Hi everyone

i have a CIFAS mark since 2012, i have another year and 3 months before it can come off. I was thinking to email the bank and kindly ask if they would remove it, apparently this was a 1st part fraud, i had a fradulent cheque paid in apparently and thats why i have the mark....

All defaults have disappeared and all accounts are SB, and a basic account and a credit-building card showing green. What now? Cleansed/worthy/reformed or still a pariah?

It appears that normally only recent defaults impact acceptance. Any views/experience on whether there is a general...

I understand that after 6 years my credit file will be clean, but which of my ex creditors will allow a fresh start after 6 years

Interested in
Barclays/Barclaycard - Most of my debts were with barclaycard, no barclays account pre IVA
Tesco
HSBC - they seem very strict,...

Well, I have over 20 defaults and 10+ bank accounts. I opened 2 x Barclays basic account (card cash) last October - just been sent 2 letters saying both will be upgraded to full accounts......

Point is, Barclays work on internal score so it's worth doing this and moving a grand or so between...

Hey all,

Barclays wrote to me yesterday and have advised they're closing my account?

I have no idea why as I don't have an overdraft, I'm not in debt with them, and regularly have my salary paid into the account so have literally no idea why they would do this!?

...

I needed to open a new basic account for personal reasons this month, but with a trashed credit profile and bad debts to most of the high street names, it was a bit of a search - but I eventually settled on, and was accepted for, the TSB Cash Account with no problems.

The TSB is a "new"...

I need to send money to Mother in Law in America.. I have a basic account with Santander... can I do a direct bank transfer at all?

Think we need to replace our bank account

needs to be a basic but our defaults are coming up for 4 years old (aw might have a party when they get to be five....)

can't be barclays, RBS, HBOS, HSBC,

we've got visa debti cards just now and I'd like that facility...

Here's a new one from me (i.e. favouring a bank) - I think Santander are streets ahead of all other banks when it comes to
Who is YOUR fave bank, and why?

I have a number of PDL's, and have never defaulted on any of them. I got into a spiral where I would pay them off in full, then take them out again. However, this month one of my PDL's took the full payment, and when I tried to reloan could not. So, I am short this month, and will not be able to meet...

Hi All,

I have just decided to try and get a credit card from Vanquis today and succeeded They even phoned me within the hour and gave my a limit of £500.00 a lot easier than thought.

I still cannot understand why I cant get a Current acc with HBOS even though I've had a...

Hi folks
I found a very old statement from 1996, and it was just a classic account, but they charged a service charge.

Now does anyone know anything about Service charges? (think these were chargeable each month) so am curious if this is the same as paying for a packaged account...

Currently I have

Littlewoods, open for 4 years, only last 18 months have I had a faultless payment history with it. Limit is 1600, using 450.

Vanquis, I have had this since november, limit is 1000, using variable amounts, mostly paid off in one go, last couple of months...

Post Office to offer current accounts

This is a duplicate of the Blog Entry made on 11th April 2013 18:50.

The Post Office is to offer current accounts in the UK, following a regulator's claim that the market offers little choice for consumers. The new...

Click...

I've done a lot of reading but can't quite get my head around when a default on my file will be removed.

I dealt with my debt problems some years ago (thankfully) - the default in question was for a student loan (current) account with the Halifax that I was disputing (bank charges) with...