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Guidance
Hi. Just a bit of guidance needed. I have been stuck in my £3500 overdraft for 3/4 years now and finally took the decision to make a money transfer from a Virgin Credit Card at 0% as I was being charged £45 a month for the overdraft. I did a credit score check before the money transfer and it was 890 which is quite decent…
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CCJ problem
Hi can anyone please advise me on a CCJ problem. I went to court last week after filing an N244 to set aside. The judge granted to set aside as I never received it through the post as I had moved. He has given me 2 weeks to file a defence but said I should try and settle the matter out of court with the person concerned.…
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British Gas Trading littering report with multiple credit accounts!! Ruining score
Hi All, very frustrated with British Gas! Here is an extract from my report: Utilities BRITISH GAS TRADING 1 Months BRITISH GAS TRADING 1 Months BRITISH GAS TRADING 3 Months [Closed] BRITISH GAS TRADING 8 Months [Closed] BRITISH GAS TRADING 6 Months [Closed] BRITISH GAS TRADING 7 Months [Closed] These entries were caused…
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Lowells ! Help
Hi, my son has received a Lowells debt chasing letter. The debt isn't his , he doesn't even live at home and hasn't lived here for many years so we sent a "prove it " letter. Reply came back today with a list of his alleged purchases and dates . What is next step? How do we prove the debt is nothing to do with him?
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interest free credit for 6 months
I recently wanted to purchase a cooker using the sellers offer of 6 months interest free, however I was refused because they said my income was too low. I am on State Pension circa £600 per month, I own my house, my credit score is nearly the maximum. My question is, how can I get credit for these smaller items?
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Scottish debt issues.
Ok, I contacted Lowell about disputed debts recently and they were different than I thought. The short way of saying this was I had identity fraud over a period of about a year 6 years ago, for credit taken in Scotland whilst I was at time and still do live in Scotland (so simpler than I thought) One is credit card theft…
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help!!
I'm waiting to exchange contracts on my house and am going into rented. I went bankrupt in 2009 and on looking at my credit file it is off my records but now I'm filling in the reference forms and they want to know if i have adverse credit history. Will they turn me down when I tell them?
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Dodgy CCJ help
Hi all, first time poster ... I recently discovered I have a CCJ issued from a year ago. After some digging it turns out to be a private parking company that manages the car park of the flat that I rent. This company was ticketing me even though I was displaying the pass issued by them. I wrote to them with a copy of my…
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Strange tactics from debt collectors
Ok so a few years ago I was a victim of identity fraud, lets say my name is Joe Bloggs credit would be applied for under like "James Bloggs" or "James Blargs" i.e similar sounding names I recieved a letter for lets say "James Blargs" today and knowing it was a name used by the identity thieves in past I opened it and it…
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Maras credit check for tenancy;what happens if you fail?
Was wondering if anyone has dealt with Maras before? My OH and I are looking to rent a property with Placefirst. Their full reference and credit checks are carried out by Maras. I know that we'll both pass the reference checks, however my hubby has a CCJ and will most likely fail the credit check :( Does anyone know what…
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Creditwise, powered by capital one
I found out I could get a free score (means nothing we all know). I registered and they said online we cannot give you access until we have carried out further checks. This was over a week ago. I was just curious whether anyone else had encountered any problems. They do say they can give you access straight away but…
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Does an exceede credit limit for >24 hrs mean a bad rating?
Hi! Ok, daft situation. I've been traveling, and my aunt set up a rental car for me at the airport. I knew I needed to lay a deposit, but they slapped on a full €1100 deposit and a €60 fuel deposit on my credit card, which took me from a £0 balance to £30 over. My bank (Lloyds) sent a text, I rang up and made a direct…
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Can a default be applied for a cc under a dmp but minimum payments were made.
Hi guys , My apologies if this is in the wrong section. 4 years ago I had some questionable financial advice and started on a dmp. At the time it seemed like a good solution as it allowed me to clear my debts (about 12k 7k on the cc) much quicker and it gave me motivation to clear the debts rather than just service them. I…
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Default/Closed Account (Duplicate)
I'm not sure if it's standard practice to have two entries, I'm still learning and trying to fix my credit worthy status. I defaulted on my Barclays credit card in 2012, however I have two entries on my credit report, both representative of the same account: one shows in Closed Accounts and the other in Defaulted Accounts.…
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Ccj disappeared from experian
Hi I had two ccjs on my credit report (and still on equifax) one June 2012 one Dec 2012 both settled a year ago. Well on checking monseysaving expert credit report the June 2012 one has fallen off but it was only 5 years old has this happened to anyone else ?
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Does paying a mobile phone bill early have a positive impact on my credit report?
My bill was generated on the 20th and is set to come out automatically on the 27th. I have paid the full amount manually, will this have a good substantial impact on my credit report as it shows I'm reliable and trustworthy?
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Credit file shows "Your Borrowing Power is low"
As per title What can I do so that this won't affect my file negatively? Is this only an indication and outcome of my reported income with the bureaus and nothing else? I make 50k a year and have 4 credit cards which I use moderately. Rarely over 35% of their credit limit.
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Equifax query
Hi All, Just wondering if anyone would be able to help clear this up for me. I've just had an alert on my equifax credit file under a Deleted Court Data Summary - a CCJ for an amount I am in the process of repaying. The reason I am a bit confused is because under the Court Information tab there is/has never been any…
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how can i improve credit score/rating
hi need of help of improving my credit rating my credit rating is not brillant as becuase of previous mobile contract debt went messed up so now im currently trying to.improve make better what things could i do to improve my credit i currently have a sim only contract and direct debits for contract and gym going out my…
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Can unpaid gym membership show up on credit file?
Hi I moved places and signed up for a new minimum 12 month gym membership in early February. Long story short, it worst the worst gym I've ever attended, hot water rarely working in the showers, closed areas due to classes, sauna/steam room very often out of order, rude staff,.. Complained several times and didn't get very…
