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Clear creditors defaults
Good evening. I've just checked my credit score for the first time in about 7 years. It indicated that I was responsible for a debt from sept 2009, some sort of home credit which I'm not aware of. At present it displays a default notification from Lowells form Apr 2015. Should they still be trying to chase/ enforce the…
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Is it date of account closed or date of default
Hi, I have been on the phone to the credit reference agencies, the original creditors and the money advice service. None of these can give me a straight answer so I am hoping one of you knowledgeable lot might be able to. I had accounts default in September 2011. On my credit report it reports this along with a closed…
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How to start credit rating from scratch
Hello all! I'm 26 years old and have just returned from living in Australia for 7 years. I have been back for 3 weeks and have gotten a pretty great paying full time job and have already got a new flat that I'm moving into in 3 weeks. My question is, I don't have a credit rating at all because I haven't been here in 7…
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Joint Barclays Basic Account and Credit File
HI all, My partner and I would like a joint account for ease of sorting our bills etc. My partner has a bad credit report and score I am aware from advice from other users of this site that having a standard joint account could harm my credit rating if I was connected financially with him. I spoke to Barclays and they…
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Accounts not on my credit report
One of my bank accounts and one of my credit card accounts do not appear on my credit report. They are both over 40 years old with a modest unused overdraft facility on the bank account and a large credit limit on the credit card. I will be looking for a new 0% balance transfer card when my existing ones run out. Will it…
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Can an old debt be re-added to credit record?
Basic background is 9 years ago I separated from my ex partner, it was an extremely rough time and I ended up defaulting on several accounts. However I come to an agreement with all debtors and setup monthly payments (bank account overdraft, 2 loans and 2 credit cards). I never received any communication from these since…
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HSBC or 1st credit?
Hi guys looking for a bit of advice :-) Back in 2010 I opened a student account with hsbc who also gave me a credit card with a £500 limit. Unfortunately my girlfriend fell ill in 2013 and passed away leaving me to care for our 2 year old son. As you could imagine I fell a little bit behind with bills ect. Here's the thing…
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Can I clear a default off my credit score??
Evening all A few years ago, I was silly and took a mobile phone contract out in my name for my partners. She decided to run up a huge bill while she was abroad that I couldn't afford to pay. The phone ended up getting cancelled etc and the debt passed on. Which I still couldn't afford to pay. My partner then told me that…
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Making a Small Claim to recover money owed
Hi Apologies if this is the wrong place to post. I loaned money to a now ex-friend in April 2015 and they promised to repay all of it, £97 per month. They paid me every month until July 2017 when they suddenly stopped. I tried all ways to make contact but they've blocked my numbers, etc. I've sent texts from a different…
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Default Notices Question
I just wanted to ask a question to clarify something. Before a debt can be sold on to another, am I right in thinking that the original creditor has to place the account in default and send the debtor a default notice? If this isn't done, does it then make the sale of the debt legal or not?
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Financial Disassociation
Hello I was hoping to get a quick bit of advice. I have a financial association on my account from 2012, just a joint utility bill with an ex. It closed in 2012, no balance. 1. I'm concerned that if say he went bankrupt or had CCJs that could negatively affect me, even after 5 years with no financial association. Is this…
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Always need to send proof of identity
Hi Looking for some advice. On a couple of occasions I have been asked to send additional proof of identity and address etc to obtain credit or in today's case to cash in a save as you earn share plan. I've been at my address for 2 years 6 months now and the previous one was there 2 years. This has happened to me on a…
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Default for PCP car payments
Hi everyone After some advice regarding a default for missing the car payments due to redundancy. Built up a few arrears last year however have been making the regular payments plus the arrears for every month this year January up until now. The last arrears payment was August last month so back to the normal ongoing…
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Tracing CCJ
Hi I have been looking at my Credit File and noticed there was a CCJ applied some years a go that is showing as not satisfied. I need to track down who it was for and how much - I'm sure i paid it but it says that the payment has not been settled however there is no details apart from a case reference. Is there anywhere i…
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Debt collectors for previous occupants
Sorry I don't know where best to post this!! As per title we bought this property in November 2016, and in about June the previous owners postal divert service finished so we started getting letters for them which we put back in the post return to sender etc. Often the postman would re-deliver the letters that had been put…
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Nationwide supposed missing payment
i have a new mortgage with nationwide - got the letter and stated the date the payment will come out and how much. date: 28th aug - amount £1070.43. so i had that in my barclays account waiting to be collected. on the side I open a nationwide account and also put in my emergency savings fund in it. 29th / 30th / 31st of…
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MSE entry on Experian.....
I've just checked my Experian file and have a very weird entry. In Linked Addresses, I appear at an address in Greenwich, SE10, itself then linked to what is now my old home address in Maidstone (we moved as of Aug 16). The Date of Information is 14/8/2015. The Source is "MONEYSAVINGEXPERT". Clearly I'm not going to give…
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credit card for bad credit rating advice.
Hi. I have just got a new credit card to try and rebuild my credit rating and would just like to know the best way to keep it clean. Will use it like once a week to pay for the weekly shop but want to clarify to best way to pay it off. Should I.. Pay it off immediately after I spend on it (i.e pay for shopping one day then…
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Incorrect court history on credit report!
Hi - I've just been going through my credit report and found 2 x CCJs which are nothing to do with me! I think it may be a family member with a very similar name to me and who I used to live with so we had the same address. Is there anything I can do to remove these? 1 of them says it was finished in 2014 and the other is…
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Credit Score Tips for New Young Professional
Hi, I am a 22 year old graduate with a new fairly well paid full time job starting in september 2017. Within the next 5 years or so I would like to be in the position to get a mortgage for a house and want to get off on the right foot with my credit score. To all more experienced members please advise me as you would…
