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Lowell Chasing for a Debt not on CRA searches.
Lowell have been in touch. They're chasing me for an outstanding debt from 4 years ago. I half remember it, I took out a car insurance policy over 12 months, cancelled after 8 and thought that was it. It doesn't show on my CRA at all, not with Experian, Equifax or CallCredit, they've send me the original paperwork, or…
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Wrong address link mystery
Hi I have recently applied for a mortgage with my partner, everything has been approved by the lender apart from one outstanding issue - there is a link to my old address somewhere in my credit report from September 2013. I didn't live at that address until January 2015 and when i have checked my credit scores through…
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What's a good number of cards to keep?
So have struggled over the years with credit card debt spread out over 6 different cards, at one time totalled a whopping £48000!! I have finally paid these all off and thankfully never missed a payment on any of them however my credit rating is terrible, since I was max'd out on cards and at times withdrew cash on them…
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BT Partial Settlement being incorrectly reported.
About two years ago I looked at my credit file for the first time ever (very bad I know) and there was an outstanding debt from BT. There was a load of other messy stuff too, but worked hard over the last 24 month to clear that up and now I have a sparkling credit file and from £10K of debt I now have nothing owing.…
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Historic bank accounts on file?
I am new to this forum and is seeking help... i had a fine in 2011.. and know i paid the fine off. However i have had a letter last week from historic debt collection agency from the court. About the fine i 'didnt' pay. Which i know i did... However my old bank account with santander did not show any payments. So am…
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Removing a CCJ
Hi there I am looking for some advice with regards to having a CCJ removed. I have only recently found out that there is a CCJ against me on my file. Its a bit of a complicated situation so here goes..... When I received the CCJ I sent a cheque straight to the claimant. The claimant received a cheque from me within the 30…
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Credit File
Can someone please advise - I have a very poor credit rating - 522 - I had lots of credit cards and late payments a year or 2 ago but since then I paid everything off in full, and have a small credit card/store card which I pay regularly on time and more than the min payment. I had a default notice on my account for about…
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Accounts showing twice...
Hello, My Natwest Debts have been sold to Cabot Credit Management Group who I have a seperate payment agreement with. I have checked my most recent credit file and the accounts are now showing twice. Natwest: £xxxxx Cabot: £xxxxx Natwest: £xxxxx Cabot: £xxxxx Can the accounts be listed on my credit file twice with the…
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Callcredit Statutory Report - Hard Search
Having obtained statutory credit reports from Experian and Equifax in past, I decided to see my Callcredit statutory for the first time. I was very suprised to see that the act of requesting my statutory credit report from Callcredit resulted in a hard search being put on the record. It's listed as "Identification Product…
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Help foreign boyfriend build credit
My boyfriend has just moved to the U.K. from Italy where he is an Italian Citizen and lived all his life. He moved to the U.K. in the middle of August. He has opened a Starling bank account and a Lloyds bank account. He was unable to get a Classic account (free one from Lloyds) due to his credit rating. They only offered…
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Indigo Michael misreporting?
Hello, can anyone help me? I recently discovered that a company called Indigo Michael who have a product called SafetyNet credit have reported stage 6 'late' payments on my equifax credit report since October 2016! Now, don't get me wrong, I knew I had an account with them but the only correspondance I have from them is…
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Building my creditability
HI Everyone So, long story short, 8 years ago my credit was a mess. Lost a house, went bankrupt, the works. I'm now debt free having paid everything off over the last 3 years, and will be looking to make sure this is complete. I've had no credit (Nor a bank account until August 2018), so I'm really starting from scratch. I…
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TSB credit files and non removal of data
I am trying to improve my credit file and have been checking regularly. I noticed that an account for the TSB was still on my Equifax report and I wondered why it was not showing closed as it was closed a while ago. I contacted Equifax to have it removed and was given a number to call the TSB. I called them and was told…
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EDF and Lowell Pre Legal Assessment Letter
Hi.. Hope you can help - Lowell have been chasing me for an EDF energy debt from my old address.. they’ve sent a pre legal assessment letter offering 50% discount making £140 payable. My main question is this does NOT appear on any of my credit files as a default or late payment. If I pay the £140 will they then enter that…
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Refused DIP due to credit rating
Hi, advice needed please... Just been refused AIP with Halifax, nothing adverse on credit files but mortgage advisor believes it due to ‘financial stress’ as currently using 80% of available credit. Do I take out a loan to consolidate credit cards & overdraft?? Will this negativity impact trying to get an AIP in the near…
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Refused mortgage application due to failing credit score with equifax
Ok so I am a little bit confused. I have a mortgage with the Halifax, no problems whatsoever but wanted to switch the mortgage to clear the help to buy that I used initially to buy it so was looking to increase the mortgage to cover the amount I borrowed from Help to buy. I just went through the application process (a…
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Cifas
Hello I’ve received a letter from my bank stating they are closing down my account.. due to fraudulent transaction. I sold a camera on Facebook unfortunately there was a delay in myself posting this out due to being in a car accident I’ve resolved it with the buyer and he’s contacting his bank to confirm it’s not fraud…
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CCJ Defence And incorrect name
Hi all can anyone please help ! I have just received a CCJ in the post today, unfortunately this is in the incorrect name ( first Name ), but the claim number is also on my wife’s court papers in which we filed a defence, I received paperwork last week stating this case is now being defended and was given another date…
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Someone bought fake Home Insurance on my property?!
I received two letters at my address today from John Lewis. I have owned my property for many years and I knew the recipient had never lived here so I opened the letters. The first one was thanking the man for choosing John Lewis, the second one was confirming the the bank details and monthly payments. I called up John…
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Default/Satisfied Settled
Hi All, I am currently in dispute with a mobile phone company (via Resolver) over an account listed as Defaulted. I am assuming the likely outcome will be a 'Satisfied Settled' showing on my credit file, but that the Default will remain in place for 6 years. A little background: - I purchased a sim card, pay monthly for a…
