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    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
    • Must be a positive if the Insurers are now using the legislation as it was intended. It is just that I have not heard of it being used for Car Insurance, as the 22% comes from the Insurers rating calculations, which is not available information to the Policyholder. With Home Insurance, if you Insured a Building for £100k, when it should have been Insured for £122k, it is easier to grasp.   The Insurers would have issued the policy documents clearly showing that no motoring offences had been included within the premium calculation and the OP has had 5 months to correct the record with Insurers before the accident.   Perhaps probe the Insurers on the 22%. Can they provide evidence from their Underwriting rating guidance that this is the extra premium for 2 SP30's.
    • Moorcroft are just a first DCA that Natwest use, after Natwest have stopped chasing it.   The debt is still owned by Natwest and is currently sat with Moorcroft, but in a pile with many thousands of others.   If your new postal address is showing on your credit file, Moorcroft would have sent letters if they thought this was a priority debt to chase.     
    • We signed up to a credit reference agency.  Got an email this morning saying a search had been carried out in my husband’s name.  It’s by Moorcroft who are doing it on behalf of NatWest. Do we worry?  It’s been over 6 years since last payment and we wrote to NatWest in January advising of our new address.  They and Moorcroft both emailed an old email address which we have access to but never use asking us to confirm our address.  We didn’t respond to it.
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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
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      No excuse.
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    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
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Vanquis and Credit Report

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Hi,

 

I recently had a 'lightbulb' moment with regard to my debt.

 

I had been struggling up to a couple of years ago when I got a better job. I got a copy of my credit file and have a score of 415 (not great I know). I have one default, but otherwise all my payments are up to date and on time.

 

I have a credit card with limit of £500, that I never use (this was reduced from £3000 a couple of years ago). I cleared the balance of £300 and changed the payment to clear the full amount each month.

 

I was accepted for a card by Vanquis today, though I'm horrified to be on tier 'E' and have also set the debit to clear the balance each month.

 

If I use both cards regularly and clear the debt promptly each month, how long will it take before my credit score rises and by how much?

 

Thanks in advance for your help.

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Martin Lewis has a good thing on his website all about creidt rates. have a read!


Please sign this petition - Asking for the government to drop the length of time credit ref agencies can hold data on us!!

 

http://petitions.number10.gov.uk/CreditRA/

 

:smile::p:rolleyes:

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CANCEL YOUR PROVIDENT ACCOUNT IMMEDIATELY AND APPLY FOR A CAPITAL ONE CLASSIC INSTEAD!!!

 

Please see my thread http://www.consumeractiongroup.co.uk/forum/general-debt-issues/214459-vanquis-bank-increased-apr.html

 

They'll lull you into a false sense of security by giving you a gold card and big limit, lie to you about the APR when you spend on it thinking you won't pay much interest, and then screw you over by claiming they're in the right as the APR is "Variable".

 

Absolute sick bunch of cowboys, they really are!

 

If you want to build your credit score, leave things as they are. You say you have a credit card open already, and no doubt you have a bank account? Does it appear on your report?

 

If not, open a Barclays Cashcard account or Co-Operative Cashminder, both come with a Visa debit card and are for people with bad credit, and both appear on your credit report.

 

Remember there are some real killers for your credit score:

 

Applying for credit more than twice every six months

Not being on the electoral role

Having recently opened a new account

 

If any of the above apply, your credit score will take a BIG hit and even someone with perfect credit will find their score is "poor" or "Very poor" if they apply an excessive number of times or have an account open less than 12 months on their report.

 

Hope this helps mate ;)

Edited by izools

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Thanks very much for the replies, I appreciate it.

 

Vanquis did try and persuade me to only make the minimum repayments (they only told me the inerest rate later on!). I declined to do so and was adamant I wanted the balance cleared each month.

 

I do have a credit card and bank account, but it was suggested to me that I get a second one and use one for petrol and the other for groceries to raise my credit score.

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Thanks very much for the replies, I appreciate it.

 

Vanquis did try and persuade me to only make the minimum repayments (they only told me the inerest rate later on!). I declined to do so and was adamant I wanted the balance cleared each month.

 

I do have a credit card and bank account, but it was suggested to me that I get a second one and use one for petrol and the other for groceries to raise my credit score.

 

Fair game, it's best to have around three to four active accounts to get the best credit score.

 

Remember not to apply for anything else, as credit searches drop the score, and remember that because the Vanquis account is "new" your score will temporarily drop further but once the account has been open a year your score should be a fair bit higher than it is now.

 

And then you can get a half-decen credit card, Aqua and Capital One are known to keep their rates at what they advertise - they aren't "Price for Risk" like Vanquis, but they often look for a slightly better score than Vanquis do.

 

Using vanquis as a stepping stone to a better card a year later is a good idea, as long as you don't let them lull you into a flase sense of security with lies of lower interest to go along with limit increases!!!

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