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  1. Good Morning everyone, My situation is quite complex so please bear with me and any help and uggestions would be greatly appreciated, i will start with a brief statement as to how this all started 15 years ago and then onto the problems i am now facing. In 2003 i applied to remortgage and take equity from my home, i was turned down, i checked my credit reports to see that i had several defaults and a CCJ from Barclays on my acc, after a few years i managed to get all of this sorted with apology letters from Barclays. In 2013 i was again chased for debts that did not belong
  2. Noddle seem to list normal long term loans under "Short Term" on the basis that the lender provides daily information under a new system called MODA. Is that legitimate ?
  3. Good afternoon. I am back under anew guise. I posted last year about a Minicredit default a £200 that ended up a £1200+ one after non payment. I hate the companies & now the default stands at £522 with Kapama & shows 5 years of non payment on my noddle file but is not present on my Experian or ClearScore files. It's on there till march 2018. Do I let it slide, I've still been getting voicemails from Opos demanding to speak to me (I blocked their numbers so that's their best way of trying to get in touch with me) for all I care they can do 1.
  4. 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
  5. Hi guys and gals, first time post (for a long while). Just created a Noddle account to check if an old CC debt had dropped off (statute barred). One of my two live debts (they have a valid CCA) appears OK with the DCA that has purchased it - paying off monthly with no interest added. Will pay off in another three years or so unless I decide to settle early. Second debt I expected to be there isn't - it's a credit card debt I defaulted on about seven years ago and I've been paying monthly since. I'm 100% sure there's still a debit balance and have no idea why
  6. Well, it's been a while since I've been on here. it was thanks to you guys on CAG that turned my life around in 2005/6 and stopped my stupid spending/credit splurge. I sent the prove it letters to my creditors and that was that. they screamed, shouted and yelled. threatened allsorts, but I stood firm and in the end the debts have fallen off my file. so they can 'nanas for it now. (still get the occasional letter asking me to contact them to discuss payment terms - yeah right) but anyways - hi everyone! I posted this on the Facebook group, and after a few repl
  7. Most of us have heard of Noddle and I would suspect many are members however, another company is now offering free credit reports. https://www.clearscore.com/ This company use Equifax to get your data so generally it will be reliable. When I registered, it never asked me for any credit/debit card details. Just by answering a few questions and that was it. I would suspect that if you haven't lived at your present home for long or not registered with the Electoral Role then you will have issues and you may need to add more data. For me, it was very easy. Have a go, tel
  8. https://www.clearscore.com/?gclid=CI7ZqNXNzscCFUbkwgodrcsM7A Just seen this advertised Seems it is connected some way to carphonewarehouse What is the catch?? Comments people??
  9. Hi , When did Noddle start charging to view adverse info on your Credit Account ? My son has just checked his and it only shows the accounts in credit. He was checking on a Lowell debt that they had bought speculatively from O2 and this isn't listed. Instead you get the option of paying to see what is affecting your credit rating for which you have to pay £20 for a 'premium' account to see what is affecting your credit rating.
  10. Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 yearsicon old earlier this year and was removed from my Noddle account. However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I no
  11. My noddle report is pretty poor as it has 2 defaults on it which are 5 years old (and both currently being disputed). Today I paid the fee and viewed my experian report and that says I have excellent credit and no record of the 2 defaults? I have an old experian report from 2012 and that has one of the defaults on it, but not the other, but now they no longer appear on it. I even called experian to check, and she said there was no active record for them, so they are not part of the credit report. My 2012 report was in the region of ~700, but now it's mid 900's, and even says at the top t
  12. Hi all, Sorry new here but hoping you may be able to help. I have just registered with noodle as had started to receive calls from a company called MKRR. They wanted me to confirm who I was but as I had no idea who they were and so wouldn't confirm anything with them until they confirmed who they were. Unfortunately they are now persistant and a web search revealed they were a debt collection agency yet until i can confirm who they are and what they represent and want I am not comfortable passing their identity confirmation checks!!! Once registered with noodle
  13. Hi all, I have a query relating to my overall score on Noddle. I understand that score can be all but ignored because it has no relevance to financial institutions, but still I wondered if anyone could offer any insight on why my score is what it is: 4/5. Here's an overview of my situation: I have a monthly after-tax income in excess of £2000. I have two credit cards, one with the BoS that isn't used, ever. The other is with Tesco Bank and is used infrequently for modest amounts and always paid off in full each month. I have a loan with Tesco Bank for circa £160/month.
  14. Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to re
  15. ve just registered with Noddle to check my credit file out and couldn't quite believe what I saw. ( I cannot post a picture yet) so I have added a censored version below: Active Securities LTD Address Mark _________ Is A F**king Dead Man Cheshire WE'RE COMING I'm going to hit the "something wrong" button, but surely they shouldn't be able to post stuff like that on there? And just because I''ve got some finacial problems they shouldn't be able to threaten my life. just shows what low life **** were dealing with.
  16. Well you could knock me over with a feather - I've just obtained an Equifax report and credit score as I figured it was time to knuckle down and try to improve my rating and they have me at 968 which they say is excellent. I've been getting the free Noddle report for a while which has always had me as 1 out of 5 and someone who would have difficulty getting credit. I'm not looking for credit right now. I am in a debt management plan, but need to plan for life after this ends. I genuinely thought I would be at the bottom of a credit score, so just don't get it. (I'm not comp
  17. Hello there I wonder if anyone can help with this. I am considering buying a new car in the next month or so, and thought I would check out my noddle report before doing so. I noticed a default on my account in the name of Arvato Financial Solutions LTD T/A Buchanan Clark & Wells. The date of birth is over 20 years out and I don't remember ever having any dealings with this company. I logged it on the noddle site as incorrect today, stating that I don't know what it is. I'm wondering if I should contact this company as well? I have searched for some kind of address f
  18. Hoping someone can advise me please, I went bankrupt back in May 2010 and all of my debts were included but somehow at the same time i also had 2 CCJ against me (those debts though were included in the bankruptcy). The one CCJ is dated though for July 2010 for the amount of £211, whilst checking noddle there is a default on my account now in June 2014 for £211, so I'm presuming it's the same debt (hoist portfolio 2 Ltd) is there anything I can do about this please as I don't want this default on my file especially as all debts were originally included in my bankruptcy also is there anything I
  19. Just noticed that about 15 months ago Moorcroft made a public search with Noddle relating to a debt they were attempting to collect. Are they allowed to do this ? All other such searches are usually invisible. This is very worrying as one could still get such a search even years after the file is clean otherwise.
  20. 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?
  21. Just logged onto Noddle at the Welcome finance Loan entry has vanished. Its been ' 6 payments late' for over 4 years and I've been paying £1 a month. Now its not there (was there last week) its also not on equifax but I think it never was on that one. What do I do?Keep paying? Obviously I will keep paying but its rather odd..... I think it was taken out August 2008 so it wouldn't have dropped off my file yet
  22. Is their any reason why I cannot find my finance from Money Way on my Credit Report from Noddle , the finance was taken out over 1 year ago. ? I'm currently experiencing issues with them which is why am looking into this. thank you craig
  23. Hello All, I know that the Royal Mail needs all our support and I think Noddle get todays star prize. Todays post consisted of 42 yes 42 identical copies of the same letter. Which thankfully, was good news for me as they had removed disputed items from my CRA report and that they would be removed within 7 days, which is really swift for the Noddle team, think they must be worried about something. "EXEMPLO DUCEMUS"
  24. Does there website ever work? I cannot get on it on work pc or my iphone and have tried previous times also ?
  25. Hi I have been a member of the Noddle Credit report site since it started, recently paid £10 to get additional information but for 3 ays now I am able to log onto the site but just get an apology saying they cannot get my report. I have emailed a number of times to ask why but am getting no replies??? Anyone else getting this? It has been a very useful site and feel a little bit disappointed this is happening and getting no replies? Cheers Lorna
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