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Inaccurate address on electoral roll
I seem to have a problem regarding the address on the electoral roll. I live in a house which has been divided into 3 flats and I had problems last year with the local council because the council tax dept listed my address variously by Flat 1, Ground Floor Flat and also just the number of the house. This was confusing and…
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Hello, got a question regarding a spelling mistake on electoral role
Hi everyone, just got a quick question regarding why I get refused for credit. ~Basically I moved into different rented accom. in December, and received a visit from the electoral role people to confirm who it was living at my address. Well they put me down with a N at the start of my surname and not a W. So it has…
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Help I'm so confused about credit scoring!
We've just been turned down by HSBC for a mortgage yet our credit score is excellent. We think this is because our previous mortgage company doesn't subscribe to the credit scoring agencies so doesn't appear on our file. So we're now shopping around for a different mortgage through our current account providers but we're…
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Need some help....
Hi, I had an egg cc years ago and recently was contacted by barclaycard to say I had PPI on there so I went ahead with the claim and got £700 back in the letter they also stated that they could see that the PPI payment was causing me to go over my limit. Years ago I had to go on a payment plan as I was struggling I have…
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Lloyds default for £30!
I gave just checked my Noddle account to ensure my file had been updated to show an old account as settled to discover Lloyds has defaulted an account that was £30 overdrawn with no default notice. During this time I went into the branch several times over, claimed back missold packaged a font and was overpaying my loan to…
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BMW on PCP. Will I get approved ?
Hello All, I'm after some advice and guidance whether I may get approved for car finance with BMW. Would be great to hear from those who currently own a BMW on PCP or similar. History: 2008 after I graduated I went abroad on holiday for a 8 weeks and forgot to pay my store cards (3no). Looking back at this I can't believe…
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Defaults
Hi this is my first post, I have a default on my credit file and it's not a year old but is paid in full and credit file shows that, I have phoned the company and explained the circumstances but they said as it's been paid in full it's ok and won't affect me???????
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Late mail order payments
Hi first post here and just after a little advise. Me and my wife have an AIP with Natwest via our mortgage broker and have now had an offer accepted on a house so ready to make the full application. Today I thought I would check my credit reports with equifax and experian and due to my naivety I have made 8 late payments…
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Time for credit file error to be corrected?
Hi My OH found she had a missed payment entry on her Experian credit file. Background: She had a car hire purchase, which ended in March. She swapped car for another at the same dealer and balance was supposedly written off. It wasn't - so has now been recorded as a missed/late payment, and the balance is still showing on…
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Settled Pay Day loans and credit rating
Hello, I wondered if anyone could help me? I used Wonga about 2 years ago. I'm not going to say stupidly because I didn't have anywhere else to turn. I hadn't been out of university very long and was in an entry level job and unable to pay the rent or bills for a particularly tough couple of months when some unexpected…
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Experian - not on electoral register?!
Hi I applied for a new credit card today and was refused so I got my Experian Credit Score and it says that I am not on the electoral register. I definitely am and have had loans approved in the last few years at this same address so I am a bit confused! Can anyone please tell me if this refusal will stay on my credit…
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Getting a company to close an account?
Hi Daughter and fianc!e trying to get mortgage on shared ownership house. Fianc!e missed a payment on a catalogue so has a poor credit rating Now been advised that the company have not. 'Closed the account' so in effect the account is showing as still in arrears? Company say that they can close account from today, but it…
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First Direct current account
Here's the craziest thing. Two years ago I applied for a First Direct account and was turned down. I said then I couldn't care less and I've had my banking needs satisfied elsewhere with no issues. Then a friend who is with FD has some kind of recommendation cards whereby he gets a cash incentive if someone he knows gets…
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paying someone's else's bill
Hey guys and gals My friend has an Internet bill in his name, however the money for the account I pay for using my debit card. I have managed to be put on the account as being authorised, however they are still the main account holder. Now we recently had a falling out and I am worried that I am going to be lumbered with…
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Checking which credit card to apply for with different results...?
Hi, trying to apply for my first credit card, so I used MSE eligibility checker and Experian to match me with credit cards. Results are quite the opposite. MSE says I have 80% to qualify for Barclaycard, Experian doesnt even list it. That says I should try Aqua or Capital One, but MSE says I have poor or no chance on…
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So confused
Good evening all, this is my first post on MSE so I apologise if it's been thrashed to death already. I am not so good with money. I admit that. A lot better than I used to be but not great. I have however been trying to understand everything better and make improvements to my habits and ultimately credit score with an eye…
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How long for credit search to show?
Hi If I had been "credit searched", how long does it take for it to show on my profile? I have Equifax Identity Alert (credit card benefit) which alerts me whenever a change is made or a search carried out. I haven't received an alert for this (been a week) so I was wondering if this is normal? Thanks
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Excellent Credit Score but cant get Credit??
Hi, I have an excellent credit score of 506 with all the indicators Green (Equifax). I have no credit cards, store cards etc.. only credit I have at the minute is my mortgage and the usual bills, household, insurance, phone etc. I am in Full-time permanent employment (15 years). I tried a soft search for a credit card with…
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Lowell Portfolio 1 LTD & BPO Collections ruining my credit rating
Desperate need of some advice here, but it's a rather long story (which I will cut down). At the start of 2011, I got some bills from Vodafone and T Mobile for new mobile phone contracts. The person shared the same first name as me, but had a different second name. I contacted T Mobile and Vodafone to alert them of this…
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Defaulted on a Bill... When Bills Were Included in Rent?
Hi all, in a bit of a pickle here. My OH was living in an all-bills-included bedsit from Jan 2013-July 2013. So, the water account should've been in the landlords name. Just checked his credit report and you can imagine the :eek: when we saw from May 2014 a default of £620 with YW. I've been talking with a YW…
