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Serious debt with Virgin Mobile on credit report
Greetings. Not sure if I ought to complain, so let me explain. I joined clearscore to see my credit report for free. On there I see that I have two 'negatives', one being a 'serious debt' to Virgin mobile. The debt incurred from a mobile phone contract in 2012. Phoned Virgin up and they said, yes, I did have a debt of…
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Help/Advice please
Looking for some advice please as I'm going round in circles and after over 2 months of chasing I'm still no closer to a resolution. Summary of my problem is: *2014 I switched my current account away from Halifax to First Direct. *A glitch in the system left a deficit on my Halifax account of £6.96 *I wasn't aware of this…
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Debt from 9 years ago
I have a good credit with equifax, not so with some other for some reason, my question is, I applied for a littlewoods acc, and was accepted for £750 credit limit, so made an order and all was good, roll on 24hours and order still being processed, so. Phoned them only to be told I had an acc with them in 2007 and I've used…
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Too Easy to Get a Fraudulent Card
My mother-in-law is an 89 year old widow and she recently received two credit cards in the same post that she had not applied for. They were nearly identical Nat West and RBS cards, each with £20,000 credit limit. The letters also showed several transfers of money out of about £18,000 in total on each card, which appeared…
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Easiest way to build credit score?
I know this is going to sound stupid, but can you get a credit card at all if you have no income? My son is on a gap year (he's not officially a student any more as has left college last year and not yet decided if he wants to go to uni) so has no income and we are supporting him. He doesn't need a credit card but I was…
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Default Sum - Over Credit Limit
Dear all I have just received a letter from my card issuer saying a Default Sum has been applied because I exceeded my credit limit. Normally I well below the limit, but I have come close to recently due to a couple of large purchases including some flights. I called them this evening and they have refunded the fee and…
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Mortgage refused due to incorrect credit information.
This week we had a mortgage application with Santander refused. We were told it was due to my wife's credit score. Six years ago we received letters from John Lewis and debt collection agencies chasing debt for someone with a similar name to my wife, different dob and address. We checked her credit score with Experian and…
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Can this situation affect credit rating?
Hello, I asked my friend to get a sim only deal and he was very kind to get one for me. Unfortunately, I was not impressed with the network coverage in my area and had to return it back within 14 days so that he didn't had to pay anything as part of return policy. My friend now says that doing this favour for me has…
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Noddle
Evening all.. my noodle account was last updated in Dec 2015.. How do i contact noodle or how do i refresh my account as their website states thanks all
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British Gas
From what I've read so far, a real credit report nemesis! I recently checked my credit report and discovered British Gas had very kindly marked it with a default. This occurred because I moved house, gave them my forwarding address so they could send me any outstanding bill and promptly forgot all about them I was reminded…
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Is is better to have a default on your credit file?
Hi I have an outstanding payday loan with PaydayUK on my credit file of £250 which I have never made a payment on, please don't judge me on this I got myself into a right mess 6 years ago and genuinely thought I was paying all of my debts off, they have never chased me for money. I recently signed up to Experian to check…
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Is this the right way to improve?
First time poster (well my second for tonight) but please help Basically I'm 3.5k debt and my credit file is awful. Default after default, and i'm still not paying anything at the moment. I have a CCJ against me as well. I am going to debt free in September as my first student loan/grant payment will be paying off ALL my…
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Identity theft
Hi all, Sorry its in the wrong section but i cant seem to post on Citizens advice? I been a victim of identity theft and wondering if anyone can point me in the right direction to maybe a dedicated forum? Its been going on for years and i have joined a CIFA which is to prevent more loans etc taken out on my name but i…
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Anyone fancy starting a petition about big businesses' use of the CRAs?
Hello, I'm new in these parts so forgive me if this has already been covered.... There seems to be a lot of posts which are all on a similar theme, ie big businesses' placing incorrect and unjustified adverse markers on consumers' credit files either due to incompetence/ poor admin (and then refusing to remove these) or…
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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…