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BEWARE....British Gas
British Gas have totally messed up my credit score and now I cannot get out of my Bridging Loan to a standard mortgage. Use anyone but British/Scottish Gas for your utilities. I got grossly overestimated gas bills for my previous home which I only paid once they had corrected the bills. BG say I was overdue and the account…
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Bank reference query
hello can you help please? my potential future landlady wants to do a bank reference on me. this is going through. she has asked the bank if i can pay a certain amount a month. i can but i am nervous as my income is fairly low so it may not look as though i have the amount ON TOP of normal outgoings. this is because my…
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Improving credit rating whilst on DMP
Hi all This might sound like a silly question, but is there anyway you can improve your credit rating whilst on a DMP? Now i know your not supposed to add credit and stuff whilst on a dmp but i was just wondering is there anything i can do whilst i pay my creditors off through my dmp? I went on Experian and i had a very…
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should i pay my ccj i have just realised i recieved 2 years ago
hi I recently checked my file and discovered I received a ccj two years ago and obviously my credit score is poor. I don't earn a lot and I have found out if I decide to set up a payment now it will stay on my record for 6 years or I could ignore it and it would disappear in 4. the debt was to a credit card I got when I…
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How can I improve my credit rating?
Hi guys, In a few years time I will want to purchase my 1st. Wether I get a mortgage, or go down the help to buy scheme, I am not sure yet. I am 23 years old and have a bad credit rating. Years ago I would always miss payments and take payday loans out. I am debt free now, I only have my student loan of £5000 which I pay…
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Sending off my experian credit report ( postal )
hi all I am sending off my request for a credit report via the post today. However i find it a bit strange they do not require proof of address / who I am in? I just put the form, the postal order for £2 in and thats it?
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Default Help & DPA1988 Breach
Hi All Looking some help on something thats been ongoing for a few years now, partly because ive been lazy and/or had time constraints. Below is a quick overview of the situation. Late 2011 - Store card - Finance by Santander Early 2012 - Disputed terms & Conditions and requested a copy of the signed credit agreement. Got…
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Is there chance of finance?
Dear All... I don't know if anyone can advise, but any thoughts or advice would be massively appreciated. Basically, in March 2009, I commenced a DMP with payplan. This came to an end at the end of October 2014 (last month). I would appear to have defaults on a couple of (now cleared) loan since March 2009 according to…
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Incorrect date on default from Moorgate loan servicing
I had a personal load with the HSBC which defaulted in May 2011 when I entered into a DMP with stepchange. HSBC subsequently passed the debt to Moorgate loan servicing, who now have a default registered on my credit file. Unfortunately the default is dated May 2013, a year after the original date that I defaulted on the…
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My credit rating - Is it improving?
Hi all, So, I did have a pretty bad credit rating after I lost my job. Things got a little out of hand. Prior to this I could get credit for pretty much anything I wanted and had Credit available on Credit cards of up to £35000 (unused ill add) Cutting to the chase. I now have personal agreements with creditors and on my…
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missed payments?
Brief view of my credit report. 4 defaults 1 CCJ 3 defaults have gone(6years up) and last default and CCJ will be gone by July next year. I have posted in other forums as I want to go for a Mortgage next Summer. Im aware that as of next july my adverse credit will all be gone however there is 1 account which has been…
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Not on Electoral Roll until 2015
I've recently sold my house & (as I was waiting for an offer to be considered on another property), moved into a rented house. I changed my address on the electoral role as soon as I moved into the rented house but I've now been told by my new council that it will be Feb 2015 before I am added to the electoral role. As a…
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Getting a joint account & ability to get a mortgage
Hi, I am just married and we are considering whether to get a Joint Bank account or not and how it will affect our ability to get a mortgage together. My Background I am a discharged bankrupt(since 2010) and have been gradually been building up my credit file, started on credit builder Credit cards but now have freedom…
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Can paying outstanding debts build my credit score?
Hello, 1st post on here so apologies if I'm in the wrong place etc... To cut a long story, after falling in debt due to a marriage breakdown (being screwed over :( ) then the credit crunch and losing my house...I'm now in a position to start to repay my £75k of debts. Played with going bankrupt, but it would have had…
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Accessing credit file - need to do on phone
I just tried to access my credit file on Equifax and when I got the security questions they were all very random - e.g. your credit file shows you opened a current account in 2009 with one of a list of providers (I am with one of the providers they listed but I really don't think I opened a new account then) or you took…
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Credit help for Mortgage
Hi everyone, just after a bit of advice Im looking to get a mortgage next year but have a terrible credit file. Experian score is currently 542. i have 2 defaulted credit cards of about 8k and an overdraft default with a couple of hundred pound on. i stopped paying them when i was a student in 2012 and was unable to keep…
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CCJ - to challenge or pay
Hello! I wonder if you could help me. I have a CCJ against me and am wondering what to do- challenge it or pay it. I discovered when I was moving house this August that a CCJ was made against me for £165 when the estate agent did a credit check. I figured out in September that I could use Trust Online to ascertain the case…
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Credit score/rating affected....?
Hi everyone, I dont use credit cards much but have done a few balance transfers over the years. My current offer is ending and I wanted to again transfer the balance over to a new card. I applied yesterday for the Sainsburys card. Problem is the credit limit i.e, £1,000 (only was told this after I was advised I was…
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Decree added against wrong person
Okay, so, I live in Scotland so obviously Scottish laws etc will apply. I'll try and keep it as brief as possible. I lived in a flat with my flatmate, halfway through the tenancy my flatmate left (without permission from the landlord) and stopped paying rent. It was a joint tenancy. I couldn't afford to pay the full amount…
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CCJ 4 months to go!!! what happens next?
Hi, I have a CCJ which is 68 months old, currently 4 months away from the 6 year clear My question is as I am looking at moving house next year is can creditors still see the past CCJ and am I doomed for life with high interest rates and shoddy lenders? Thanks in advance
