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Failed Direct Debit
Hi I made a faster payment in branch to my credit card of the full balance (£400) and cancelled the direct debit. I knew I would get a statement this month with the residual interest (£4.43). I have rang them today to pay the £4.43 and closed the account. I have been hit with a £12 "unpaid direct debit" charge. After a bit…
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PDL debt not showing on credit report
Hi All Hope someone can help me with this! I have three PDL debts that are not showing up on my credit report with either Noddle or Experian. I am paying them off directly to the companies and they have not been transferred to any other debt collection agencies. My other debts show, so why not these three? Any advice…
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Name Change - will it work
Hi guys Bit of a long story but I am trying to sort out my other half credit file. Bit of back story for you good folk to suggest something. There is issues between him and another person with an identical full name and date of birth but both people born in differing parts of the country. This other person keeps taking out…
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Provident removed from my Credit report with money still owed?
Hi guys, I have a query which I hope could be answered. I (foolishly) borrowed a chunk of money from Provident Personal Credit about 2-3 years ago and I am currently still paying weekly to an agent. However, when I sign into my Experian credit report, the account is no longer listed. What I want to know is - why is this?…
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Contacting Creditors
I recently decided to address the elephant in the room and got my experian credit report. I'd like to contact all of my creditors listed, i have the addresses for them. Where do i start? Are there any templates of any letters i can send to them? Thanks for any help or advice.
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Experto credite letter- not my debt
I didn't really know where to post this question ! I have had a formal looking letter from these people saying they are chasing a debt of over £1,100 for Npower, the debt is in the name of a company my ex liquidated some years ago. The business was registered at this address, but folded without debts- this is my home and I…
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Experian Praise (Yes, really!)
I just wanted to compliment Experian for their efficiency. I paid for a Statutory Report last month and found some things I wanted to change - one financial association and two linked addresses. I contacted Experian via their web-based reporting service and within three days they have made the changes. You may say that…
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Credit limits - do they impact in any way?
Hello, First of all, please let me apologies in advance if this has been posted elsewhere. I can only snatch a few minutes of personal time at lunchtime and haven't been able to read through all the threads. So, I recently realised that credit scores are worthless. (Thank you!). However, up until learning this I was trying…
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2x AP Markers - will this stop me getting a Mortgage???
Hi, just looking for a bit of advice! Basically i had a Barclays graduate account with an overdraft of £2k. I was within the overdraft but the account wasn't being used - i had a different current account with Barclays. I moved house with my wife in Sept 2013. We both went into the bank and changed our address. In Nov 2013…
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Credit Improvement
Hi, I wish to improve my credit rating after finally growing up, getting married and wanting to be more responsible. I've had a pretty poor rating in the past and thus I decided to sign up to Experian. I noticed I had three negative factors, one being I'm not on the electoral role, another being no successfully settled…
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Electoral roll showing as red
Just wondering if anyone can explain to me why my electoral roll with Equifax is now showing as red, when I haven't moved?! It says that my time on the electoral roll is 5 yrs when it should be 17 and that my address is unconfirmed at present. I plan on calling in the morning but just wondered if anyone has any pearls of…
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can eon really do this!!
Hello, im new on hear but so stressed out im hoping someone can help :mad: recently i had 2 late payments WITH A DEFAULT on my credit file for both gas and electric with eon for the months aug, sept, October 14. Ive been calling (many times) as the information is wrong. Ive checked the accounts and all payments are up to…
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cancelled service - overdue payment
Hello, I have cancelled my broadband subscription last month as required by T&C (with proper notice) so I have no longer active home broadband internet (as of end of October). Few days after I have submitted my notice a new (automated?) bill was produced for November - (advanced payment the future month ) and send to me in…
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Defaults
I want to improve my credit rating as it is very poor at the moment. I have several old defaults on my file from pay day loan companies. How di I go about dealing with these? If I pay them will they change from default to settled? Will I be able to pay them in installments or will I have to pay the whole balance? I am…
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When will cleared defaults be reflected by credit score?
Hi. I've been trying to clean up my act financially for the past year, and last month cleared the second of two defaulted accounts which have hit my credit rating very hard between them. The fact I have settled the accounts is reflected in the profile, but this has had no effect on my credit score at all - how long should…
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Credit File and Arrangement to Pay
Hi All, As mentioned in a previous post (https://forums.moneysavingexpert.com/discussion/5070126), I was on a DMP with Payplan between 2005-2011, with all debts being settled and satisfied in Feb 2011. How long does an Arrangement to Pay stay on your Credit File, please? Cheers!
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Default on Lloyd's account - PLEASE HELP!!
Hello everyone, I really hope someone will be able to advise me in the following incident. I opened a current account with Lloyd's in 2098. Never had any issue. In august 2012, I moved to the states for one year. My current balance was £0. I didn't not plan on using my account abroad and therefore did not think it was…
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Re building credit and car credit
Hi, After years on a Dmp with lots of defaults, I paid all my debts off in jan 2013. I then got a vanquis credit card and have been using it well, as a result my credit limited has now been increased several times. I also have a three contract both three and vanquis have never had a late payment. In jan 2014 I wanted to…
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Shop Direct Finance Ltd - Odd Search on Credit File
I am looking to apply for a Mortgage soon, and thought I would look at my Credit Reports from Experian, Equinox, and Call Credit to see if they were OK. A number of issues came up: 1. I have a CCJ; see separate thread about this, I'm working on it! 2. Equifax were linking someone with a similar name and DOB, who had moved…
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Can't be right - can it?
Mortgage Express sends me a letter, end of August, saying "We've changed ou bank account details - sorry we didn't inform you in time. So your standing order may be returned, and when that happens just make your normal monthly payment into the new correct account. Sorry again it was our mistake" All fine, that does happen,…
