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Issue with cahoot credit card and my credit file
Back in 2010 I entered a debt management plan with 3 credit cards and one loan. I was irresponsible at the time and accept that I did wrong. I have dutifully paid into my debt management plan for 7 years and am now all paid off. Two of the accounts defaulted pretty soon after I entered the DMP and they've now fallen off my…
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Old Default
Hi all, Just wondering if anyone can give me some advice regarding an old default I have. I defaulted on a credit card back in Jan 2012, this CC has been with a few different debt companies since it defaulted. It's currently with Arrow now who are terrible to deal with, the original debt is around £2,700. Back at the start…
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Defaults on file is this correct?
Hi everybody, I know very little about CRA and how it all works! Bit of background - I had myself in an awful financial mess between 2010-2013 and finally only getting it sorted out now in the past 6 months. I had edged towards a debt relief order but was fortunate enough to become in a position to offer full and final…
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Anglian Water 'Arrangement To Pay'
Hi there, First time poster here. I've been trying to sort out all of my old debts and begin to get my credit score back on track and have just recently made an arrangement to pay back a debt from Anglian Water which was marked on my Noddle report as 'BB' and '6' in September 2016 but was never registered as defaulted. The…
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advice on credit
i have been looking on line concerning information on credit cards and mail order companies. i have couple of credit cards which i need advice on as I'm paying them off would it be better for me to close these or keep them open? as i don't want to much credit. and also i want to improve my credit score. also i have little…
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Credit file error!!
Hello everyone, I'm in the process of renting a house and they are doing credit checks at the minute, I've just had a look at my credit file and Experian have added a ccj??? I've never had a ccj my name is Richard but this ccj is registered to Stuart? This stuart has the same sername as me so how do I go about this, I've…
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Financial association soft search
Hi all Thought i was quite clued up on credit files but apparently not. I completed a mortgage DIP through TSB which is a soft search facility. I then downloaded my credit files to forward to my broker and me and the wife are now linked. I thought only hard searches could create financial links? Its not a problem but could…
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Creditor refusing default notice
I have an issue with a creditor not supplying me with a default notice. When this creditor took over the running of the debt on the 30th May this year, a default notice was never issued. When I wrote a letter of complaint, I quoted section 87,88,89 of the consumer credit act 1974. The creditor replied saying they are not…
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NatWest student overdraft default
Hi, I had a NatWest student account at university with a £500 overdraft, when I graduated I was using about £490 of the overdraft. I moved abroad for work and NatWest put charges on my interest free student account overdraft which meant it went over £500 they then added multiple charges up to £1100 and the account then…
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Default help please
Hi there, Apparently Barclaycard sent me a letter back in June to tell me that I had a month to settle my arrears or my account would go into default. I never received this letter and have since had my account placed into default. I have contacted Barclays but they are refusing to remove the default. I entered into a DMP a…
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Credit rating for stay-at-home mum!!
I was wondering if someone can advise me on my credit rating. I can't surely be the only woman (and perhaps in future it will relate to non-working stay-at-home men) who is having a problem with opening accounts etc. Even the MSE Experian does not recognise me! Firstly, I have lived in my current address, with hubby, for…
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Didnt receive CCJ - now on credit rating
Hello, looking for some much needed advice! I have had a parking fine with Excel Parking/BW Legal services and on April 7th 2017 received a letter saying they MAY enter a County Court Judgement against me. I have since heard nothing from them or anyone else. Last week I applied for a credit card to rent a car abroad and…
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Credit card ccj
I have just found out I have a ccj from a credit card. I last paid something towards the debt 6 years ago. The debt is for £828 and I'm slightly worried about bailiffs. Would the court send bailiffs for a debt this low? Any help much appreciated
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Default debt repayment
Hi everyone, I have unfortunately defaulted on an old student overdraft, I moved address and did not tell the bank which meant I didn't get any of the letters they sent me about the potential default, got a bit of a nasty surprise when I finally went into the bank to discuss the said overdraft and found out that the…
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Previous owners credit record
Hi all, I have been in my house just about 3 years.the previous owners left the country and initially had bailiffs and credit card bills and all sorts.i initially put them back in post saying gone away but after about 12 months just threw them out. I have now started to get post again. I accidentally opened one today which…
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A bit of a dilemma
Hi All, I have been a lurker for many years I have to admit, and have taken heed of much of the advice! My current situation is this; I have recently split up with my long-term partner, but we still live together (his house, owned outright, no mortgage and all utilities etc. in his name), I am registered on the electoral…
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Unused credit cards
Hi all So I have a couple of credit cards that I no longer use (I still have one that I do use, although there is nothing on there as the moment) In terms of my credit file and rating, bearing in mind I wish to apply for an AIP soon, then hopefully a mortgage, does it look better if I have active credit that I am not…
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Default from vodaphone on my credit score
Hi I'm having real difficulties with vodaphone UK, I've noticed a default notice on my credit score from 2014. I've tried multiple times to get to the bottom of it but keep getting told that I they can't find any account with my information on it, so they keep saying they haven't put a default on my file... it's really…
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My credit file when leasing a car through work
As always, thanks in advance for your help! Not 100% sure this is the right forum but here we go.... Mortgage is completing in a few weeks. We desparetly need a new car. The wife can use her job benefits and perks to get some type of discount for doing a three year lease or getting finance on a new car. She works for M&S…
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The interest charge battle/poor credit rating
Hello everyone, I'm just trying to work out if there is anyway I can get a 0% overdraft account with a very poor credit rating. I have quite a bit of debt (£8Kish) and in the last couple of years since my depression has significantly subsided, I have become determined to clear off every balance. I'm trying to work out if…
