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IVA completed but credit company still defaulting account
I have recently completed my IVA and whilst checking my credit report I realised that despite the IVA coming off my credit report, two of the companies included in my IVA are still up to this date defaulting my account. Despite numerous calls to both of these companies (i.e. Barclaycard and The Post office) and asking for…
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Wrong Information on my Experian Credit File!
Hi All I have had incorrect information put on my file by experian. The reason being my father has the same name and they do not check and have put on my file, I have raised this issue asking for it to be removed yet they want letters from my father, court letters etc and as we do not speak anymore this is going to be…
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Help with this account
I am really looking for some help. I recently changed addresses (April 2017) and told my bank (Santander). Unbeknown to myself I my regular payments were not going in to the account and the account was going over its overdraft (ended up at approx £105 over the overdraft). As they didn't update my address they were sending…
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Very Confused! 'Closed' accounts??
Hi all, I'm new to the forum and trying desperately to sot out my mess of a financial situation! So, I have approx £30k of debt (some joint with my husband), we are paying some off at £1 per week but have ignored this situation for so long, i have no idea which debts these are, just that they leave the bank! Today i did a…
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High charge card balances - good or bad?
I'm the sole director of a ltd company. My income is about £33k from the last tax year's Self Assessment. In recent months, the company is growing, and I'm running as much as possible through a supplementary card on my Amex charge card account for the points. I've been with Amex since January 2015 and generally put about…
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Credit Score getting worse not better... help!?
Hi all, I'll open with a quick summary, I completed a debt management plan in January this year. By April my credit score had risen to 550 where it has stayed since. At the start of this month I had a default date changed from August 2015 to the correct date of February 2014 (still waiting for this to show on my file). The…
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Credit Club - Affordability Score Low - Why?
Hi I use Money Saving Expert’s Credit Club to check my Credit Score. All is well, I have a score of 991, however one area is puzzling. My Affordability Score is: C/Card is Fair Loans is Weak. We have a joint income of £56K, a mortgage of only £321 per month and no loans. - Two credit cards, one used for everyday purchases…
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Preventing ongoing/current fraud
Hi all, I currently have an issue with fraud and I have no idea of how to fix this. I've discovered I've had multiple accounts opened in my name including store accounts, credit card applications and one successful credit card account being opened. I have filed a fraud report online but as no money has actually been taken…
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Would Eon not taking payment effect my credit rating?
I've recently had a new boiler installed by Eon. The payment option I chose was to pay a small deposit and then the rest of the balance a week after the work was completed. On the contract it says that Eon would call me to arrange the remaining balance but I haven't heard anything from them. I've tried calling them but…
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Defaults impacting credit rating
I know that defaults stay on your credit file for 6 years, but in that time do they have less of an impact? I have one default dating from October last year, put now all my debts are completely paid off and me and my partner are saving to buy a house. Will this default impact on my ability to get a mortgage until it drops…
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MSE - Credit Club
I had used this a couple of weeks ago now 8 searches show up when I log into it from mse, 7 of them for the same day is there anyway to get them cleared up as it looks a mess i cannot understand why there are is not just 1 or 2, 8 seem over the top for identity check?
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Hard Credit Searches
I copied this from Clear Score site. According to them the potential lender has access to your score. However a lot of contributors on this site say differently. " Hard searches (also known as hard checks or credit application checks) A hard search is when a lender takes a full look at your credit report (and score). This…
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Received a claim form
I was hoping for some advice regarding a claim form received yesterday for a credit card debt of £700 that defaulted in 2014. The claim comes from Lowell Solicitors on behalf of Lowell who purchased the debt from Vanquis. When I received a letter showing their intent to claim I sent a tracked letter back asking for…
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Paying off Debt in full
Hello, My wife and I have been in debt up to our eyeballs for the last few years and are currently on a DMP with Stepchange, we have just inherited some money and want to clear our debt. Our credit score is poor and we want to improve it ASAP, are we better off paying each debt in full or could we try to get a reduced…
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Guaranteed Finance
I applied for finance today as I am purchasing a caravan. I read that I had to pay a 20% deposit. The company said that they wanted 25% as this was the rate for guaranteed credit. I left the 25% as I thought that it meant that I would definitely get the finance for my holiday home that I so desperately want. I have been…
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Default dates dmp..not registered when should have been
Hey I went onto a dmp with step change 2012 all paid either in full or partial agreed settlement anyway majority of debts ie barclays and Barclaycard registered default at this time and have or due to fall off but natwest, Argos and next have all registered at random stages but mainly 2013 and 2014 ! Can I have these dates…
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Name Change with Experian
Hi I have recently been in touch with Experian to change my address after moving house. I realised also that my married name was not showing and neither were any of the credit accounts linked to it. I updated all of this information immediately and then couldn't log back in as it was showing they couldn't verify me. I…
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Question .Help please ...
Hey im 17 years of age and have never owed any money to anyone ... seeing as im 17... but today i got an email saying i owed lowell portfolio £374.03. And it says if i dont give then it by 25th august they will come to my house... seeing as im 17 i clearly dont have the money to give them this . But even if i did, i dont…
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Debt agency - attachment of earnings
Hi. I am not sure if this is in the right place but couldn't find one that looked more suitable. About 8 years ago following a dispute with a landlord, I moved out of the property owing some money. When I left, I sent an offer of £100 per month against the arrears and asked for a breakdown of exactly how much was owed. The…
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Payment plans arranged with all creditors
Hello, Thank you for all the advice I've received here recently. I have now arranged payment plans with all my creditors. I understand I can make an offer to certain creditors under certain conditions. My debts defaulted around a year ago, so would this have any negative repercussions if I did this? (My credit history…
