Hi,

why would HM Revenue & Customs search my credit report back in August 2021, I don't claim benefits and my job is PAYE.

Thanks in advance...

Hi guys

I have 2 defaults on my credit report (that are showing as 3 as I have 2 for the same loan and showing exactly the same details for some reason!) The ones for my loan are now past 6 years, the default date was 25/08/2009, but are still showing on my credit report. When will these...

This thread is a quick reminder that in any litigation you may encounter whereby you get the debt deemed Iredeemably Unenforceable (by a judge) means that the claimant must purge or at least correct any CRA data recorded against you.

As the CRA reporting system cannot differentiate between...

Hi Guys,

Im new to the site so please be gentle!

I am after some help regarding a default I have received with Santander in September 2012. The default amount was £1482 on a current account that mostly amounted from charges from them. I cleared the balance as soon as I was...

A friend contacted a credit agency that finds loans for people. she agreed verbally on the phone to terms and conditions.

they took £80 from her bank account. without her permission.

who should get the complaint? FOS

what chance of getting money back.. complain...

Hi guys. I really hope someone on here has some advice as im not sure what to do.

When I was a student I shared a flat with a couple of friends and we had our gas supplied from British gas. This was from 17/02/2007 to 01/07/2008 when I moved house and closed the account.

I...

Experian's £6 a month cover you DON'T need

This is a duplicate of the Blog Entry made on 14th May 2014 12:35.

Are credit agency customers signing up for insurance they could avoid?Money Mail today raises concerns that customers of Britain

Click to Read More....

Hiya,

I suppose it is my fault not checking my CRA files regularly. in 2012 the written agreed full and final settlement was that on receipt of the money from a third party the creditor would mark the account settled, reduce the balance to £0 and close the account.

They were...

Please can anyone advise?

I had a Barclaycard, and had an 'arrangement to pay' after getting into trouble I the early 2000's.

After checking Noddle recently, I noticed this account has all green marks 'up to date', but are mostly marked AP. There is also a balance of £15....

Hi. I got my Equifax report in November and it bothers me that there's a red label under the £ sign. It effectively says I have bad repayment history?

As a test, I applied for a small low cost hire purchase agreement from a provider I've used before and was refused (approx £600). This...

Hi,
I had an account with a catalogue stupidly taken out under my name by my Wife. The account was for £200 and when she we split she didn't pay. By the time I came to know about this, it had gone to collections. I set up a payment arrangement and it will fully paid on 4th March 2013.
...

Thought i would share as i dont know what to make of it..

Had a coop credit card in about april/may of 2007, if i remember correctly i filled in a form and balance transfered.

Now i figured they most likely have an agreement but figured due to the current state of my credit...

Well my credit file was totally wrecked by the banks in 2009/2010 after my wife was made redundant. We started a dmp but we got about eight defaults with various banks between us with a total balance of 25000.

I believe the debt falls off the credit file after six years but the banks...

On my credit file there is a missed payment record still logged from Next directory!
There is no default date but the account was brought up to date August 2006 which is shown on my credit report however Next updated this account as "satisfied" 18/12/08
and it's still on my...

Hi guys, great forum.

Right, I got in a bit of debt (roughly £3k) through not paying my student accommodation in 2009. Fast forward to 3 months ago, I got given a pretty nice job at Barclays and through their credit checks, found I had been given a CCJ and therefore the job offer was...