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Default
Hope somebody can help,changed phone company from Vodafone to three in nov last year I thought I'd cancelled my contract as it was up with Vodafone so didn't use phones again,I got a letter in march saying I owed £300 and had to pay within 14days to stop it going to debt collection phoned Vodafone straight away to pay and…
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Default help?
Hi, Sorry to sound dumb, not had a problem with credit before, but I'm not totally sure what a default is? To cut a very long story short! We had a building project go wrong with a builder who disappeared, and problem after problem, it was going to be our home but we had to sell it because of the overruns and extra costs…
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Ex partner defaulting
I have a joint mortgage with an ex boyfriend on a property he has taken responsibility to pay the mortgage on but is regularly defaulting on. I have another property also in a joint mortgage with the same ex. I live in this property and have never defaulted on my mortgage payments. A Deed of Trust was drawn up with my…
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Full and final settlement and default status help please
Hello all!! I'm helping my youngest brother out with sorting his debts/job out and could do with some advice please? Its kinda urgent. How likely is it that a defaulted account will 1. Agree to a full and final settlement. Defaulted May 2012 balance £2300 2. Agree to mark the cra's as paid in full, no balance to pay? Due…
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Credit check at new job help??
I've just been given a job by Mastercard handling their Access Prepaid Cards (the ones like travelers cheques). I've just got my contract through the post today, and it mentions a credit check. Now, I was on JSA, and stupidly used payday companies and catalouges to help with bills and emergency situations. Now I'm really…
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Equifax email address?
Hi there, could anyone help me with an email address for Equifax please? I cancelled my free trial but was still charged for the following month. I checked the Ts&Cs and I did cancel over 24h before it was due for renewal. I want to contact them about it but you have to sign up for My Questions. I did this, but my browsers…
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Account Settlement and Credit Rating
Can someone advise me? I have managed to get a credit card to agree to a 60% settlement of my outstanding bill. I asked them if this amount would "settle the account to their satisfaction". They ahve replied with the following wording: "...pleased to confirm we will accept £xxx as full and final settlement...Oncereceived…
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Checked credit file for the first time...a bit confused!
Hey everyone, First time poster but I have been lurking in these forums for quite a while now. As the title of my post suggests I have recently got my free Equifax and Noodle credit reports and they have left me quite confused. I have dabbled with different varieties of credit since I was 18 in a bit to improve my credit…
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Help Needed - where do I put my money to get a better chance of a mortgage?
Can anyone offer me some advice – I am about to apply for a mortgage in the very, very near future. I have basically three debts and they are as follows: Barclay card – I owe £3750 Santander card – I owe £4000 Santander loan – 9 months left to pay total £3100 I have just received a little under £3000 for PPI from about 7…
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lowell portfolio and default
Long story short. Looking for a mortgage, found the right one and applied. Got declined due to a problem with a credit report from experian. Strange I thought, never had any CCJs etc and have always paid bills and credit card on time. So I signed up to creditexpert.co.uk To my surprise I had not 1 but 2 defaults off the…
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Ex partner defaulted a contract phone
Hi there, In a bit of a pickle here. When I was with my partner I had a contract that I let him use. He changed the address so he could make payments on it from his home ( registered card ). Recently after checking my file I have noticed it has been defaulted at his address and left me a link to his address! He told me he…
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cash advances on report- bad?
hi all, i have a halifax clarity card i use day to day and abroad. whilst on holiday for 5 weeks i made about 5 cash withdrawals using the card as was cheaper than other methods. i paid these off straight away (and in fact usually transferred money before i withdrew it so i didnt need to pay interest). i have just signed…
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How does an HSBC Flexiloan appear on your file?
I've no doubt they'll be a hard pull after you apply, but what happens afterwards if you don't use it straight away? Is it sat there on your file collecting green ticks or not? Presumably when you do use it, it'll appear as a regular loan, is that right? Wondering if it's worth applying for one, then not using it, to…
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Will tenant checks show previous linked addresses
Hi just a quick question. I am currently looking a house to rent. However, I don not want the estate agent to know my previous address. I never signed the electoral roll so it is not showing that way. However, it is showing up on the linked addresses. There are several linked addresses but my previous address only comes up…
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Creation Finance Default .. please help
Hi, I have had a default recently put on my credit file from creation finance. It relates to a debt that I last paid in 2005. I have been chased by three debt collection agencies working on behalf of creation since 2005. I successfully argued with 2 that there was no debt to pay and they wrote to me to say the case was…
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Old Debt
Hi. Where can I get the two letters re old Debt what has expired re the 6 year rule. Thanks Simon W
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Things not showing on my credit report (yet)
I was surprised that some credit agreements are not (yet?) showing on my Experian credit report and wonder if anyone can give advice on this: - Took out a personal loan of £9000 over 3 years with my bank beginning of May. First repayment made 17th June. Nothing at all showing for this yet and it's been a month? How long…
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How long does it take to see settled on your file
Hi. I have 4 payday loans, i have cleared 3 of them 2 weeks ago but they still remain on my credit file as arrangement or late payment. How long does this take to go to settled. Im hoping my score will increase as its on 600 at the mo. Thanks Matt
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Someone used my address to obtain a mobile phone contract
I recently received a package addressed to an unknown recipient at my address. I opened it to find out who the sender was, and it was from Carphone Warehouse, with an 02 sim inside. I rang both companies to let them know, and they both said they would investigate as fraudulent. Carphone told me to check my credit file,…
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Joint finances, credit searches
I recently got a joint account with overdraft and now my wife's name associated with my credit file. It is fine because we both have good credit history however I noticed that companies search both of us regardless to who applied for a credit. It means will will get twice more searches on our files and I am a bit concerned…
