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BT Default but not my house
Morning I got a letter from BT saying they are passing debt to debt collectors and putting account into default. I never had this account and it was my EX house who opened the account 6 years ago in my name and i wasnt aware of this. She has been paying this for 6 yrs until she changed account names and wouldnt pay the…
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Phone Contract 14 day cancel
I recently ordered a ordered a new phone contract with ee via mobiles.co.UK. After receiving the phone I discovered my area had no signal what so ever so I contacted mobiles.co.uk and asked them to cancel the contract using the 14 day cooling off period and agreed a new contract with a different provider. The next day an…
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Credit Check for Reducing Overdraft !!!!
I have filed a complaint with the Financial Banking Ombudsman due to my bank and most peoples banks doing a credit check when clients are asking to have their overdrafts reduced ( in my case by £100 a month ), while i think asking for an increase merits a credit check it should not apply for a reduction . Its almost like…
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Harrington Brooks
I heard a few things about Harrington Brooks but not sure if there fees and set up fees are worth it while it might be easier going to step change. What's peoples thought on them how are using them?
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Partial Settlement
Hi All, I have recently been in talks with a solicitor who took control of an old debt of mine for £1600, I had defaulted on it and was trying to make arrangements with them to pay in installments. I eventually offered a full and final payment as a partial settlement of £1300 which they accepted, they agreed to this and…
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Debt management plan
Hello Due to my ex leaving me in a bad financial position I have a debt management plan. I'm trying to pay what is owed as I'm getting married next year. I am concerned this will be a problem in me being able to get a mortgage with my fiance. Can anyone help with my query please? Also I've been told this will be on my…
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SOuthern Water Default
Hi All, I've recently discovered that Sothern Water have issued a default on my credit file for an outstanding amount of £214.82 even though I had made a partial payment of £77, I've had no correspondence from Southern Water to say they are going to enter this onto my credit file and I'm not sure that they can legally do…
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Credit score and part settled debt
I have been trying to get my credit score up for a while and have had no luck due to having a payment arrangement with a credit card. I finally managed to save and borrow enough to make them an offer to settle the debt at 50% which they accepted. I was advised that it would show on my credit score as 'part settled'. I was…
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credit score
Hi, Just looking for some advice from anyone with relevant experience or knowledge. Now I know credit score doesn't always reflect a full credit story, and lenders use their own ways to decide if credit will be given. But as a rule of thumb, if for example, a ccj that is due to fall off my file in February, how much of a…
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CCJ help!!
Hi I have just had a look at my credit report and found a CCJ on it from August of this year. I have absolutley no clue where it is from. The reference is HAMPTOB9FW45Q2. Any idea which company this is? This is the first I have heard about it and I am unsure who to contact to sort it. Any help would be greatfully recieved !
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Poor credit rating - no debt!
Hi I'm trying to rebuild my credit score after being in some serious debt. Iva was cleared from credit file over 12 months ago but since then my credit score has actually got worse and has gone from 3 to 1! Any ideas why this has happened ? Thanks
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Default from 6 years ago
Hello i was a student in the UK in 2009. I left after my course finished and returned again in 2011 to work full time. In 2014 I received a call from Lowells saying that I was in default for £28 on a home wireless contract. I have no recollection of receiving any claims for the funds while I was still in the UK. Once I…
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Unknown Mail Order credit on File
Hi I am after some advice as I really am not sure where to start with it all. My parents are in their late 7o's and are of the old school never had credit always saved for anything they needed. My mother has been receiving these letters from a debt collection company saying she owed £517 to Studio Cards I have phoned a…
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E-Credit Plus & Choice Freedom
My mother recently passed away and in the process of going through bank statements and the like, I noticed two lots of £14.95 had been going out of her bank each month. These outgoings would be listed as E-Credit Plus Ltd 0808 234 2355, Choice Freedom 0808 234 0338, YESCARD 0808 234 2355. I decided to call them to let them…
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6 years
I have 2 defaulted accounts on my file that are nearing 6 years old. The chances of me settling them are remote as they are £16k. Will they disappear of my file after 6 years never to darken my door again?
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Phone contract credit check declined
Hi, I've been trying to get a new phone contract since my old phone broke. I have applied with two different addresses at the moment as we are moving house. I tried the new property first (which we have just bought and no details have been transferred over) and o2 said they'd need a £250 deposit for 3 months to process the…
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When will this default be removed?
I realise that a default should be removed after 6 years, I defaulted in 2011, in 2013 the debt was sold off and I then paid it off in full. So according to this image from experian, is it 6 years from the default date, or six years from when the account was sold to a 3rd party? Account started: 28/08/2007 Default Date:…
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How My Credit Cards Affect Me
Hi all, Very new to this so sorry if I have created a thread that already exists.... My question is: How will my credit cards affect my credit rating/chances of mortgage approval? I have three credit cards: one with a 0% outstanding balance (Nationwide Flexclusive), one cashback reward Amex Visa combo that I repay in full…
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Identity Fraud and Credit File Advice
Good Evening, Some welcome advice needed... In June this year I was unfortunately subjected to identity theft (boy did those guys have a field day), I reported and contacted several (reassuring I had such good credit they could go mental) companies to report said crime. I was informed by all it would be investigated and…
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A Modern Conundrum
Today I tried to buy a car, but failed. I failed because the lender saw me as an unsuitable borrower. In 2012, I was a student working on my dissertation. I missed three payments on my £350 RBS Student Credit Card and the bank placed a default on my credit file. This discussion that your credit score means nothing is a…
