She had bad reports before the loan taken out - but all defaults that were on there had dropped off by July 18.
According to a ClearScore summary she saved from Sep 18:
2 x ShopDirect - paid on time - both £500 bal C/limits £600
1 x mobile - paid on time
6 x credit cards - Low limit (under 300) High APR (Cap one, 2x new day, 118, tesco, vanquis) min payment always made on on time, but using about 80% Balance
1 x loan - Likelyloan take out Aug 18.
She was earning 1.2k pcm when UB loan was taken out until her circumstances changed
(Fiancee passed away, couldnt afford rent, spiralled into depression, signed off, made redundant - further into depression)
She say's Credit Karma states the following now for UB (report as of today):
Account detail: Uncle Buck
Current balance: £0
Last updated: 14 Apr 2020
Start date: 05 Oct 2018
Opening balance: £535
Default balance: £425
Can not get Totally money update til next week.