Hi I'm new to the forum, I've been looking into my credit file. I use to be a real nightmare with paying things, but for the last 4-5 years, I've been better with it. all my payments except 1 have either been settled or I'm still paying them egs. I just don't understand how it can be so bad,...

I have the following debts which I have been paying for approx 5 years at least on informal arrangements of a couple of pounds a month with no hope of ever clearing them. They have all accepted my budget sheet and I don't get any hassle. However I have now inherited a small amount of money but not enough...

Hi
I came across your forum and hope you are able help.
I tried searching on your blog but could not find anything specific to my issue.
I am waiting on Nationwide ringing me back this evening, so I am hoping you have time to respond to me before then
I understand you are...

Hi,

DD is off on her first foreign holiday with her friend and her friends parents to Spain in September. She's 18 and just got her first full time job/apprenticeship after leaving college so has no credit history whatsoever but is wanting to get a credit card to take with her that she...

As you do, I received a weekly email from MSE a few weeks ago and I was reading one of the articles about a credit card acceptance "checker" that basically conducts a "soft" search of your credit score and gives a rough chance of acceptability for certain Credit cards

...

Hello All,

New person here, sorry if i come across as not doing proper search.

I have two debts in my credit history due to my family members (Mother and Sister) buying a lot of catalogue items (Isme and Very) under my name and paid it with my debit card (I have given my debit...

Our debts were defaulted in 2007 onward we started UE in July 2012 .

We haven't checked our credit files as we don't want to wake up the creditors, but with things getting harder and harder such as wtc and now council tax help being based on minimum wage for self employed, we are looking...

Hi all

I received some very wise and valuable help on here in the middle of last year regarding an account with Co-op Visa with an alleged debt of £4934.

In short, the original CCA agreement from 1993 was improperly executed and is therefore totally unenforceable.
...

I have recently found out that I have a CCJ on my credit file after applying for a rental property.

It transpires that 6 years ago I disputed a late payment fee through TSB. I cancelled my DD's including Virgin and to close my account as well as cancelling the DD with Virgin. Both seemed...

Banks bullied woman for FIVE YEARS over a £16k debt

This is a duplicate of the Blog Entry made on 29th July 2015 15:19.

*was contacted by 24 different firms* *Debt collectors threatened to repossess her house* *She told banks, phone firms and credit card providers it......

I’m not sure if this is the correct sub-forum, but feel free to move if there is a more appropriate place. Here goes:

I had a credit card with Halifax, went down the DMP route and received defaults etc in Aug 2009. Halfiax solf to Hillesden, who applied a CCJ in Feb 2011, which I didn’t...

Hi,

I have just been made aware that I have two CCJs against my name, embarrassingly I was told by my potential employers when they have done a credit/reference check.

I had no idea and when I asked if they could give me the details I have contacted the courts and for the...

I have only one credit card with a limit of £500 and no hope of getting another one (don't want one anyway!) or raising my limit on this one due to a bad credit history.
This is usually not a problem because since defaulting on other cards I have learned to live without credit for nearly 6 years...

Hi

We have an interest only mortgage with BOS; we need to repay it in 8 years and we do not have a repayment vehicle... The plan is that my credit history should be all sorted then and as I am now back in full time employment I should be able to get a mortgage on my salary alone (husband...

In a DMP for last 6 years, and have default notices on credit history from 4 creditors that drop off in about 6 months. Just spoke to the DMP co. (Payplan) who stated that

"A Default Notice stays on your credit file for 6 years from the date it was issued and will make it difficult...