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  • Bad credit history but all say settled ?

    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,...
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  • Scally18
    started a topic Help!

    Help!

    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...
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  • Nationwide unwilling to correcting credit history around partial settlement

    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...
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  • lookingforward
    started a topic Daughter Holiday Card

    Daughter Holiday Card

    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...
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  • Aqua Credit Card - Poor credit history but been accepted

    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

    ...
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    Last edited by Spud; 14 March 2016, 12:03.

  • mareen
    started a topic Transferring Debt to liable person

    Transferring Debt to liable person

    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...
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  • How long do debts stay on credit file ?

    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...
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  • Norbert
    started a topic Contact or not?

    Contact or not?

    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.
    ...
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  • Leejusjo
    started a topic CCJ

    CCJ

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

    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......
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  • CCJ Advice. Credit history / F&F help required

    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...
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  • macjohn
    started a topic Two CCJs only now aware

    Two CCJs only now aware

    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...
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  • Seamus
    started a topic Raising credit card limit

    Raising credit card limit

    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...
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  • tastyjane
    started a topic Interest only mortgage help

    Interest only mortgage help

    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...
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  • Not sure if this is correct sub-forum but Default help required

    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...
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