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Santander and my 6 year relationship
Go easy on me guys as I don't post too often.... Just wanted to get some opinions from people to see if anyone thinks I have any grounds to complain or if I should just pay for my crimes! Towards the end of 2014/beginning of 2015 I developed a somewhat idiotic gambling problem, it put me in a lot of financial difficulty…
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CIFAS cat 6 HELP!!!
Hi, first post on here and some advice would be great. Please don’t judge, we all make mistakes but here goes, I had banked with Lloyds for 20+ years all going well until recently when I had a letter saying they were closing my account. Reason being I gambled a fair bit and ended up going 3k overdrawn of which I had no…
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Remortgaging and switching energy supplier
Hi, hopefully an easy question for someone in the know. Martin Lewis often mentions not to apply for too many things at once which check your credit rating... i.e. multiple current accounts, credit cards or whatever. How does a remortgage and an energy switch stack up? We are changing to a new mortgage deal after leaving a…
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Joint mortgage after one party DMP
I'm 18 months post DMP with 'youngest' default 4 years old. My husband has a perfect credit score and history (my debts are from before we met & we have no financial association). We currently rent and want to buy our own home. Will our combined history make it difficult to get a mortgage i.e. will high street lenders…
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Applying for a Mortgage after bankruptcy - 6 years
Hi Guys, So I was declared bankrupt in December 2011 and was discharged in December 2012 exactly 12 months later. I was under the impression this would be of my records 5-6 years later so now? I have just applied for a mortgage and have been rejected. I found an old credit report from a few years back which showed some of…
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Couple of questions about credit file
Hello All After years of debt on credit cards which has now all been paid off, my husband and I accessed checkmyfile yesterday for both of us, in an attempt to see where we stand, and to give us time to organise ourselves prior to applying for a mortgage in about a year (we have both had mortgages before, but we rent at…
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Is paying above min cc payment positive
Thinking from another thread-not my post. Is paying from £1 above minimum credit Card payments postive for credit rating or negligible in improving rating. I ask as I have maybe 2 on minimum payments which are marked on some CRA’s as minimum.
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Council tax..... court summons
Hi I wasn't sure which category to post my question in. I have council tax to pay.... not disputing that. My income is irregular so pay my council tax in irregular amounts as if I set up a direct debit it may sometimes bounce. I have had letters from the council tax about non-pYment.... I have also contacted them each time…
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Changing of financial products and impact on credit score
Hi, In the period around Christmas I have done a long overdue audit of my finances. I have identified a few accounts/products I want and want your advice on the impact to my credit score. Unfortunately this means I have to explain the current situation in detail.. I have been with the same bank (bank X) for 10+ years…
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Cant get mortgage due to bankruptcy debts still defaulting
Hi. Myself and my wife made ourselves bankrupt in June 2013. We had a number of creditors who settled or partially settled the accounts but Barclays sold both of our credit card debts to a company called PCO Holdco Sarl. Since those two debts were sold on they have been defaulting and not listed as settled or partially…
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Moved back to the UK - questions about credit report addresses
Hi, About two years ago I moved away from the UK, and closed all my accounts. I know, probably very stupid of me to not at least keep my current account open, but I didn't think I would be back this quickly. Now I'm back and I will soon be opening new accounts. My question is about previous adresses. My credit report has…
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Experian not showing credit card making my credit score near perfect!
Hi there, My husband and I want to buy a house this year and so have taken a look at our credit files. Equifax/clearscore show all as it should be with a 'good' credit score but experian do not show my barclaycard, as a result experian have shown a score 6 points off perfect. :T (it has a balance of around £1600 limit is…
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Ineligible through location
Hello, thank you for accepting my application to join the forum. Hope I am not repeating a previous query, but search didn't reveal similar question. My issue is that I am an Isle of Man resident and many providers exclude this area. If I inadvertently apply to a provider that does not cover the IOM, does this refusal also…
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Requesting removal of financial link - data protection act?
Hello, My partner needs to remove his ex-wife (with whom he no longer has any financial links) from his credit files. We know that she is still showing on his file through noddle. He has written to Equifax, Experian and Callcredit using the appropriate templates and providing all of the information needed to identify him…
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Is MSE Credit Club as good as Experian?
I signed up to Experian a few years ago after a new CC was intercepted, activated and used, so I signed up to Experian for some safety. Have since seen about MSE’s own Credit Club, it mentions it uses Experian. So is it a no brainier to switch? Got no complaints with Experian but if I can save £10 a month, even better!
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Mortgage with CIFAS Marker
Hi I have CIFAS marker against my name. CIFAS category is "Insurance Claim Fraud". My mortgage is due to renew in few months time, would this CIFAS marker affect getting me a new deal for the mortgage. My Credit score is 999, no CCJ, no criminal record, earning decent money as well. If someone is in the same situation or…
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Fraudulent use of my address
My sister left an abusive relationship in October and showed up at my door at 1am one morning with her stuff and heavily pregnant. Her ex partner is using this address and letters are being sent to him here demanding payments from him for things like electricity and gas and car insurance premiums. When contacting these…
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Default
Hi guys new to the forum some advise please.. I had a personal loan that a defaulted on due to relationship break up . This default is now being handled buy a recovery agent a payment plan has been set up but when I check my credit file it is showing default every month. I have never missed a payment since setting the plan…
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Effect of satisfied CCJ on rating?
My partner just realised while checking his loan eligibility that he has a CCJ from August last year - this was the first we'd heard of it and his credit rating has always been excellent before this. Having checked the register it turned out it was an outstanding water bill from our last house (we moved in June). It was a…
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Shall I settle debts with no interest and will it affect the defaults?
Hi I defaulted on 4 debts (3 of them in 2014 and 1 in 2015) when I tried to start my own business. I wrote to the lenders and agreed token payments. The total of the payments is £30. I knew they would disappear from my file eventually and there was no interest on them, so I thought why bother paying more? I have been back…
