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Waiting for replies from debt collectors.
Good morning all. I'm after a bit of advice if possible - I believe that creditors have an obligation to reply to dispute within a certain amount of time do they not? If so, how many days is the time frame and what steps can I take if they have failed? The creditor in question is MEM Consumer Finance. Thanks in advance.
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BT - credit file
I seem to be getting into (hasn't yet, but I can see it going that way) a bit of a disagreement with BT. I've switched to the Post Office for my landline and I'm awaiting a proper final bill from BT. They seem to be being a bit sneaky and quoting the call element, but not listing the rental element (i.e. just telling us we…
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Electoral Roll
Guys, My girlfriend was refused an M&S credit card and they sent her a letter saying it was because of her credit rating. We thought this to be excellent so we got an experian report to see what the problem was. We've just checked and it claims she is not on the electoral roll, that's the only issue, which I guess in one…
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partial Vs fully settled on default accounts
Hi All Is there a benefit to settling accounts in full if the accounts in question have defaults applied? Ideally I'd like to settle all accounts in full but just wanted to know if it makes a difference when my credit file is already damaged. My defaults will be dropping off from October 2015-December 2017 even though all…
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Erudio Student loans. Lower average wage? Childcare salary Sacrifice
I've just received my application for deferment for my Student loan, for the years 97,98,99 and this year I swear the average wage is lower than previous, or its not moved at all. It says if you earn more than £2227.25 gross per month. Also other issues I have with it is that I do part time self employment and the work is…
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EON informing equifax on estimated bill
Account had been left in credit £19 from 2011-2013. EON estimated bills and whilst away in 2013 they sent information to Equifax so there is a 2,3,4,5,D on credit rating for an estimated bill that was only £2.34 anyway. If the bill had not been estimated the account would have been in credit. They also changed billing…
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Credit Rating Question
I have had a default on my credit file for a while now that goes back to a mistake I made when I was young and stupid. Anyway after a while I was tracked down and agreed a settlement plan. My question though is that the account originally defaulted in October 2009 which as far as I am aware means it will be off my credit…
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Declined for loan?
Hello I need to find out if I have been declined for a personal loan in the last 10 years as part of a security check but i cannot remember if I have or not. I have checked my credit report on Noddle and Check My File (which includes Callcredit and Equifax) and neither seems to show if I have applied and/or have been…
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2 years debt free and 0 credit
I am having real difficulty obtaining credit even from the vulture lenders. My credit history: around £3,000 in bad debt amounted around 6 + years ago. All paid 2 years ago full time, private tenant 38,000 p/a a few thousand in savings working full time 2+ years Declined lease on car 2 years ago Declined higher rate CC…
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Is NODDLE a con ?
I am thinking of checking my credit report - using Noddle but they require me to add my credit/debit card details - before I can use their "free" service - why should I do this - and what is the real reason ? I don't trust them... There must be people without payment cards - what do they do ?
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Wrong name on Electoral Roll in my Credit report
I've just got a new copy of my credit report from Check My File and I've realised that in the electoral roll section a previous tenant of the flat I'm in appears. I have the same first name as them- but they moved out a year before i moved in and I have no connection to them whatsoever. I'm just worried because when we…
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John Lewis Written Off Store Card
Hi, Apologies if this is in the wrong place. Basically John Lewis messed up my old style account card which was shut down (everyone's) at the end of September. I had a zero balance bit their system said I owed 76 pounds. After much tooling and froing they have said they were wrong and have "written off the debt". My…
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Update of Credit file
We have just managed to clear a secured loan, as this loan was with Welcome Finance they no longer subscribe to any of the credit agencies, we have had a difficult past few years (IVA etc), as we are slowly improving our credit history paying this loan off would have really helped to improve our credit history, we have…
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Credit Card Cleared by Lender
Hi. The balance on an old credit card which I havn't used for years has suddenly been cleared by the lender. I stopped making full repayments to the account and incurred a default just as I did with several other credit card accounts and have been making reduced repayments in accordance with the agreement I had with the…
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Tesco CC in the wrong over a Missed payment?
Hi all, I've had a Tesco CC for about 3 years. Used the 0% deal for 12 months and paid it off via DD. All good. However, 1 month ago, they offered a 0% balance transfer deal. So I put £1000 on it from a another 0% deal which was about to end and calculated how much I'd need to pay off each month to pay off in full via min…
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Who do Lenders search through?
Hi All, I have just had a CCJ expire (20/11/2014) and it has been removed from Experian, Callcredit and I checked Equifax today and it is no longer on there either. However I know that Noddle still has it registered as they are a month behind the other CRAs and are part of Callcredit. What I would like to know is if any…
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My credit file... Pay day loans and mortgage advice?
Hi there I am new to this website and have never posted on here before. I was after some advice if possible? I am 26 and earning £23,000. I am living with my family and the plan is that I am saving for a deposit so that I can get my own place. Here's the advice part... I have basically in the past lived beyond my means and…
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CCJ Claim help please
Hello, I have a number of credit debts from 5 years ago which were defaulted on during a particularly difficult point of my life. Having got back on my feet recently, and not having heard anything but a cycle of debts been sold from recovery agency to recovery agency during the past 5 years, I had been hoping these would…
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Please help ASAP - items missing?!
Hi all So I checked my equifax credit file and all is up to date, everything there. Checked experian and my mortgage isn't showing, my O2 isn't showing, my credit card. I don't understand why. I checked experian last year before applying for mortgage and all was there. Ok so don't know if this is linked to this, but - I…
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5 year 9 month unpaid debt - do i pay??
Hello all, I have an unpaid debt on my file that was marked 5 years and 9 months ago as unpaid. I have had no letters since. No payments have ever been made against it. Issue is I want to apply for a mortgage next year, so was going to pay off all my debt with savings. Do i pay this one off or leave it to clear at the 6…
