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Lowell Portfolio Ltd
Hi all. Late last year/ beginning of this year, I got a new phone after breaking my old one. A few months later I cancelled a direct debit to 02 thinking it was an inactive account. I didn't hear anything from 02, untill about September this year with a latter from 02 saying they have sold the debt (£50) to Lowell and also…
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Cancelled TalkTalk account 2 years ago, got a letter from a debt collector yesterday!
Hi all, any help would be appreciated. In April 2015, I cancelled my TalkTalk account, the person on the phone told me that the contract was over and I was to ignore any further messages from them. I paid the last bill and thought nothing of it. I moved out of that property and received no further communication from them.…
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Made an address error in credit application - got rejected - what do I do?
I made a stupid mistake. I got two of my previous addresses mixed up and put the wrong flat number on my previous address and got rejected for credit. I was applying to get the Barclays loan at the Apple store for the iPhone X. I shouldn’t have any other reason to be rejected other than the wrong flat number. What should I…
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Identity Fraud
Decided to remove the post, I just need help exposing loop holes for criminals in the banking system. Making me a victim of identity fraud due to lax security, I’m shocked at how easy it is for somebody to steal my identity and secure goods and credit in my name, only needing my name and nothing else to set up a bank…
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Credit Club: Filling Out 'Monthly household rent or mortgage' field
Hi, I want to get a credit score from Credit Club but I'm concerned about 'Monthly household rent or mortgage' field. I live with a partner, we pay £400 rent in total. Should I divide it into a half and put £200 there? Because I pay half of £400. In 'Personal annual income, before tax' field, I put my income and in…
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Missed 3 card payments - how bad?
Hi, I recently moved house and forgot to change the address on a credit card that I hardly use. Unfortunately the card had a balance of just over £200, that I incorrectly thought I had cleared. The upshot is that I missed three payments. I have now paid the card off, and the account is closed (they said that I could…
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PayPal chargeback Dispute
Hello everyone, recently i have bought around £600 worth of in game stuff on a gamemode for a friend, after his account got maxed out with his limits he asked me to do it for him, after him sending the money in chunks and i buy the stuff for him i find out that he sends as a gift, no problem with that, i know that he can…
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Pre-eligibility checkers unable to match my details
I am thinking about applying for a balance transfer credit card. To check my chances of getting it I have used various pre-eligibility checkers, including the MSE one. Unfortunately, I keep getting the same error message: "Sorry, we can't find your details Sometimes this happens when we can’t match the information you’ve…
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Experian Credit Report Searches
I use the MSE Credit Club to view my full Experian credit report. On the search history tab there are two sections; Searches that may impact your credit score and Searches that do NOT impact your credit score. Am I correct to assume that the two sections are the same as hard searches and soft searches? Therefore, whatever…
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Default removal from credit file following court
Hello, Looking for a bit of advice. I had an ongoing issue with lending stream/asset collections in regards to a supposed loan. They said I owed it, I disagreed as I thought it had been paid. They didn't respond to any letters from me and the judge dealing with their county court claim has dismissed the case judging in my…
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Interest took me over limit.
I have an aqua card and went over the limit when they applied the monthly interest by approx £20. They texted me when my statement was generated to inform me that if I made a payment they would refund the charge they had applied. I made a payment straight away (within minutes via online banking) and said charge, was…
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Loan Default
Hi there just wondering if i could have some advice i recently took out a loan with hitachi and i made my first months payment as normal, however i then changed my direct debit details to my new bank barclays however i mistakenly put the wrong account number in (i know my error) anyway the loan had missed it's payment on…
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Do I have too much credit?
Hi, I have a total of 5 credit cards with a combined limit of around 8k. I don't have any debts on them, they're all clear. I'll be getting a mortgage the first half of next year and wondered if anyone had advice on my credit situation. Thanks :beer:
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Paying my dad for a loan he paid off for me...
Hi all I'm not sure if this is the right forum for this question but see what you think. I took out a loan to pay for a postgraduate course a few years ago - it was 0% interest for the duration of the course (and a couple of months afterwards) and after that went up to some massive rate. My dad offered to take out a…
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Bottom Line Management - USA
Hi I have received an email from lms@botline.com requesting payment for an invoice. When I click on the view invoice an error message pops up. I have had no dealings with this company, I believe they buy and sell businesses for clients and are based in the USA. I have never owned a business nor am I in the process of…
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Refused santander credit card - good credit score
I simply don't understand. I have used Martins Credit Club, TotallyMoney, Equifax, Experian, Noddle to check my score and all say i am in the GOOD green Rating 95% chance of a Santander Card (I bank with them) but refused. Please can someone give a modicum of a suggestion why
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MSE Credit Club
Does anybody know when the monthly refresh happens? My report was supposed to update yesterday and it's still saying 'due to be updated on 13th Dec' but it hasn't yet.
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Two CCJs in one month
Hi all, This is my first post and I am looking for some advice. Admittedly, I don't have great credit but I have been working on paying back debts and have got to a decent place. However, I moved out of my parents house a very long time ago. In the last 2 months, I have received notice of two CCJs. I thought they were both…
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Turned down by O2?!?
Hi all, i applied for a new phone contract with O2 yesterday and for some reason was turned on the basis of my credit search. I immediately thought something must be wrong with the details they have about me, so i've obtained credit reports from the big 3 and everything is exactly as it should be. I have excellent credit…
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Unenforceable loan
Hi everyone.. I have a loan which I have been told is not enforceable by law. I am still paying this as i feel its the right thing to do.. But the company which is a large lender told me back in April they would put a notice of correction on my file stating it was unenforceable by law . After many letters and emails they…
