Hello, I realise that credit searches stay on file for 12 months. I have 6 credit searches all virtually 10 months old. I have also read that lenders only take notice of the last 6 months - even heard that they can only see the last 6 months worth? Is this true? Would these searches have an adverse effect on my credit application? Any advice ...

Hello, I am helping my brother: He received papers from Northampton County Court for £8,400 in respects to a defaulted loan from Sainsburys bank. I have the N9A to complete, admitting it is his debt - he isn't contesting any of that. However, he wants to make an offer for full and final settlement. How does he do this? Is it too late ...

Hello, I realise that credit searches stay on your file for 12 months - but also heard that they only take notice of the last 6 months. Is this true? I have quite a few about 8 moths old, but nothing in the last 6 months. Thanks in advance FREDDIE

Hello, Possibly a silly question: I am wanting to get a loan for consolodation purposes and home improvements (10k on each). My credit file is good, 1 late c.card payment. My wife's in a bit of a mess, she defaulted on next directory (although all paid off about 1-2 months later). I take it when the loan people do a credit check, they will ...

Hello, I have opted out of the company car scheme and have my own car (BMW 318d). I dont have any 'no claims' although I do have 16 years accident free company car driving and been named driver on wife's car for over 5 years, again no accidents. Can anyone recommend a good insurance company to approach as the prices being quoted are a ...

Hello, Looking for insurance for my car for work (BMW 318d SE, 4 door,). Who am I best approaching? Just opted out of company car scheme and now want to run my own and although I have been driving company cars for over 16 years, without any problems, the prices I am being quoted are stupid!!! I am unable to provide proof of the fact that I ...

Hi, What is the best deal for pay as you go? I have my P.A.C code from 02 already, just not sure who to go with. I can use some of the free minutes with my company mobile, but I want to keep my number on as I have had it for years and years. In case it helps in choosing a company, please note the following: We have Virgin Media at ...

The main reason is because I want to keep the number on - I have almost had it since mobiles first came out, and everyone, including people I have forgotten about know the number!  

Hi, As part of a household cost cutting excersise I am looking to change to a pay as you go from my pay monthly (bills to expensive) and since I can use my business mobile and get some of their free minutes on that deal I now only need a pay as you was looking to spend around £10 per month. I have never bought pay as you and it's ...

Hello, Opted for a car allowance and for the last 18 months been hiring a car costing £420-£500 per month (high mileage). My credit rating with Experian is 467 (very poor) although I have all greens on my file! I think it may be because a dealership I approached applied to about 4 places for car credit (without my ...