Personal Finances Articles

Debt Camel Answers to questions about debts and credit ratings - in plain English!

  • The best free ways to check your credit score
    by Sara (Debt Camel) on November 20, 2024 at 7:35 am

    Keeping track of your credit record is smart, but how do you go about it? With over 18 different ways to check your credit record in the UK, it can get confusing. So, what are your options—and which are the best free ones? And is it ever worth paying for “extras”? Many people think they The post The best free ways to check your credit score appeared first on Debt Camel.

  • Car commission refunds – can more people get refunds?
    by Sara (Debt Camel) on November 13, 2024 at 6:31 pm

    On 13 November 2024, the Financial Conduct Authority (FCA) announced: The FCA will consult on extending the time firms have to respond to consumer complaints about motor finance where a non-discretionary commission was involved, and for consumers to refer them to the Financial Ombudsman Service.  This is a very rapid consultation for the FCA. It The post Car commission refunds – can more people get refunds? appeared first on Debt Camel.

  • Amigo’s Scheme – June – my summary of the current situation
    by Sara (Debt Camel) on August 21, 2024 at 9:00 am

      UPDATES Mid August 2024 And the deadlines have slipped yet again. There are just under 4,000 people still waiting for a decision, or a revised decision after winning an appeal, or a recalculation. There are also now (21 August), about 8,000 people where Amigo has wrong or missing bank details: this includes £1.7m of The post Amigo’s Scheme – June – my summary of the current situation appeared first on Debt Camel.

  • HSBC pays compensation for not saying a debt was unenforceable
    by Sara (Debt Camel) on August 13, 2024 at 6:55 am

    In 2023, Miss M asked HSBC to produce the Consumer Credit Act(CCA) agreements for her debts. If a creditor cannot produce the CCA agreement for a relevant debt, the debt is unenforceable in court and the consumer can stop paying it. The older a debt is, the less likely it is that the CCA agreement The post HSBC pays compensation for not saying a debt was unenforceable appeared first on Debt Camel.

  • Does a Cifas “Victim” marker harm your credit score?
    by Sara (Debt Camel) on July 31, 2024 at 6:31 am

    I was asked: Someone pretending to be me has tried to set up some finance. It all got stopped, no money lost and no real harm done. My concern is that the finance company is proposing to record this impersonation on Cifas, but won’t if I ask them not to. The letter makes it sound The post Does a Cifas “Victim” marker harm your credit score? appeared first on Debt Camel.

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