17-07-2016, 04:17 PM
12
Re: Fuming, failed credit check.
Originally Posted by Eliza
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Those two missed payment have gone down on your History ,even though you paid it off ..
Hope you can move on and get your phone
I paid my mortgage off in full and cancelled the standing orders.
They must have made a mistake and tried to take payments AFTER I'd paid it.
17-07-2016, 04:19 PM
13
Re: Fuming, failed credit check.
Originally Posted by malcolm
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I have a very cheap and very old Samsung phone, very rarely used at all.It has a PAYGO SIM card that I credit win £10 once a year (if it needs it)
I can't understand anyone having any other kind...to me it is a total waste of money.
Originally Posted by realspeed
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i have a very old phone on pay as you go. last time used was when in hospital last year
17-07-2016, 04:21 PM
14
Re: Fuming, failed credit check.
Originally Posted by Tpin
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I didn't miss any payments.I paid my mortgage off in full and cancelled the standing orders.
They must have made a mistake and tried to take payments AFTER I'd paid it.
17-07-2016, 04:22 PM
15
Re: Fuming, failed credit check.
Originally Posted by Tpin
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Jeez, talk about missing the point.....and by a country mile.
I am very sympathetic but what can I say ... This is life in the 21st century.
17-07-2016, 04:24 PM
16
Re: Fuming, failed credit check.
Originally Posted by Tpin
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I didn't miss any payments.I paid my mortgage off in full and cancelled the standing orders.
They must have made a mistake and tried to take payments AFTER I'd paid it.
The payment couldn't be collected because the standing order was cancelled and the department that deals with payments didn't realise the mortgage was paid off.
They probably do now, but too late bad credit check already implemented.
I would give C&G a rocket tomorrow and some redress is in order in the form of compensation.
17-07-2016, 04:28 PM
17
Re: Fuming, failed credit check.
@Malcolm & RealspeedMy mobile phone is essential, I have to have one.
My yearly mobile bills used to be in excess of £3k and my business landline even more,!until all inclusive packages became available which resulted in my annual bill being £370 all in, no need for my business landline except for Internet access.
My complaint is that I now have a lot of hassle getting my credit report corrected because some numpty hasn't realised my mortgages have been paid off in full.
17-07-2016, 04:29 PM
18
Re: Fuming, failed credit check.
Extract from the link I gaveSadly, this will remain on your file for 6 years and will means that gaining credit, including a mortgage, will be a real struggle.
This 'Default' will show up on your credit file and this is bad news because it ranks right up there with a County Court Judgment (CCJ). People often assume that a CCJ is the worst entry on a credit file (apart obviously from bankruptcy) but in reality most lenders view CCJs and Defaults as one and the same.
Nothing to stop you getting a pay as you go phone
get one like mine and it won't cost much second hand
17-07-2016, 04:33 PM
19
Re: Fuming, failed credit check.
Originally Posted by realspeed
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Extract from the link I gaveSadly, this will remain on your file for 6 years and will means that gaining credit, including a mortgage, will be a real struggle.
This 'Default' will show up on your credit file and this is bad news because it ranks right up there with a County Court Judgment (CCJ). People often assume that a CCJ is the worst entry on a credit file (apart obviously from bankruptcy) but in reality most lenders view CCJs and Defaults as one and the same.
It's the embarrassment and hassle involved.
Thankfully I won't need another mortgage and I've just bought a car so no panic as of yet.
What is worrying, and if they don't remove it I will get lawyers involved, is that the size of contracts I deal with a credit check is required.
I need a phone with online capabilities.
I'm not retired, I run a business from my mobile.
17-07-2016, 04:33 PM
20
Re: Fuming, failed credit check.
Originally Posted by realspeed
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Extract from the link I gaveSadly, this will remain on your file for 6 years and will means that gaining credit, including a mortgage, will be a real struggle.
This 'Default' will show up on your credit file and this is bad news because it ranks right up there with a County Court Judgment (CCJ). People often assume that a CCJ is the worst entry on a credit file (apart obviously from bankruptcy) but in reality most lenders view CCJs and Defaults as one and the same.
Nothing to stop you getting a pay as you go phone
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