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Q. how can i make a claim for holiday food poisoning
Answer.
you can make a no win no risk compensation claim with reputable solicitor for holiday illness , compensation for holiday illness claims
Q. How much compensation will I receive following an accident at work
Answer.
The amount of compensation you will receive depends on the type of injury you suffered and the severity of the injury. If the work injury claim is likely to last for some time, or it is likely to cause more problems in the future, or if you are unable to return to work because of your injuries, the compensation amount could be increased. Our aim is to get you the highest amount of compensation possible.
Q. What does a ´D´ mean on my credit report?
Answer.
I have just seen my credit report and I have a ´D´ next to an account for a high street retailer that I have never used. What can I do?
Our consumer expert says: The letter ´D´ next to an account denotes that the account is ´dormant´ which means you are not using it. You may not have had an account with this retailer but did you have a mail order catalogue with them? This would explain a dormant account. The entry is unlikely to have much of an effect on your credit rating, especially if the amount is low, but if you have no plans to use the account in the future, contact the retailer and ask them to cancel it. Your credit report will then be updated to show the account is closed.
Q. Why do I keep failing credit checks?
Answer.
I keep failing credit checks when I apply for a new mobile phone. I have never been in debt and have had a credit card since I was 18, which has always been paid off monthly. Why can´t I get a mobile phone contract?
Our consumer credit expert says: Only the phone company can tell you why you may have been refused a credit application. If the person you originally spoke to cannot help, contact the company´s underwriters and ask them for an explanation. They must explain the main reason for refusal and you can ask them to review any decision if you feel it is wrong. It may also be worth ordering a copy of your credit report so you can see if there are any errors or if you are a victim of identity fraud. Make sure your name appears on the electoral roll at your current address and that all other entries are accurate and up to date, and that any financial connections with other people are still valid (divorce or separation can change this). Contact the credit reference company if you see anything suspicious or any errors which should be reported. On the other hand, not having much credit history can also go against you as lenders like to see a proven track record of payments, so ask them for a clear explanation.
Q. Why does my credit report show wrong information?
Answer.
I have just seen my credit report for the first time in 2 years, and it says I have defaults going back to 2005 for £50.00 in the name of a company I have never heard of or dealt with. I can´t find details of the company, so what can I do to get it removed from my credit report?
Our credit report expert says: Your credit report would normally hold details of every organisation that has registered financial information on it. Your report could be incomplete if you didn´t register all your current addresses on it when you ordered it. You can add any addresses to your credit report online at CreditExpert, and you should add all addresses you have lived at during the past 6 years. If you still have problems and the ´mystery company´ still shows up, contact CreditExpert by calling the free phone number and they will look into it for you.
Q. Bad credit rating over a mis-sold contract
Answer.
I have recently applied for a store-card and was turned down because of a poor credit rating. I have never been in debt and I don´t owe any money currently. This problem stems from a mis-sold phone contract which I refuse to pay. I was pressured into accepting a mobile contract, and I cancelled it well within the cooling off period. I was promptly sent two bills which I refused to pay. Debt collectors are now demanding full payment of £68.00 and my credit rating has been adversely affected. What can I do?
Our credit expert says: Instead of listening to your explanations, the phone company has obviously decided to pass the debt to the debt collectors. Send a strong letter of complaint to their head office and they should apologise and remove the negative entry from your credit report. If you are still not satisfied, speak to someone at the Citizen´s Advice Bureau for free help and advice.
Q. Why do I keep failing credit checks?
Answer.
I keep failing credit checks when I apply for a new mobile phone. I have never been in debt and have had a credit card since I was 18, which has always been paid off monthly. Why can´t I get a mobile phone contract?
Our consumer credit expert says: Only the phone company can tell you why you may have been refused a credit application. If the person you originally spoke to cannot help, contact the company´s underwriters and ask them for an explanation. They must explain the main reason for refusal and you can ask them to review any decision if you feel it is wrong. It may also be worth ordering a copy of your credit report so you can see if there are any errors or if you are a victim of identity fraud. Make sure your name appears on the electoral roll at your current address and that all other entries are accurate and up to date, and that any financial connections with other people are still valid (divorce or separation can change this). Contact the credit reference company if you see anything suspicious or any errors which should be reported. On the other hand, not having much credit history can also go against you as lenders like to see a proven track record of payments, so ask them for a clear explanation.
Q. What does a ´D´ mean on my credit report?
Answer.
I have just seen my credit report and I have a ´D´ next to an account for a high street retailer that I have never used. What can I do?
Our consumer expert says: The letter ´D´ next to an account denotes that the account is ´dormant´ which means you are not using it. You may not have had an account with this retailer but did you have a mail order catalogue with them? This would explain a dormant account. The entry is unlikely to have much of an effect on your credit rating, especially if the amount is low, but if you have no plans to use the account in the future, contact the retailer and ask them to cancel it. Your credit report will then be updated to show the account is closed.
Q. Why does my credit report show wrong information?
Answer.
I have just seen my credit report for the first time in 2 years, and it says I have defaults going back to 2005 for £50.00 in the name of a company I have never heard of or dealt with. I can´t find details of the company, so what can I do to get it removed from my credit report?
Our credit report expert says: Your credit report would normally hold details of every organisation that has registered financial information on it. Your report could be incomplete if you didn´t register all your current addresses on it when you ordered it. You can add any addresses to your credit report online at CreditExpert, and you should add all addresses you have lived at during the past 6 years. If you still have problems and the ´mystery company´ still shows up, contact CreditExpert by calling the free phone number and they will look into it for you.
Q. Why are there so many gaps in my credit report?
Answer.
I ordered a copy of my credit report and was surprised to see so many gaps in it. Would it normally show all the credit cards and loans I have had over the past 6 years, as a few of them are missing?
Frank Billington, Durham
Our credit rating expert replies: If you provided all your addresses during the past 6 years, when you applied for a copy of the report, most of your credit details should have been included. If credit card providers do not have permission to share details about how you maintained the accounts with them, details may be missing, which would account for the gaps. Lenders needed your permission before they are allowed to share information with other agencies about clients who default on payments. If the credit cards were taken out before lenders updated their clauses to share all information about new customers, this could be a reason that information is missing. If you want the information added, put a note on your credit report to explain the omissions, although the missing information should not have a negative effect when you apply for credit in the future.
Q. How can I have failed a credit check?
Answer.
I have recently failed a credit check when I applied for a mobile phone contract but don´t understand why. I have had a credit card since I was 21, which I have always cleared every month, so what can the problem be?
Simon Freeman, Brighton
Our credit specialist replies: If the mobile phone company cannot answer your question, then ask to speak to their underwriting department for an explanation. Also, ask them to review their decision if you are not happy with the answer, and order a copy of your credit report. This will show you the same information that the mobile phone provider has seen, and if your details are not accurate, contact the credit reference agency to inform them. Also make sure you are on your electoral roll which confirms your current address, as if you are not registered, this can have a negative effect on your credit rating.
Q. Will my son´s debts badly affect my credit rating?
Answer.
My son lived at home until last year when he moved into his own flat. While he was living at this address, he stacked up a lot of debt on credit cards and personal loans. Will his debts have a negative effect on my credit rating?
Joseph Wilson, Norfolk
Our debt specialist replies: Your credit history cannot be affected by your son´s debts. Credit checks are carried out on people and not on addresses, and it is not possible for your address to be ´blacklisted´ because of your son´s debts. The only way this can affect your credit history is if you applied for joint credit, such as a personal loan or credit card between you. Order a copy of your credit report to ensure your financial history is not linked with anyone else´s, and check the financial associations section.
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Answer.
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