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Default on file whilst Ombudsman investigated a dispute
Please help..... I took out a 3 year / 60,000 miles private lease hire contract (Citroen C1) via Evans Halshaw which ended last August. Upon returning the vehicle I got hit with a bill for £884 comprised of 2x missed services and some damage which Citroen said was outside of their fair wear and tear policy. For a number of…
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Removing credit account I have never applied for
I ordered an item for £14 on 27/11/2014 from The Brilliant Gift Shop. There was an option to open an account on credit which I declined and paid using my debit card. Fast forward to April 2016 and I receive a random email thanking me for my recent credit application! First though was it was fraudulent so I telephoned them…
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Home Address
I left the family home in 2011 however I paid rent in cash and was happy for all of my mail to go there still. So whenever I did credit searches it went to the family home and I classed myself as still living with parents. Now I have moved out and pay a more formal rent with council tax and utility bills associated with my…
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Joint mortgage not showing on my credit files.
Hi, Wondering if anyone could shed some light on this for me, please? My other half and I took out a joint mortgage from the Halifax in March. The mortgage is showing on all three of his credit files but on none of mine. Is this usual? I expected it to appear on mine also. Thanks.
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Identity fraud leads to CCJ and other issues
I thought Id share this one with you and see what advice you all might have. About a year ago my wife and I were trying to get a mortgage for a house. On performing an online credit check, the broker found a CCJ in my wife's name from two years ago. After looking in to it, it was a debt for veterinary services from our old…
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TalkTalk Dispute
Dear MSEers, I was a happy customer of TalkTalk for 3 years or so but around Christmas time, for technical reasons [very large household], I decided to move to another provider. Notice was given in the proper way, all payments were up to date, and all TT equipment was returned properly. I was then sent a small bill for £45…
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Beware comparison websites may damage your credit score!
I just got my latest credit score from Noddle as I am applying for a new mortgage. I was shocked to see it had gone from Excellent down to Fair! Nothing has really changed in my cicumstances so I looked deeper in the report. When I looked at the searches made on my account I found nearly fifty searches on three different…
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Statute Barred Debt?
Hi all, thanks in advance for any advice offered. I am in the process of helping my partner sort out his outstanding debts following being made redundant a few years back. He has set up repayment plans with all but one and this is the one we need advice with. It's a loan from Black Horse - £2709, for which he has only…
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Remortgage with a Default
Hi All, I have had a credit card account which was in default since 2014, however in January I paid this off in full. I am now looking to remortgage one of my properties into a buy-to-let deal (currently it is residential). My credit rating is fine in every area aside from this blip in 2014. I called my current lender who…
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Poor credit rating, no defaults/missed payments
Hi So I know there is no such thing as a credit rating per se. I know that I am unable to obtain credit (and this has been the case for a while). I was also only offered pre-pay gas/electric meters when I moved into my new place (thankfully my husband could get us a decent deal on that). I'm even rejected for certain bad…
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Credit Check for new job
Hi all, first post so let me know if this isn't in the correct section. So, I got a call today from an employer regarding an interview I have recently attended. The employer basically said I had the job, subject to a satisfactory credit report. They are sending me forms for this in the next few days. I am concerned as I do…
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Aqua credit checker
So I have noddle but also an Aqua card. Is signing into Noddle via Aqua credit checker meant to be different? I've heard previously that you gained access to the premium stuff for free and that reports were generated whenever you logged in. There is no longer a form to fill out with Aqua, either you sign in as normal or…
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Halifax Mortgage
Hi, I was issued a full offer by Halifax in Feb this year. I called them today to ask if paying for car insurance monthly would be a problem for them. They said its highly unlikely that it would. So I've decided I'll just pay for it in full. Rather than take the risk. Whilst about to end the call, I noticed quickly on my…
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CCJ paid, but no receipt
I had a court judgement against me this week for some gardening work. It was only part payment of claim and the claimant had to pay court costs and our expenses for the day. We paid by cheque outside the court room, but due to the stress etc forgot to ask for receipt. I've written to the claimant to ask for a receipt, but…
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Clearscore security
I am amused, or perhaps concerned, to be able to report that I have inadvertently managed to open two separate Clearscore accounts, with different email addresses, both accessing the same data about me. The anniversary dates are 2 weeks apart, so it now means I can check my data twice a month rather than only once. Says a…
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Complained about littlewoods and very
Hi all, I complained littlewoods and very and how they did not consider circumstances when giving me my accounts and credit in 2013. asked for all entries to be removed from credit report and all fee's and interest returned. very\littlewoods did not appear on my experian credit file before this point just my equifax with…
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Credit rating plummeted for no apparent reason
I had an excellent credit rating for years, I pay off credit card in full all the time, have another credit card unused. I never missed a mortgage payment. I have been looking for a house and months ago I easily got a mortgage agreement in principle from a building society. I haven't sold my flat, the agreement expired a…
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Mainstream account with a CCJ
Hi I'm a student and have a non-student bank account with Halifax. Been with them about 2 years. I got a CCJ last year for £1600, landlord claimed I stayed for six months after tenancy when I only stayed two. Is there any chance I could get a Lloyds club account? Or is there no chance? The cinema tickets would be great on…
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Amother rookie with a default question
hi, just wondered if someone could give me some advice... I had an account with orange that I opened in January 2012. In November 2012, I transferred it over to EE. Anyway, I had never looked at my Credit File for years until I logged on for a 30 day free trial at one the other week... I discovered Orange had placed a…
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Advice to settle old CCJ with warrant of control from very old debt
**update I reposted this with some edits in Debtfree Wannabe** I've been trying to clean up my credit report recently having finally cleared debts from the past 15yrs, only to find out recently that I now have an active CCJ against me from Northampton court dated from November 2013!! This is total news to me as I moved…