A few years back I had a bit of a meltdown after my marriage failed and through a period of depression and "head in the sand" my financial dealings deteriorated and imploded!!!3 years later I'm back on the straight and narrow and trying to rebuild my life.... and my credit file!!!There is...

Hello I hope someone can help please.

i am trying to help a friend of the family who is not well.

basically he has applied for. Remortgage but turned down, on both Experian & Equifax credit files is an entry from Hillesden Securities

default date 30/09/2011...

I have been trying to get a default removed from my Lowell account which has been closed since 2010. It appears as Lowell on my experian report but it was from a debt from shop direct. I sent them a letter asking for the original default notice and they told me the following.....

Hi this question is not for me but for a disabled friend. I am not sure where it should go. I have to go out now so won't be back till later.

My friend and her ex husband had their house repossessed in 2000. This left an £11k shortfall on the mortgage. I discovered yesterday that...

The number of UK homes repossessed during the Spring fell, but households have been warned by lenders to prepare for rate rises.



A total of 5,400 properties were repossessed in the second quarter of the year, the Council of Mortgage Lenders (CML) said.


...

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...

This was given a lot of press back in 2011 and infrequently recognised in subsequent articles but is it simply being ignored to let people forget about it and let it burrow its way into our finances ?

Some said the lenders wouldn't pay but that makes no sense when it was supposed to cost...

I had this article forwarded to me in email this morning:

http://www.dailymail.co.uk/money/car...tly-loans.html

While any new restrictions on the PDL industry is welcome what is depressing is the poor reporting with regard...

Last july had to stop working because of 3 rare diseases, can't pay morgage, went with shelter
that stoped 31st march 2014, told on 31st they can not buy are house because it is non standered house, so left right in it, morgage balance 167,000, house worth 240,000

FCA warns mortgage lenders on arrears

This is a duplicate of the Blog Entry made on 25th February 2014 13:38.

Mortgage lenders must improve their handling of potentially vulnerable customers, the Financial Conduct Authority (FCA) has warned. The regulator...

Click...

FCA Wants Zombie households treated fairly!!

This is a duplicate of the Blog Entry made on 25th February 2014 12:17.

The FCA is giving advanced warning to mortgage lenders to treat lenders fairly if the base rate goes up (do they know something we don't). Whilst...
...

Hi All,

As a bit of background - when I was a student I realised I could open a current account with smile (cooperative bank) with a £500 Interest Free overdraft.
At the time I saw this as magical - and even better that they let me open 3 of these accounts.

In July...

how agency snoops spoil our credit ratings with duff information

This is a duplicate of the Blog Entry made on 8th August 2012 09:28.

Every day, thousands of Britons are turned down for loans and mortgages on the basis of the records held on them by the three big credit agencies.......

Hi I have 2 defaults I would like to remove from a previous address.

1)Virgin media £98 Jan 09
2)Capquest £71 Feb 2010 (for a vodafone acc in 2008)

I understand that these are not regulated by the CCA so it may be more difficult to remove them than if they were...

I have debts of c.40K over about 18 creditors . I have no assets and my only income is ESA. I am paying £1 per month token payment to each creditor as a token payment. I am actively looking for work, however there are some mental health issues that make me nervous about starting a new job (stress,...