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Counterfeit notes victim-credit score effect?
Good afternoon, Today I realised that I have been a victim of fraud by someone who gave me counterfeit notes after I sold a mobile phone. The transaction unfortunately was with cash. That happened yesterday. Today as I was in the counter of my bank to deposit the money...they informed me that the notes where fake and they…
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Utility default
Hi everyone I am new to the forums, I always read the weekly tips and figured I join the forums in hope someone would have advice for me, any would be greatly appreciated! Back in 2011 I had a T-mobile account which I defaulted on, back then I was self employed, struggled maintaining regular work so I ended up not being…
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Alleged debt
Hello All, I have just had a call from a debt collection agency who claim I have a debt with Sky (despite being with Sky now) from an address I was at several years ago. The lady confirmed what the owing balance is as well as saying the contract started on 27th February 2010 and said my last payment was made on 29th May…
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Pet Insurance Default Notice
Please any experience? I'm so worried. Got a default notice letter today from more than for pet insurance. I cancelled my direct debit as I wasn't happy with the renewal. I completely forgot to phone up to cancel policy. Has this already affected my credit file? I am going through the process of getting a mortgage! I am…
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Mortgage company can see things I can't! Random payments on file.
Hi all, I'm going through a remortgage and the mortgage company says there are 2 credit accounts of £113 and £167 on my credit file. We are confused and worried as we don't have any loans & payments for that amount and it is affecting their mortgage terms. I set up an equifax account and couldn't see them. They said they…
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Credit expert (Experian) selling details
Hi folks, I've had a credit expert account for a while and ,like many of you I'm sure, I've been plagued by PPI and accident claims cold calls for the past few months. Every time they call I always ask where they received my details, well one of these companies got their complaints team to phone me a couple of weeks later…
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Tenant referencing with defaults
I'm just after a bit of advice regarding renting credit checks. It's looking likely that our landlady is going to want to put the our house on the market soon, so we'll be on the move again! joys of renting! Since moving in to this house we've gone onto a DMP and have several defaults between us and I have a DM marker on…
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Santander "Gone Away"
So I have been trying to clean up my credit report now all my debts are paid. I have successfully separated from my ex husband financially and this has been reflected with all CRAs. There is no association now. So I was surprised to find a "gone away" flag from Santander - this was put on after it was paid. The address…
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CCJ assistance - trying to find out what's going on!?
Hi Everyone, first time posting so apologies if I'm in the wrong place. Bit of a strange one and I'm not 100% sure what's going on - any help or assistance would be greatly appreciated! I am moving home and a few weeks ago paid all my referencing and so on for the new property (renting). Salary etc and the ability to pay…
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A bit of a pickle!
Hi everyone! In August, 2013, I went travelling. I was banking with Santander at the time. I returned recently and I was checking my credit record to find out I owe Santander £700+. I rang them up asking why and they've explained I didn't cancel a direct debit. From August 2013 to January 2014 (in January my mail was…
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Vodafone Account Reflecting on Negative Credit Score
Well, i have a rather long winded account of what has happened. Basically i had a contract with Vodafone, one month my bill was ... wait for it.. £200. Immediately called them up, i was told to take my phone to the shop as they expected a data leak. They forwarded me to the Apple shop, which confirmed it was a data leak on…
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Rebuilding my credit rating with credit card
Hi this may sound like a silly question but, my credit rating is pretty low and i currently have around £1300 outstanding on a credit card. but i am currently able to pay it off in one if needed, but which would help my credit score more paying it all off now or putting the money to one side and make constant monthly…
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Obtaining credit in false names
Ok so yet another question regards credit file history. I'm trying to clean up mine and my wife's credit file...we have noticed that my wife has two accounts she has never applied for. J D Williams Account opened 13 December 2005 and Last updated 3 May 2011. Shop Direct Account opened 18 December 2006 Last updated 18…
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Late credit card payment
A friend of ours had a credit card from Capital One for his wife and had an outstanding payment of £280. He usually pays between 30-40% each month of the balance. In 2014 they moved house and due to an oversight did not make a payment until he received a letter from a collection agency demanding payment. He got in touch…
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Updating credit file.
Hopefully a simple question. When a CCJ has been settled are the company you have made payment to under any obligation to update your credit file to show the debt as settled. Also same question regards incorrect information entred,ive proven to a company they have incorrectly updated my credit file..shown them the proof…
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IVA what to do now?
Hi Guys. Just looking for some advise if anyone can help.... So I have just finished a 5 year IVA and am waiting on my closing statement which is due to arrive any day now. So now I want to move on with my life and me and my girlfriend are now starting to save for a mortgage. Problem is the bank I have been with for the…
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Does it matter how much you spend on a credit building card?
Hi, Having a credit building card with a very low credit limit is not very practical for daily use, as you will always be very close to your credit limit. That you ideally (from what i've read) shouldn't utilize more than 50% of your available credit makes the limit even lower. But does it really matter how much you spend?…
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Credit for someone else, now defaulted
2 years ago I agreed to help a friend out and get a mobile phone contract for him and then get the name changed later. I remember getting a bill reminder for this account and contacting both orange and the "friend" who then change the account to his name. I had not heard anything since. I have twice in 1 year been refused…
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Who is responsible for amending my credit report?
I am in the process of remortgaging, however when I checked my credit file through Experian it showed a defult from three years ago with Talk Talk. I had taken out a sim only contract for my daughter and after six months she took out her own contract so the sim was no longer used. I kept up repayments for the remainder of…
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Experian & council address accuracy
Bit of a rant really! My wife's Experian score has been bleating about not being on the electoral role, while I'm sat holding both our council letters saying we've been successful at being added. I've since noticed that the council letters all have our postcode one character wrong. I suspect this is the cause of the…
