Hi I have a default on my credit report from a payday lender its was with Wage Day Advance however on my credit report it states Motormile Finance Uk Limited, they originally tried to say I defaulted in December 2012, when it was actually September 2011 I queried this with noodle and got a reply to say that my report has been amended I also tried to have it removed as in the past I have paid my loans back to WDA like others (QQ, PDUK, Lending stream and wonga) now I have a default with wonga but I have to say at least when they put the default up it was correct and the previous loans have been put up with a green mark stating settled. Where do I stand with this one as they are surely mis-informing other (potential lenders) and they can't just put negative can they when there should have been positive as well - I do understand however having a PDL on your credit report is only going to look bad but surely it should be an accurate reading of somebodies risk for other potential lenders. Any advise?

I think I posted this in the wrong forum originally so I'll try here. Hopefully someone might be able to give some advice. Hi all, I'm a first time poster who has finally got around to reclaiming late charges & over limit fees from credit & store cards held now and in the past by myself or my wife. We have kept the majority of statements going back years and as a resulttwo credit cards have settled after the first letter asking for charges back, actually paying us the contractual rate, rather than the standard 8% we asked for. We are at varying stages with four other cards & Argos. After asking Argos for charges & interest we received a letter rejecting our claim. They have three separate listed points for rejecting the claim, extracts of which are as follows. 1. "You are responsible for making the required payments on time and for keeping within the agreed credit limit. If you fail to meet these obligations, we are entitled to recover the costs incurred by us. We have recently commissioned AlixPartners UK LLP to undertake an independent assessment of the costs attributable to contractual default by our store card customers. The report AlixPartners have produced clearly demonstrates that the costs we incur when customers default exceeds our default charge of £12. Our default charges therefore reflect a genuine estimate of our costs. " 2. This point states that £181.50 of the default charges were longer than six years ago, although we weren't claiming for anything over six years 3."Further and in the alternative, we reserve our right to set off your claim (which is denied for the reasons set out above) against any debt owed to us." Has anyone come across anything like point one before ? At first we found it a bit of a worry, but then after rereading the letter a couple of times, point three seems to suggest that they're not that sure of the validity of point one. Also this account is closed so there is no debt owed to them. The letter finishes with " Under the terms of our Complaints Procedure this is our final response with regard to your complaint " plus the usual bit about our right to refer to the FOS within six months. I thought this a bit arrogant. It seems to me we have three options. Drop it, go to FOS, threaten court action. Any advice or experiences of a similar nature would be very welcome

I've been steadily working on sorting on my credit file and have made quite good progress up till now. I have a three small defaults still on my account, two of which will be statue barred this month and December respectively. The third relates to a small utility bill (£300) for an old address which I shared with my then husband. I am making fortnightly payments to this account and hope to have it cleared within the next year or so (I'm on benefits so it's hard to pay more than a little amount each time). Over and above these, I have a whopper of a debt of £55K relating to the mortgage shortfall when the matrimonial home was reposessed after we divorced. (The default balance was originally £187,340 but this dropped to £55,220 after the repossesion.) I check my credit file regularly and have only just noticed that the status of this mortgage debt is showing as - '8 indicates that you have failed to keep your credit agreement and have not responded satisfactorily to requests to put your account in order. As a result the credit agreement has ended.' Can someone advise what this 'ended' part means in real terms? Although I realise that my ex-husband and I are jointly and mutually responsible, but neither of us have EVER been contacted since we voluntarily handed the keys back leading up to the repossession, and the lender has full contact details for us. I'm sure it's too much to hope that they now won't pursue this debt (although I realise it will stay on my credit file for several years to come as the default date, but I'd just like some clarification on this without stirring up a hornets' nest by contacting the lender for an explanation? Any help/advice gratefully received Jacqui

Hi I received a letter from Ingeus in Birmingham that my exit report was being sent to my local JCP. So I emailed for my copy form my advisor. Received it this morning. B'gger all on it apart form next steps. It states in the Next Steps box. Actively apply for jobs (I blinking apply for up to 60 jobs every two weeks) Consider alternative job goals (what brain surgeon or international fashion model???) Undertake additional skills training (did all their courses. Now doing Sage 50 and NVQ) Engage with JCP Advisor (always do!) Attend job interviews coming up (yep done that offered a job and then the b'stard retracted it!) Anyone else had the same standard form and did it state the same on the next steps?

Ordered my free credit report from Equifax as was not convinced the Noddle one was entirely up to date. I have a couple of questions: 1) I'm currently being chased by MKDP on behalf of Barclaycard for £446 odd quid. The Barclaycard entry on Equifax shows as settled but theres a query under MKDP. What does this mean? 2) I'm a twin. My sister has debt dating from when we both lived at our parents address. I can see 3 accounts in her name in my report, one of which is in default. Should I be able to see that information? The account in default is with Arrow Global, how likely are they to hassle my parents over the debt?

Hi All, sorry if this is posted in the wrong place but i'm new to the site. I have an issue with 3, the mobile company, i've just checked my Experien report and have found two default notices on a previous 3 account (both notices on the same account). This account was in dispute with 3 for close to a year with me repeatedly asking them to cancel it and them failing to do so. I finally managed to get it "cancelled" and was told to ignore all future communication about the account and that the balance had been wiped. I then received a letter from a debt recovery agency saying that i owed £23 on the account so i thought it would be less hassle to just pay it and get it over with. I settled the outstanding amount with the credit company but have now found that i have two default notice 8's against my Experien record submitted by 3. Does anyone have any ideas how i refute this?

Is there any way of requesting a uk credit report from the three agencies if you live overseas? I moved to the usa in '98, and wanted to check out the status of my report. Of course, I have no fixed abode over there now. Thanks, Steve

Thanks to caro for providing this. To read the full report : http://www.parliament.uk/business/committees/committees-a-z/joint-select/professional-standards-in-the-banking-industry/news/changing-banking-for-good-report/

So basically ive fallen into the trap that over the last couple of days reading on here that many others have also. It seemed so easy...fill in a form..15 mins later have 300 quid to spend.. 2 years later it has spiralled out of control and I have at one point got to the stage where i considered taking my life over it all. I have juggled 9 payday loans for 2 years and now im at my wits end and just want a way out....I have a relatively decent income 35k + and being skint after 10 days on this type of income is quite simply not on. I have the following payday loans pounds2pocket - borrow 1k..pay back 200 quid a month for 12 months wonga -1000 text loans - 300 payday express - 680 peachy 115 wage day advance 300 1 month loan 290 mr lender 390 lending stream - 600 Minicredit - 900 What chances have I got off agreeing repayment plans for all these companies...I have today done what I keep reading which is open a new bank account and get my wage paid into that new account. I can put aside sort of 700-800 to get these paid off within 6-12 month no problem...ive got myself into this mess and im going to pay my way of it. couple of questions. 1) are these companies easy to agree repayment plans? 2) what sort of amounts can be realistically be expecting to pay on these per month. 3) reading alot of bad comments about minicredit - am i going to have to bite the bullet with this one? 4) what is this £1 token gesture mean a month...what is it preventing 5) how will i pay the monthly repayment plan...which account and whats stopping them taking the full amount when i give them my card details. any help at all would be very welcomed and appriciated thanks M

I just got my esa 85 this morning, the report from my medical. I was put into the support group again for another 6 months. In my assessment I saw a nice doctor who said he was sympathetic to my condition but that the way the wca is set out made it very difficult for him but he did say his wife had the same condition as me and he knew how ill I must be. I left thinking I would not get ESA but I did and sent away for my esa 85. I was surprised to read in the report that the hcp had put down information he had gained from examining me which I don't think is true. I believe he did this to ensure I recieved esa even though I don't strictly fit the catagory. I am pleased but worry if this inaccuracy will cause problems in the future?

Hi all, I'm a first time poster who has finally got around to reclaiming late charges & over limit fees from credit & store cards held now and in the past by myself or my wife. We have kept the majority of statements going back years and as a result HSBC and M&S settled after the first letter asking for charges back, actually paying us the contractual rate of interest rather than the standard 8% we asked for. We are at varying stages with two MBNA, Tesco, Barclaycard & Argos. After asking Argos for charges & interest we received a letter rejecting our claim. They have three separate listed points for rejecting the claim, extracts of which are as follows. 1. "You are responsible for making the required payments on time and for keeping within the agreed credit limit. If you fail to meet these obligations, we are entitled to recover the costs incurred by us. We have recently commissioned AlixPartners UK LLP to undertake an independent assessment of the costs attributable to contractual default by our store card customers. The report AlixPartners have produced clearly demonstrates that the costs we incur when customers default exceeds our default charge of £12. Our default charges therefore reflect a genuine estimate of our costs." 2. This point states that £181.50 of the default charges were longer than 6 years ago, although we weren't claiming for anything over 6 years 3."Further and in the alternative, we reserve our right to set off your claim (which is denied for the reasons set out above) against any debt owed to us." Has anyone come across anything like point one before ? At first we found it a bit of a worry, but then after rereading the letter a couple of times, point three seems to suggest that they're not that sure of the validity of point one. Also this account is closed so there is no debt owed to them. The letter finishes with " Under the terms of our Complaints Procedure this is our final response with regard to your complaint" plus the usual bit about our right to refer to the FOS within six months. I thought this a bit arrogant. It seems to me we have three options. Drop it, go to FOS, threaten court action. Any advice or experiences of a similar nature would be very welcome

Following redundancy, I ended up with a lot of debt in the early part of 2007. Long story short, had a CCJ for my mortgage (but was able to sell the house and clear tht debt in May 2007) before the repossession date, bit I still owed money to telecomms and utilities. Last year I started paying off my LloydsTSB debt, and today Moorcroft have started chasing me for the water debt. I checked my Experian Credit report today, and there are only 2 negatives showing. One is the current Lloyds default and the other is because I've not cleared a debt per contract (but then, I haven't HAD any credit or oustanding contracts etc in the last 6 years). Does this therefore mean that my utilities and telecomms debts are now Statute Barred - or is it because they may never have appeared on there in the first place? I should add that my two previous addresses since 2007 are linked to the old address, so it's not like these people couldn't have found me earlier. Any advice would be greatly appreciated!

Hi all, I have had a default on my credit report for the past 6 years and finally June should be the last month that it is reported. After reading some posts it looks like even once this has dropped off my score won't immediately improve, is that right? Over the past 6 years there is only this account that is defaulted, the rest of the accounts on my file have perfect up to date payments, there are around 8 accounts in total all perfect. Any idea what affect this final default dropping off will have? Thanks

Hi I was involved in a car accident where the third party reversed into my car in a car park. The third party was in a hire car and their was minimul damage. He had a hire car and the reverse sensor broke off his car so he had to go through the insurance. The damage to mine was a very slight dent on the back door and a scuff on the alloy wheels. I got an estimate and the estimate was £2500.00. The insurance company wrote the car off which I then bought back off them. The insurance company now want an engineers report to see if the ca is road worthy. I have just completed an MOT and this is valid till April 2014. What is an engineers report?

Try and get my credit report and get this- Sorry, we haven’t been able to verify and validate your identity and can’t provide your credit report. We’re sorry but unfortunately we’re not able to provide you with access to your credit report as we’ve not been able to automatically verify and validate your identity. As your credit report contains such personal and important financial information we need to make sure that we only make it available to the right person. We're unable to tell you the exact reason that we couldn’t verify your identity but some of the most common reasons are a recent house move or name change, not being on the Electoral Roll or that the credit card details provided couldn’t be verified, this could be due to the card being relatively new. We regularly make updates to our processes and we hope that this will allow more people to be automatically matched so please do come back and try again. If you’ve any questions, or would like further information, please email us at register@noddle.co.uk. The Noddle Team

I hope someone on here can help me a bit, i applied for my personal information and got it today, reading it i found that some of it is wrong in fact some are just plain lies and i have proof to back it up,what i would like to know from you great people on this site is who do i make a complaint to at the job centre, many thanks for your help, yesitsme,

Hello New here. I am hoping to get some advice on a problem I'm having at the moment. I have also posted about this problem on the MoneySavingExpert forums so if anyone here is also a member of that you may get a feeling of 'deja vu' reading this - just trying to get as much advice as possible, no disrespect to anyone who has already helped me! I recently checked my Equifax credit report to discover that the Halifax has been reporting late payments on my current account since November 2011! I realise I should probably check my credit report regularly but I didn't think I had any reason to and checked it merely out of curiosity and the fact that I am now starting to save money. I will make sure I check it more regularly in the future. I got into debt with the Halifax back in 2008/09, owing on both a credit card and an overdraft. I defaulted on both (ignored demand letters instead of doing the sensible thing and calling to make payment arrangements), but worked hard to clear my debts in 2009 and managed to do so. On 31 July 2009 I went into my local branch (Lincoln) and paid in a cheque for £49.81. This was to pay off the £47.14 I was overdrawn by at this time as well as the £2.67 interest I was told would accrue that month. The cashier assured me that no further charges would be made to my account and it would retain a £0 balance following this. I have no proof that I was told this other than the fact I deposited a cheque for a very specific account (to cover what I owed + exact amount of interest). Subsequently, I was charged interest of £1.26 in August 2009. As far as I know I have never received a bank statement informing me of this charge, but I admit that if I had received a bank statement I would probably not have checked it thoroughly given the assurance of the cashier that no more charges would appear on my account. What I can categorically state is that I have not had a bank statement from the Halifax for a number of years (I now bank with Lloyds TSB) and I have NEVER had a letter/telephone call requesting that I re-pay the sum owed. If I was aware that I owed this meagre sum I would have paid it immediately. I work ten minutes from the bank so could have called in to do this in my lunch break most week days for the last four years. I have been debt free (aside from this £1.xx debt) since 2009 and am a lot more responsible with my money these days. I was hoping to get a mortgage soon (after my previous debts are wiped from my report) but this is not going to happen unless I am able to have that information removed from my credit report. This is stopping me obtaining even the most basic of products (a Nationwide FlexDirect account), so a mortgage is out of the question. Presumably this is because it looks like I have owed a debt for a year and a half and made no effort to pay it off. I am wondering about a few things: - 1. If the Halifax has a £10 agreed overdraft buffer for all current accounts, do they even have the right to report late payment charges to credit reference agencies when they have not demanded that I repay the overdraft? My understanding is that overdrafts are repayable on demand and there are no set time constraints in which to repay. 2. The effect that this is having on my ability to obtain credit is disproportionate to the amount owed. Is there any chance of it being removed on this basis? 3. Can the Halifax just start reporting late payments to CRA's without informing me or asking for payment? If not, is a bank statement deemed an acceptable form of 'asking for payment' ? If I have made some kind of error then I guess I will just have to live with it, but it feels really unjust that I have paid off my debts, been a lot better with my money for the last four years and now this is hanging over me and preventing me from obtaining credit. It is such a ridiculously small sum and causing me a lot of aggro. Anyone in their right mind would pay such a fee immediately if they were aware of it. I've sent the Halifax credit reference amendment department a letter setting out my position but I would be grateful if anybody had any advice just in case I don't get a positive response. I have basically asked them to amend my report to say that I have been up to date the entire time on the basis that I wasn't aware of the debt. I've also asked them to explain why they only started reporting late payments in November 2011 when the interest has been owed since August 2009. I hope I haven't shot myself in the foot by asking that; I'm just hoping that it might help me to understand why this has happened. I have since paid the interest owed and closed the account (damage control), but Halifax head office tells me that they will still be able to deal with my query. Thank you in advance for any help Much appreciated!

I have a repayment plan with Wonga. I pay £45 per month. I have paid three installments via standing order. There should technically be no problems as they have agreed it, and I am paying it with no problems. However they refuse to confirm they have rec'd the payments (I mailed to check the bank details from wonga as they are different to any I've ever seen posted in this forum) and they point blank have refused to let me know despite the (12) emails I have sent - they simply reply with the generic mail " please call us" Finally this morning they say they haven't had any payments and 'please call us". I am adamant to keep this to email - yet despite supposedly not getting payment, nor updating my online balance, they haven't chased up the debt in way - no calls, no nothing just responses to MY emails. This si since September. Can someone please tell me how to deal with this They did confirm the bank details eventually - but not my payments(obviously I have proof as they are all on my bank statements)

I read on another forum where I lurk but am not a member there are times when requesting your credit report is the very last thing you should do. What are the pitfalls of requesting a credit report?

. . . Yesterday the Local Government Ombudsman issued a public report against London Borough of Redbridge in relation to a complaint. A link to the full report can be found at the bottom of this post. The basis of the complaint is that in May 2011 the complainant received a pcn after the Council’s CCTV saw her committing an offence. She moved home the day after the contravention. LB of Redbridge applied to DVLA a few days later and naturally DVLA provided her previous address. As a result, she did not receive any of the notices. A warrant of execution was authorised and passed to their bailiff provider; Newlyn Plc to enforce. Her car was located by way of the bailiffs ANPR equipped vehicle and clamped. To avoid the removal of her car she was forced to pay £741. The warrant issued to the bailiffs had the previous address for Miss X but, before the first visit Newlyn’s records showed that they carried out a DVLA search on the vehicle. This search would have revealed the new address for Miss X. It would seem that the bailiff knew that a new address had been provided by DVLA and in fact, the hand written receipt the bailiff gave to her had the first part of her previous address and this was crossed off by the bailiff and replaced with her current address. The Ombudsman refers in her report to Civil Procedure Rule 75.7(7) which outlines the procedure that must be followed if a bailiff identifies a new address....which is.... that if a local authority wishes to continue to enforce the warrant it must apply to the Traffic Enforcement Centre to have the warrant reissued to the new address. (Note:CPR 75.7(7) is very specific on this point in that a warrant may only be reissued in the very rare cases where the address changed after the date that the warrant had been issued). Miss X then filed an Out of Time witness statement which LB of Redbridge so fit to reject!! She applied to have the decision “reviewed” and had to pay a fee £80 to file an N244. The District Judge overruled the decision of LB of Redbridge and cancelled the warrant and revoked the Order for Recovery. LB of Redbridge repaid £172 to Miss X which represented the amount of the PCN.Miss X approached Redbridge to refund the bailiffs fees. They refused and stated that they had no legal duty to do so and they quoted legislation that had been repealed under Schedule 12 of the TMA 2004 (full details are in paragraphs 21-23 of the report). The Ombudsman stated that: · “Once discovering that the address on the warrant was different to the complainant’s current one, the bailiffs should have released the vehicle without charge and returned the warrant to the council for further action” In addition,the Ombudsman decided that the council was dismissive of the complaint and they initially insisted the complainant was at fault for not notifying the DVLA of her new address when they had in fact done so, and it quoted outdated legislation as justification for refusing to refund the bailiffcharges. The Ombudsman also refers in her report to sections 10.68 and 10.69 of the Department for Transport’s Operational Guidance to Local Authorities under theTraffic Management Act 2004. On the procedure that should be followed if the address on the warrant is different from the defaulters current address the Ombudsman stated that the bailiff should: · “Stop action, unclamp the car, not charge any costs and return the warrant to the Council” and that: · “Failure to do so in this complaint was “administrative fault” which “led to injustice” When the complaint was being investigated by the Ombudsman, LB of Redbridge responded to the enquiries to effectively lay blame on Miss X and stated that: · “It is the responsibility of the motorist to ensure that address details held by the DVLA are correct at all times.” And that: · “In this instance the fees were incurred as a result of what can best be described as an oversight by Ms Young in failing to advise the DVLA of her change of address.” LB of Redbridge failed to provide any evidence to support this “oversight” but shockingly, even after the Ombudsman suggested that Redbridge should settle the complaint, they continued to blame Miss X by suggesting that she was to blame as she should have arranged for her post to be redirected !! From the evidence provided to the Ombudsman it was clear that Miss X had indeed advised DVLA of her change of address almost immediately. Astonishingly, Redbridge also stated to the Ombudsman the following: · “Whilst we appreciate that [the bailiffs] acted as our agents in this matter we cannot be held responsible for their oversight in failing to advise us of the change of address when they became aware of it.” The Ombudsman disagreed and stated in her report: "When Ms Young complained to the Council about what had happened it should have recognised the fault, apologised, instructed the bailiffs to refund the fees and costs, and ensured that they acted correctly in future. The Ombudsman’s conclusion was Maladministration and Injustice. http://www.lgo.org.uk/news/2013/mar/redbridge-council-asked-review-bailiff-procedures/

Just rejoined BT from O2 starting to regret it, would'nt have done it if they were'nt offering Infinity at the end of this month. Email from Equifax saying my Credit file had changed significantly sine last report. Checked it - paid the £5 odd. Am very alarmed and not pleased (actually ) to see my account being marked as being 6 months in arrears - nonsense I have only been with them 7 days! This has resulted in an "Excellent" score being reduced to "Very Poor". Fortunately I am not looking to remortgage in the near future. However, has anyone else had this experience? Can I sue for defamation? Obviously I have emailed them asking them to correct the report.

im not sure whether this is the correct forum but no doubt someone will be kind enough to move my post if necessary. Ive received a copy of my credit report and note a linked address dating back to 2008. I know of the address- it was that of a very short term girlfriend- but i never lived there, never obtained credit using the address and was never on the voters roll. Ive queried the entry with call credit and they tell me it was supplied by orange who are refusing to remove the entry. Given that i have lived at my existing address since 1994- and am on the voters roll throughout that time- how can I get this incorrect entry removed. Thanks

I have been paying £1.99 a month to Experian for notification about changes to my credit report. Trying to cancel this is is proving rather difficult. I will deal with this later but what i am after is an online copy of my credit report. I realise it will cost about £15.00 for an instant online report, but i am happy with that The problem is when i log into my experian account, it will not give me the option to purchase my online report without pushing me to upgrade to their full package, and yes, i have used their free 30 day package in the past All i want is to log into my Experian account and pay £15.00 for my report to have it instantly downloaded without being pushed into upgrading to their full package

Hi Can someone please advise me. I have been informed that RBOS defaulted my overdraft on a student account on 13th September after I made no payments since June. There is nothing on my credit report except for 1 late payment which was updated on 14th January 2013. Can they back track and put that default on? I am so confused. They had been writing to an old address and because my credit report showed everything as up to date I didn't worry about this account. Thank you

Hello, I have just joined this forum after reading some posts that were very interestting and so decided to post my own little question. Here is the story. When i was a little younger I was a huge fan of credit cards and loans and naive enough to spend it all and bury my head. I have not been in touch with any of the lenders or Debt collectors etc However i still get some letters from debt collectors which I still ignore due to financial difficulties. about 4 or 5 years have gone past since and today I have checked my Credit file to find that I have only ONE default showing on my account??? I should have a list of several defaults or CCJ, etc but only one showing a small amount for a parking ticket i think in 2007. My question is where have ALL my other debts go? It hasnt been 6 years yet?? Any help on this matter would be much appreciated. Thank v much in Advace.