How much digging do lenders do into your employer ?

In this risk averse world, do they do a financial health check on your employer and if so, how ?

Mine seems fine but it is only small and obviously has more chance of going to the wall than BP so does that figure in the underwriting...

I have a friend (really), who has a HBSC current account. She is terrible with money, and for a long time, has incurred £25 overdraft set up
fees, as well as other fees, i believe.
She is going to close this account down soon (got her a nationwide account), and hopefully, with an authorised...

'Changing my name was only way to escape debt hell'

This is a duplicate of the Blog Entry made on 26th April 2014 11:39.

*One man spent years trying to fix his credit score - and even changed his name - after being wrongly chased for another person's debts* Gareth......

Evening Chaps,
This site (and Niddy) helped me last year and I have one last issue to resolve. I have a dormant current account with Barclays which has an overdraft debit balance of £2,098.00. My credit file is clean except for this one account which Barclays are registering with the three CRA's...

Hi

So after a couple of years on a DMP I've decided to have a look at challenging these debts as being UE - I don't feel like I've made a dent in the debts and I'm hacked off at the way I'm being treated as I'm actually trying to pay them off.

I've read a bit of the forums...

Citi Card:

• Type of account - Credit Card
  
  
• Date commenced - 17th November 2003
  
  
• Approx balance - Approx £3220
  
  
• Date last payment - April 2012
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Default

...

Morning,

Looks like i've been stitched up by an online car parts retailer.

I had several emails back and forth before placing the order - all very helpful stuff.

I placed the order and it was supposed to arrive yesterday. In the afternoon i emailed the place...

When everything for me blow up 3/4 years I UE most of my credit cards etc, I have had no 1's, defaults etc for over three years.

I currently have still 2 credit cards, a loan , mortgage, banks accounts etc.

Will it speed up my improvement in credit rating by applying for...

Hi,
This sounds and is a dull question, but i need to ask it!

Two people.

One person (er, me) has 4 defaults with balances outstanding and credit still running sweet as a nut. All settled balances have now gone from previous credit. Experian score 638

...

Hi,

I have have an issue with Barclays Bank plc that I have detailed in this post:

Default notice sent but never received - MoneySavingExpert.com Forums

Since I haven't yet had any constructive replies I wondered if you guys could help. Any advice would be...

Ive got a job and had to fill in a form titled character enquiry and it says are you insolvent? would I be classed as insolvent? also would they be able to credit check me without my permission?

I know I have to have a check with disclosure scotland would that flag anything up? because...

Hi All,

I'm looking to change jobs (hopefully soon) and all banks do a credit check as part of their checks for new employees.

I think they just search public records, but have a settled CCJ on there and very very very low credit score..

Will this affect me...

I curious as to why Niddy doesn't value credit scores from credit agencies, I thought they worked on a similar basis to what credit providers used.

I know every lender has their own critria but I though they would be useful as a rule of thumb.

Saying that though, I've seen...

My barclay debt has been sold to lowells in the last week and I was wondering what do you think the lowest offer they would take to clear the balance and remove the defaults.

The debts are all unenforcable credit cards and the reason I would like to get rid of the defaults is they are starting...

After a quick discussion with a telephone advisor i have found out that my hsbc bs is 64 and that i was declined due to experian data

only this wrong is electoral role info which is incorrectly stating that i'm not on the role where as i have been informed by my council that i am on the...