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electoral roll - how long do you need to be on it?
Hi I am showing up on the electoral roll for my last/current residence, until this month's roll publication date - which is about 6 months. If I move somewhere else and go on the roll - which will probably entail a gap of 3 months (especially given the CRA's not necessarily updating their records fast) - how long would I…
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defaulted account disappeared!!
hi all i have been paying off a defaulted loan through welcome finance for some years now. It shows on all of my credit files the same balances etc etc. It would be 6 years from date if default august next year, but. I have just received two alerts from. Equifax and experian and find that the loan account has been removed…
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Dates of defaults
Hi, first post. I have exited the Scottish version of Bankruptcy, Sequestration, and looking to clean up credit file. I have a current score of 685. There are 4 defaults which are dated in 2013, all but one showing as satisfied. I officially entered bankruptcy in Feb 2012 and discharged Feb 2013. Can I enforce the default…
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To clear or not to clear?
Hi, I am in the process of trying to improve my credit rating and get debt free. I have recently came into a small amount of money and I am planning on paying some of my debt off, mainly the ones that are in default. My question is what would look best on my credit file, to clear the debt from default or bring the account…
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Help Appealing a Default with Financial Ombudsman
I am wondering if anyone has any helpful information about appealing / complaining about a default to the Financial Ombudsman? Has anyone appealed one successfully? I have tried appealing to the bank itself and after investigating they have turned down the request to remove the default, so this is my only choice. The…
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electoral roll change - how long to show up?
Hi Lots of useful answers to be gleaned at MSE - hopefully people may know the answers to my question. I'm in the Borough of Islington, London. Currently I show up on the electoral roll ok (so this is on my credit report). However, having duly informed the council, I won't be on it for the Feb 17th listing. How long will…
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Should this be changed from 'default' to closed?
Hi there My OH was taken to Court by Cabot who had bought his Citicard credit card debt. He successfully disputed this, the end result being that Cabot withdrew their claim in its entirety with no order for costs. This however still shows as a default from 2010 so will be on his credit file for a further two years. Do we…
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Interest lost re Post Office delay as unable to verify identification electronically
We completed forms for our ISAs to be transferred from Virgin to The Post Office (their service is actually provided by a company called Family Investments). With 13 days to maturity of the ISAs, I had no reason to expect transfer on maturity would be delayed. We went to the on-line link and found forms had to be printed…
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Does BT report to CRA
Just quick question, does bt report payment history to CRA?
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Is a default classed as a IVA?
Hi All, I had a account with finance provider and fell behind couple of payments. I eventually defaulted for a amount if £300. I made a arrangement to pay this off. It's all settled, question is is the payment arrangement classed as a IVA? Thanks
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Balance Transfer Query
I was wondering on my credit file how a balance transfer would look? A normal payment or would it specify that its a balance transfer?
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recent credit file wobble
(I posted this earlier as part of another thread, but have separated it out as the post was too long. Newbie error) I have substantial savings which I've been getting a poor return on and, having done some research on the ace MSE savings forum, I've formed a plan to set up 2 Santander 123 accounts, which pay 3 percent…
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Savings account with partner with bad credit?
Hi there folks.. a long time lurker finally taking the plunge! My partner has a poor credit history. He's in much better shape now financially than he was - we've worked hard on things in the last couple of years and it's starting to pay off for him - but I've been careful to keep our finances strictly separate to date.…
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ccj I was unaware of
I recently found out i have a ccj from 2010, The debt was paid in jan 2012 regardless, and they updated my credit file accordingly. However this ccj still shows as active. Reading online I can ask for the ccj to be "put aside", as I was unaware of it, as I moved a number of times and it was posted to the wrong address. I…
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Equifax issues
My equifax credit score was in the good range and since then I've never missed anything. I was sure I'd be in very good by now and curiosity made me pay for an update just to see it. I was gob smacked to see that I'm now very poor. The only thing I've done is got a new phone contract and applied for a mortgage. I've only…
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Mortgage turned down
Ive just been declined by the nationwide. Was looking an 80,000 mortgage with 25k deposit and 20k annual salary.... I have 3 default payments on my credit file and a credit score of 783... I am on the electoral register and nothing else appears to be a complication apart from the default payments.... These are my debts…
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Defaulted Account with BT
Hi All, I'm looking for a bit of advice. Unfortunately, I have a Defaulted account on my credit file with Equifax (not with Experian though, luckily). As you can imagine, it's causing me some real problems. Other than that, my history is in good order; no late accounts etc. Now, this default is with BT and is for around…
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Poor Credit Mortgage?
I wonder if anyone can offer advice. In 1999 I purchased a 25% share in a shared ownership property for £15,000. I would now like to buy the remaining 75%. The property is now valued at £150,000 so the remaining amount I need to buy is £112,500. I have savings of around £23,000 (this was saved to pay off the £15,000…
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US Dollar account and UK credit rating
Hi - I am paid in US dollars from my employer (outside of the uk) but I want to build up my credit rating in the UK. At the moment I have my salary paid into my UK GBP account and then I withdraw again in my local currency - losing a lot on exchange rates and commission. Do you have any advice? Would getting an UK offshore…
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Debt Company or spammers
I have received a call fron 0758 463 4467 asking for my personal details. Obviously I dont quote these over the phone. Is there a method where I can check out if tis caller is legit?
