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payment taken
Guys please post this as a new post as I am new to this site and have no idea how to start a new thread. Long story short Open my bank account on my phone app this morning to discover £36.00 pounds had been take from my account by westcot Number one (as appeared on bank statement) the trouble is I have never heard of them…
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How long to register on the Electoral Roll?
I moved house in August, filled all the forms to register at the new house for the electoral roll but checking my CheckMyFile account it still hasn't been updated and is showing not on the electoral roll. I have been trying to repair my credit file for some time, and had been making good progress at my old address, but now…
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Credit Report Confusion
I've just got my checkmyfile credit report and I'm super confused both of my Satsuma loans listed as provident list late payments - but not default and show the accounts as closed and settled with a balance of zero. I've never made a payment on these. Does this mean it will stay on my report but I don't have to pay? Sorry…
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CCJ advice
I'm hoping this is in the right section..... Today I received a letter from a debt collector stating that they had sold my debt on to another collector so I checked my credit report and discovered that I have a CCJ. This was filed in February 2014 to an address that I hadn't lived at since mid 2010 and even that was only a…
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Vodafone default on credit file.
Right please bare with me as I'm new to not only MSE but forums. Lately I've decided to sort my finances as I'm beginning to think about the future as I'm 22. So I signed up to a credit report website only to find that my score is awfully poor. A large factor of this is a default on my account from Vodafone. Now this is…
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credit help.
Hi, I'll try to keep this as brief as i can. Basically my credit rating is pretty poor. I've never defaulted or missed any payments (all that is perfect on my file), and I have just finished paying a £5000 loan off with santander. Again all perfect, no missed payments, no defaults. I have 2 credit cards, 1 with a £1300…
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Old sky card debt
Hi there Checked my credit file for the first time recently to hopefully become debt free (fingers crossed) and its showing an old sky credit card (transferred later to Barclays). I've been in touch with Barclays who told me that it s been on file for years, and that 6 years had gone by in September 2015 which meant it…
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Energy Company incorrectly put defaults on my credit file
Hi there, I'm new to this forum so just wanted to firstly say 'hi' and hopefully get some advice on a problem that I've been dealing with. I will try to be brief! 2 years ago, I rented my house out whilst I moved abroad and my letting agency liaised with my utilities company to advise when new tenants came and left and…
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Default says balance is 0
Hi all out there.... A few months back I decided to do something about my debt, so first step was credit expect to check my credit score !! I wanted to set up my own DMP. That's when I noticed that a Wonga account which was defaulted was Saying my balance was 0!!! So I contacted credit Expert to make sure it wasn't a…
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Very old debt
Checked my Experian report and there is an old current account debt with IF.com from 2001. It defaulted over ten years ago. I was paying £10.00 a week until I changed my own bank account. Rang IF.com and said to ring their collections dept. Did that and I was put through to the Phillipines who said they have no record of…
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help with improving credit score
Hi there, I'm currently saving to get a mortgage on a house. I've been looking at my credit score for the past few months and as far as I can see it's stagnant/ slightly in decline. I have a credit card but because I have such poor credit from never borrowing before I could only get £250 on it. This is fine for me I only…
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Need help understanding my credit score.
Hi All, I'm going through the process of getting a mortgage currently and checked my credit score around 6 months ago and it was 'Good', the only thing going against me was having a new credit account opened in a certain time-frame - due to me switching energy suppliers. I have checked it today and it is now poor, and the…
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Impact of searches - when does it wear off?
Does anyone know how long it takes for the impact of searches to wear off your credit file? I know all banks will have their own rules, but a rough idea would be enough. For the context, I'm thinking of jumping through the hoops and collecting the various switching bonuses which would involve opening and closing about 6…
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Challenge in an ombudsman ruling in court
Has any one on here had any luck getting an ombudsman ruling change in court please, had a free appointment with a solicter they say it s good chance of getting my accounts( mbna arrangement 12 plus 6 years) overturned as it breaks the rules on credit reporting,worrying about the cost
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Credit check footprint (For mortgage)
Hello! this last year iv been a tad silly, i applied for an overdraft (obviously credit checked me).. but then applied for increase a number of times, do they check each time? (im with barclays) anyway, now iv paid it all back and want to cancle to Overdraft, do they check again when i cancel? I ask because in april i want…
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Full and final settlement
I recently agreed with my bank a full and final settlement for long term debt , i paid the agreed amount and now i have been sent a letter informing me that i am due returned interest due to an error, the bank has taken this money now in addition to my full and final settlement , can i get this money back ? or at least…
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Very/little woods order processing
I recently set up a very credit account and got a credit limit of £300. I purchased a order on there worth £291 on Saturday. It is now Monday and it is still saying order processing... Am I going to get rejected? What should I do ?
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"Telecommunications Supplier"
Hey guys, On my mums credit report it has flagged up with a default for around £800. The lender is listed as "Sigma Red" which is a debt collecting agency and the type of debt is listed as Telecommunications Supplier. I have no idea what this could be and I trying to refrain from engaging with Sigma Red in case that just…
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Credit File - Defaults
My credit report (Equifax) still shows 2 defaults from 2009 on it. These are seriously affecting my credit rating. I thought that defaults dropped off your report after 6 years of the default date. I have contacted Equifax but nobody has got back to me yet. I also have another default due to drop off in February, once this…
