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Cabot/Mortimer clark
Hi all, I was hoping someone can advise me on the following subject... I had an old debt with Halifax which Cabot seem to have purchased.this debt became statute barred in 2011. Mortimer Clarke wrote to me with letters saying that I owe money and applied for a ccj,rather stupidly I ignored these letters and was issued with…
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E2Save - cancelled contract
Hi, Hopefully someone will be able to offer advice on the best steps to take. In May 2015 I took out a contract through e2save with the ID network. I then changed my mind and refused delivery with dpd and asked the phone to be sent back. I emailed e2save the date i refused delivery and cancelled the agreement, they told me…
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Accounts reported differently?
HI, Looking for some advice! I have got hold of both my equifax and experian credit reports however there are some discrepancies. Accounts shown as settled with no defaults on equifax are showing as defaulted on Experian? Is this right? Do i need to contact experian to amend this? I had to fight hard to get them removed…
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How to remove old accounts
Years ago I fell for the debt consolidation company promise which turns out to be a big mistake, I now have a old bank account which went into arrears and is really hurting my credit score. turns out I was paying the debt company money and then they were paying a small amount to each of my credit card companies.. however I…
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Non Exisitant Credit File
Hi, I'm 26, was employed until from 16 year old to 22 where I left work to raise my son. Never had credit in my life as always outright purchased everything. I pay my OVO direct debit on time month after month and had the same bank account since a very young age, Applying for credit I fail, trying to search for my credit…
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Default Notice not received
I have a default notice on my credit file which I was previously unaware of. I have issued a complaint to the creditor who advised that the default notice was issued by email in January 2013 - they state they are unable to provide a copy as the default email was sent as a batch email to all relevant customers. I have…
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Legal advice
My partner has suffered substantial financial hardship, not to mention a great deal of stress and anguish from an emotional and practical level, as a result of a colossal error made by Barclays Bank plc. Without sharing all the finer details at this stage, the crux of this error is that despite settling a debt to Barclays…
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Would you demand your money back?
Hi, I've been paying Experian Credit Expert £3.99 per month for their monitoring service. I was told when signing up in 2014 that I would receive email notifications if anything dodgy flagged up on my credit or ID details and nothing was ever emailed to me so I thought everything was fine. I recently cancelled my lost…
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Debt not recognised - Removed by Creditor under commercial decision???
Hi Everyone, Im new to the Forum, so please excuse me if I have posted this in the wrong section. Last year after I moved in with my partner I obtained my credit report, I noticed 2 credit cards that had defaulted, Capital one and vanquis. Now these cards were not taken out by me (I had an idea who did though) I spoke to…
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Thinking of paying off a lump sum
Hi all, Does anyone have any idea how my credit file will be affected if I paid off a long term loan (Car PCP) of Approx £8,000? Does this amount, with no late payments etc, increase or decrease my ratings with the agencies? Reason for asking is, a few years ago I reduced some overdrafts as I didn't need them, from £500 to…
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Late payment on my credit file
I have been checking my credit file in preparation for applying for a new mortgage to move house and have noticed that Virgin Media have added a late payment for the final month I was with them in 2011, this account was set up on direct debit and I have just checked my account and the final payment was made to them around…
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Waiting for a Experian company representative
I am creating a new thread just so the title is more obvious and no Experian company representative can say "I didn't see it", and to make it more focused. So everything started on 26-12-2015, with me informing Experian of this problem that affects lots of people:…
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Partial Settlement - how long on credit file
Hi folks, I have 4 old credit card debts, with default dates of 2010 & 2011. I have been offered reasonable partial settlement figures, which I am thinking about accepting. My question is about how long the details will remain on my credit file. I understand the defaults will show (even if the account is closed) for 6…
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Failed credit check for new phone contract, will it affect credit score?
Hello all. My sister recently applied for a phone contract through Carphone Warehouse on Vodafone. She got a message saying she had failed a credit check. I'm really not sure how that is possible as she is pretty much perfect with money, has a mortgage, car lease, utility bills, never missed payments and tonnes of savings.…
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Judgement on File
Hello My husband has just just sent for a credit report from Experian. We had a judgement from a Utility Co. The Judgement date was 15/8/08 and satisfied on 30/7/2009. The judgement has now "dropped off" my credit report & also my husbands in 2015 (They were under Public Information) But on my husbands (not mine) credit…
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Terminology to help with a credit report complaint
Hi, I'm wondering if someone would be able to give me a bit of help with some wording on a complaint. Basically I recently viewed my credit report and noticed a default being reported by British Gas for unpaid gas and electricity every month from March 2012. They are also reporting the accounts twice so it shows us as four…
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20 year old Talk Talk account suddenly on my CR!?
Hi everyone, first time post, ive long been keeping half eye on my credit file just to see where things are up to, and nothings ever been amiss. That is until this year where last week i login to my "clearscore" app (equifax) to find, to my shock, that there is suddenly a talktalk account listed under my telecomms…
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Why can't you reduce credit limits online
I am interested to know, why when applying for credit/overdrafts etc you can always apply online to increase limits through the accounts whether they are banks, credit cards on the online account yet there is no facility on any of these to request a decrease and you have to either phone a helpline to talk to someone to say…
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Credit rebuilding cards- help please?
Hi I'm new here but hoping that someone might be able to help......? When I was young and stupid I got into a lot of debt but managed to pull myself out of it and had a really good credit score for years. Everything was great and then in 2013/14 things took a bad turn and through various circumstances I ended up back in…
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Credit file and bad credit
Hi Forum, I have a history of bad debt but debt management plan was satisfied in July 2015. Except for £75 on 1 credit card, which is paid in full each month, I have no credit at all. I am wanting to get a car from a dealership but am struggling to get finance. How long does it take to "cleanse" my credit file? I know it…
