Noddle and bank card varification

[obiter dictum]

Thought i would give Noddle a try, They want my bank card details and the three digit security number on the back. Is this legit??

 

Any pitfalls in signing up to Noddle

[citizenB]

Yes, all the Credit reference agencies request this information.

[obiter dictum]

Thanks, is noddle ok

[citizenB]

Thanks, is noddle ok

 

It is my understanding that it isn't as up to date as the other 3 agencies because companies don't report to Noddle as they do Experian, etc. However, if you want a quickish over view on a regular basis then Noddle is ok.

 

I am not sure if Noddle is something to do with Call Credit who like Experian and Equifax will give you a 30 day free trial, but you need to be very swift in cancelling your free trial in order to avoid being charged their exorbitant monthly fees.

[silverfox1961]

Hi

Just for clarification, Noddle are part of callcredit and have (as the email to me earlier said) 1 million users now. As this is done online with no actual paper involvement, they ned confirmation that you are who you say you are.

 

When I first started with Noddle, they also asked me for my card details but no money was taken. I would assume that is the same with you.

[obiter dictum]

Noddle have accepted me so no worries.

 

I am horrified i have a Default from Motormile Finance dated 1/12/2012. I know this is an old payday loan from 2009 (16/06/2009) start date but they have it down as

 

STUDENT lOAN, WTF

[fkofilee]

Ouch! Thats normal for MMF!!

They have previous said they are Catalogue Accounts / Mail Order...

[obiter dictum]

Do we have links how to rectify this.

 

Thanks

[dx100uk]

mmf forum

 

 

dx

[obiter dictum]

Thinking about this, Motormile have defaulted this 2009 payday loan account in 2012. I take it that was when they purchased the account

 

Can i do anything as to the default date being 2012 if the original creditor never defaulted the account in 2009?. I have been doing some reading and it seems an account does not have to be defaulted to be sold. Though i would think motormile would have to issue a default notice in their own name giving me the opportunity to rectify the default before registering a default with the CRA

[silverfox1961]

Live accounts (not in arrears) can be sold or transferred to another lender with only a letter to inform you of the fact and that the terms and conditions should stay the same.

 

With an account that is in arrears, a default notice should be issued followed by a termination letter (unless the DCA is collecting on behalf of the creditor) which I don't believe is the case with MMF. All that waffling leads me to this.

 

When you ar in arrears with the original creditor, it is down to them to default you although they can choose not to. As MMF have now defaulted you on an old debt, this can be challenged. The original debt arose in 09 therefore all default notices should carry that year as the default date but at the moment I wouldn't poke that particular stick unless MMF are chasing you already. 2009-2015 is within the timelines for SB status.

[obiter dictum]

Interesting, many thanks silverfox

I will leave well alone as it will be statute barred in a few months

[obiter dictum]

I have been with Noddle now for exactly seven days,

I am having my email inbox spammed like no tomorrow, up top six offers a day from matching my credit profile to i luv shopping. All UK based companies

 

Not saying that there is a connection, But???

[GrumpyToSayTheLeast]

I have been with noddle for something like twelve months. I receive the odd email asking me to log in as they have updated my overview, but other than that I get nothing out of the ordinary.

[citizenB]

I have been with Noddle now for exactly seven days,

I am having my email inbox spammed like no tomorrow, up top six offers a day from matching my credit profile to i luv shopping. All UK based companies

 

Not saying that there is a connection, But???

 

Was there anything that you needed to opt out of by way of receiving information ? It might be a good idea to check

[dx100uk]

never had an issue with noddle ever.

 

 

I expect, though I hope I'm wrong

you probably signed up not directly on the noddle site

noddle.co.uk

 

 

but by one of the other portals

 

 

lots of people get caught out when say using a tablet

and selecting the 1st in the list

which is never noddle.co.uk

[obiter dictum]

NOW TO TOTALLY CHANGE THE SUBJECT

 

Under the closed accounts section of my report I came across this old payday loan from 2007. Why is that still on my credit report as we all know now how creditors feel about payday loans

 

Pounds Till Payday

 

£ 0

 

01/06/2014

Settled

 

 

Name

Mr xxxxx

 

Address

xx xxx xxxx

 

Date of birth

xxxxxxx

 

Account type

Advance Against Income

 

Account number

**************xxxx

 

Account start date

07/03/2007

 

Account end date

18/06/2014

 

Opening balance

£ 100

 

Payment start date

07/03/2007

 

Repayment frequency

Periodically

 

Status history

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec 2014 UC

ST

[fkofilee]

When did you close the account?

[obiter dictum]

It was just one of those 30 day loans you pay back at the end of the month

 

 

This is from 2007

 

 

why is it saying settled 06/2014 ??

[fkofilee]

You need to complain to them... Also report to the ICO. The fact that they have just settled it now Is disgraceful

[maroondevo52]

I've a few on Noodle with Quickbridge (Uk) LTD (Wonga) and all show account end date when they were paid off usually after 7 days.