCAs nearly all of them have never contacted me since and Ive just left them alone (let sleeping dogs lie!) Im now thinking that a lot of them will be over 6 yrs old and Ive had no contact with them so they may be statute barred. .does a debt that's statute barred still appear on your credit file?or should it be removed? Also if I had a debt and I was given a CCJ over it does that ever go away (if ive never paid it
  15. I have an account with Vodafone and have had for many years, just noticed on my Credit Files that two seperate accounts are showing, both up to date with payments, both updated 01/08/2012. Not sure why 2 accounts are showing.
  16. hello group , i have just uncovered a fraudulent additional loan of £50,000, taken out august 2007 on our joint mortgage of £95.000 taken out july 2007 5years ago , all monies have now been paid of.. with the £50 k loan paid of within six months.. i have spoke to the building society and written in,, i have received four documents of a joint application. .and the signatures are all not mine they all had discrepancies my mobile number last digit changed , all other numbers were of the other owner and so on ,i knew nothing about it till now. .they have tol
  17. Hi, Can anyone advise please? My wife and I are in a lot of debt, unsecured totals £40K. It's made her really ill lately because she has always dealt with the debts and bills but it has taken it's toll and she sees no end I am trying everything to get organised and try and sort this once and for all. I have applied for all of our credit files from the 3 main agencies and I am stunned to see that she has been paying CL Finance every month for a debt that doesn't even show on my credit file. After delving through masses of paperwork and threatening letters I
  18. My problem relates to a very old defunct current account that I once owned with Natwest. It was closed 7+ years ago to my knowledge with full settlement. In recent times whilst trying to secure a mortgage, I have discovered an entry on my credit files from Natwest stating that I have a rolling balance of between £500 and £700 which is defaulting each month. I say between 500 and 700 because the amount changes each month, sometimes up, sometimes down - sometimes even back to £0 and then £500 again the next month. It smacks of a computer error to me. Natwest were first contac
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