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Found 19 results

  1. I took a telephone contract out in 2015 and had issues with the provider from the onset and entered into a dispute which lasted several years before finally taking my case to the ombudsman which I won and the provider was deemed to have mis-sold the contract. All adverse on my credit file was wiped clean. The provider also accused me of face to face category six fraud and entered my details onto the National Fraud Database which has caused me untold grief and countless sleepless nights amongst other hardships. This is not dealt with by the Ombudsman services and was made clear by the Omb
  2. Hi, one and all! On 4th August 2018 my husband was shopping in your [local] store. He hadbeen a regular and loyal customer for many years. He was approached by a security guard who we were actually quite friendly with when he was about to pay for 4 items, and handed a “letter”. Security guard then simply stated “you're excluded from this store, it's all explained in the letter”. It was NOT explained in the letter and no explanation was given. All that was written was an incident number and a date. As I have said, he has been a loyal customer. As a qualified St. JAmbulanc
  3. Hello everyone I’m looking to get some help if possible please my partner recently applied to open a new HSBC bank account for the cash incentive via the online system. The account she applied for some reason was declined but then instantly offered a standard basic account instead which she accepted and the card and pin arrived a few days later. The following week another letter arrived in a large envelope again from hsbc this time stating they had now closed the account without warning or notice due to not meeting the banks criteria. Strange but ok fair enough she’s not wanted as a custo
  4. Hi Guys Despite my constant attempts to get APS Overdraft to 1. Supply me with evidence of the debt and 2. Mark it as default or in dispute They are constantly updating the report with a 6 marker but no default. The account shows no payment since March 2016 and hit 6 in Sept 2016. The message on the credit reports states; "agreed repayments are more than 3 months behind but you have agreed new repayments with the lender" which is total BS as I have never acknowledged the debt as it is not mine. My last letter to Equifax stated; Dear sirs This accoun
  5. 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
  6. Hi, I have read quite a few stories on here which has helped me in writing a formal complaint letter to the CEO Les Matheson and also CC'd to Customer Complaints but i have a funny feeling I am going to have to take my case to court. My story is below.. (I can email my letter that i have already sent to the bank to anyone who is willing to give me some advice or post the contents on the board if needed.) Story: In 2014 3 different cheques of £4,000 odd were paid into my NatWest account. They all was sent back to me at my home address where the bank had let me kn
  7. My Clearscore report has updated today and I have noticed that a marker is placed if a minimum payment is made on one of my credit cards. Is this information given to banks etc if they perform a credit search and does it have a negative effect on how I am scored?
  8. I have contacted the credit reference agency Noddle (CallCredit) twice about credit card lenders incorrectly placing a Minimum Payment Marker on my credit report with them. The lenders are Co-op Bank and Aqua. I have made payments that were marginally above (e.g. £1) the minimum payment with both lenders. I filed a dispute with Noddle. Both lenders have refused to correct the data. When contacting both, they both deny responsibility and say that they have no control over how Noddle displays the data. Co-op Bank even said that this means that I didn't make a full payment but mad
  9. Good Morning CAG Been good of late trying to rebuild my file when out of the woodwork , boom someone has the idea to trip you up and back down goes your score. Back around 2006, had an account of cheqeue cashing with a PB, i had a few financial issues and blah blah. I was mentally unwell at the time and I am fairly certain I was issued with a default in around 2008 but not entirely sure, the period of my metal instability. No payments made since then , no contact. On having something turned down I was certain I would get, I checked my file this week and a late payment entry has be
  10. Hi All, Need some advice, I'm contesting a Cat 6 CIFAS marker on my file by NatWest History In 2012, i was the victim of fraud, which involved fraudulent cheques being paid into my account, then cashed out. I contested this fraud to Natwest, however they rejected my appeal; I escalated this to the Financial Ombudsman, however they sided with Natwest. Now I tried apply for a credit card with my bank (Barclays) but was turned down; this prompted me to investigate (currently have a Credit Expert score of 991 and earn £50k+) as I should have met the criteria
  11. Hi I have recently noticed that there is a late payment marker on my credit file from EE/Tmobile, dated September 2011. The account is still open, as I am still a customer of theirs. Does this mean that the late payment will continue to show, until I close the account + 6 years after? Or will the late payment disappear in September 2017, despite the account remaining open? Will this have a negative impact of my credit files / application for a mortgage when I am in a position to apply for a mortgage? Thank you for reading, Abby
  12. hi guys this is quite long winded so please bear with me ,thanks myself and my partner have been orange mobile contract customer for 15 years we had great service up to now my partner changed jobs in august 2014 and was paid diffrent time monthly ,so he phone orange up to change payments dates when our direct debit comes out the orange advicer said we couldnt do that but advised us to cancel direct debit and pay using our debit card for couple months then set up new direct debit with new payment date which we did now im aware our new month on our mobile contracts start on 8th
  13. Hey guys, I bought an item from Very.co.uk a few months back on 0% interest for 12 months. Everything was fine until i checked my credit score the other day and realised i had a late marker against my name. it turns out i owed them £3.95 for the postage on the item i had ordered. I would have just paid it at checkout as £3.95 isnt a big deal and i generally just use Very for larger purchase and to spread the cost (I always have enough money in my bank to cover the full amount if needs be) it was really unclear on my online statement that the £3.95 was due and im about to
  14. Good Morning, I am just after some advise in regards to late payment markers which my previous mobile phone provider Orange/EE placed upon my credit report. I have had numerous late payment marks placed due to me refusing to set up a direct debit with them as they on 3 occasions took incorrect payments from my account which then took them 2 weeks after being informed to refund to my account, they also cut me off on numerous occasions even though the full amount had been paid on the bill. On a few occasions I missed the payment date by 7-14 days due to being away on b
  15. kmiah786

    CIFAS Marker

    Hi, Few months ago I was a victim of fraud, nothing was taken but a fake application was made to Vanquis for a credit card. Now I have a CIFAS marker: Type: ID Fraud (pers credit card) Please can someone let me know how I can get this removed
  16. My partner had a loan with Barclays years ago. It went into default in March 2008 (after we tried and failed to negotiate a payment plan with them). Default balance was just over £2000, and we agreed and paid a full and final settlement amount of £1000 in August 2008. This was on the grounds that they marked the loan as fully satisfied against her credit records, which it appears to have been. But the default marker from March 2008 still remains on there. It hasn't been an issue, until now - we are starting to apply for mortgages and rechecking her credit
  17. Hi All, Back in 2008 my Natwest account was overdrawn by about £5 unarranged and the payment was returned I was slapped with a £28 fee which I disputed and stopped making any payment into the said account , for the next 12 months Natwest tried to take the £28 payment from my account each month and seeing as there is no money there, another charge of £28 was being added each month until about the 5th month when the account was about £ 336 in debit. in between I made 2 payments of about £120 before I eventually gave em a call and told them I will pay the
  18. How detrimental is a single late payment marker? Got one just recently and I gather they stay on the CRFs for 4, 5 sometimes 6 years?
  19. Hi I was wondering if someone could advise me on an issue i'm having with Barclays bank Recently I got a copy of my credit file due to trying to get a mortgage, the first company I used was Equifax and everything seemed fine Then someone recommended checking it with Experian which I did and discovered that Barclays had recently given me a late payment marker on my account which had been dormant for since September 2009 I went to Barclays to enquire about this as was unsure where it had come from as the account had previously been dormant for over 3 years. They have adv
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