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CCJ on credit file
Hi all I hope someone can help. Over the past couple of years I’ve worked really hard to get my credit score up and have finally succeeded. I’ve checked today and it says I have a CCJ against me and taken my score back down to poor. I have never received any communication regarding a CCJ (I think it was sent to an old…
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payment plan finished, want re-mortgage
Hi Guys I set up a payment arrangement on one of my credit cards, I made 1 payment towards this and then paid the balance in full. I applied for a re-mortgage to get funds for renovation and to clear off a small amount of debt, everything was going okay until the mortgage folk advised that the payment plan had flagged and…
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Equifax knows nothing about me (solved)
Hi all, I tried to get my credit reports from all CRAs. I have done the Noddle and MSE credit expert. Their information about me is all correct. There is a problem with Equifax. The Clearscore and CreditWise couldn't find my report. So I tried to buy a £2 report from Equifax directly. After ID verification process, I was…
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Got phished today. Help!!
Hello, I got a text this morning about vehicle tax refund. Have recently sold car so thought of it as genuine. I foolhardily gave away info such as my NI Number, address, date of birth, bank account , Debit card number. Don't know what I was thinking :( Have blocked my debit card instantly. Not sure what else can I do to…
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Default amount incorrect
A default has been placed on my account a couple of years ago which I believe shouldn't have been. I have contested it and although the company involved believe the default is correct, they have admitted that the amount was incorrect and the amount owed is significantly less than they have stated. Before I continue to…
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Could this be causing the referrals?
Just wondered what your thoughts are... Recently i had a call from Santander to say my card was trying to be used in Italy. I explained it wasnt me and they cancelled the card and issued a new one. No money was taken. Since then every credit application I have made has been referred before a decision can be made. They did…
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avoiding defaults
Hello all, I am £25k in debt and desperate to break free. I have been suffering with anxiety and suffered 2 big bereavements recently causing me to wake up and take charge. I can afford my minimum payments, but am not making any headway in clearing the debts as all incur interest. I am desperate not to default though. I…
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Credit card repayments frozen - now have late payments on credit score
Just under 5.5yrs ago I lost my job and spoke to HSBC who agreed to allow me to freeze my credit card repayments for four months. They also froze interest. My debt didn't increase and stayed the same until I got myself back on my feet. Once I did, I made a lump sum payment the equivalent of around 6 months worth of…
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CPW cancellation problems
Hello. Took out a contract phone online with Car Phone Warehouse in May 2017. When the new phone arrived the Vodafone SIM card supplied didn't work. I was advised to visit my local CPW store. I did this and the sales chap in the store confirmed that the SIM card wasn't working and asked if I wished to cancel under the…
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CCJ- creditor paid but refusing to notify the court
In December 2016 a company who moved home for us sued us for unpaid removal costs. We were in France for 4 weeks and didn't know. We had withheld payment due to extensive theft during the move- they had refused to give us the insurance papers. They received judgement and we paid in full within 30 days as we were going…
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Amigo loand credit checking me without my consent/knowlege
Hi, Please can some one help me. I am a guarantor for an Amigo loan (scum of the Earth for threats regarding legal action etc). I have been paying an agreed lower amount for years sucessfully and have the balnce down to £1100.00 ish. I have recently found out they have been credit scoring me without my permision or…
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complex query...
hello, i wish to apply for a purchases credit card. i have an excellent credit score. i will use the credit card checker on money saving expert, however- i moved to ireland in may last year, have worked and opened a bank account. meanwhile, all my banks are registered to my parents' address back home in scotland. i need to…
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Why has my credit rating not improved significantly?!
Hi All, I am new here and am wondering if any of you will be able to give me some guidance/insight into my predicament. Many years ago, I was an irresponsible young lady and made some fatal financial decisions which now make up my credit score. Essentially, I didn’t keep my side of the agreements and constantly missed…
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Too many paypal transactions
I'm a betfair trader and over the period of 6 months, have been generating £2000 per week. My plan is to withdraw my funds from betfair into Paypal every week and then sunsequently into my bank account. This is to ensure the word Betfair does not appear on my statements since lenders hate to see gambling activity. My…
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Do I have a CCJ?
I regualrly check my credit report through ClearScore and Experian. For almost 3 years I have slowly but surely been paying off my debt. I’ve had 3 defaults - 2 are now paid off and 1 will be paid off by the end of the year. I’ve never had any CCJs or Bankruptcies. I used to try and use Noddle, I think I first tried to use…
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Partial settlement effects credit file
Firstly sorry if this is in the wrong place or been answered before all the other similar threads I clicked were closed, so just a quick question I'm trying to settle some old debts before I move house and have been getting some 'full and finals' but keep getting told this would still show as only 'partial settlement' on…
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GDPR & arrears
I am currently prepping for GDPR at work, in particular the right to be forgotten. I am putting in processes to ensure that any requests for data to be deleted are honoured, with no questions asked . It has occurred to me that if this applies to credit references agencies I could request that old arrears are removed. Do…
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Poor score but perfect record
Hi have just looked at my credit score because I tried to get a loan from my bank and was offered a terrible interest rate. My record is perfect. No ccj''s , no missed payments and always with 4 or 5 thousand in the bank. I earn 45k per year so I'd hoped all would be OK. The only think my report does show is a link to my…
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How many credit cards should I have?
I'm rebuilding my credit history after a bankruptcy in 2013 along with my wife who was also made bankrupt. We now have a Capital 1 card and an Aqua card each which will be paid in full each month. I was wondering if two cards is enough or maybe we should have 3? Are there any other methods of building a repayment history?…
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Default date on credit file
Hello when applying for any credit and a search is done on your file from the lender i know they can see defaults but can they see the date an account defaulted? tjank you
