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I am owed £22,000 I won the CCJ but no payment
I have successful sued my ex Partner for money I loaned him when we were in a relationship and was awarded a CCJ, I then applied for a charge on his house to secure and protect the debt, which I also won.. The debt now stands at just over £22,000. However he still has not paid anything towards his debt. I am torn now as to…
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Standing Order Nightmare
Hello, Back in April my employer changed from weekly to monthly pay, and announced that we would be paid on the last Friday of each month. As my mortgage payment went out on the 24th, I decided to change it to a better timed date. I contacted my lender Nationwide and asked for advice as to how and when best to reschedule…
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Credit score & Rent
Hi guys and girls. I've received a question that's baffled me, but also made me realise something. So my partner has recently asked whether or not my landlord should be updating anyone to tell them I'm paying my rent every month on time so it goes onto our credit files as positive. Now... I rent privately, so I'm unaware…
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Challenging credit report?
Just after some thoughts. Have a lot of debt Approx 7k left on a loan 1900 on a credit card Also had an overdraft of 3k with NatWest which they were absolutely hammering me with interest and charges on and they were generally making it impossible for me to clear it. I was lucky to be lent 2k towards clearing it, so I paid…
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Credit searches to previous address
Hi, I am looking for a bit of advice. I have checked my credit report today after a long time and have noticed there are over 50 searches on file this year all made within days of the other to a previous address that I lived in 4 years ago. The searches are made under my name obviously but every search has a completely…
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Lloyds and moorcroft payments
Short story is, I have a closed account with Lloyds following a switch. the account still had an overdraft. Lloyds closed the account, when I called to arrange payments I was told id have to wait until it had been passed on to the collections team-fine I thought. it then gets passed to Moorcroft in which we arrange for…
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CIFAS and New Zealand
Hi everyone, I’m in the process off moving to New Zealand to stay with my family and in the near future I would like to get a residence visa and permanently live there. Long story short is I got a CIFAS marker (Cat 6). Ive looked at the credit agency references the banks use out there and one of them is equifax. As banks…
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Tenant credit risk score
I am a private landlord and have enlisted the services of a third party referencing company to "vet" prospective tenants. This third party obtains its data from Experian. I have received a report back from this credit check provider which shows no adverse data (CCJs, bankruptcy, etc.). However, the tenant has somehow…
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Sudden drop in score
Hi all A few months back I checked my score on Experian and it came back at a healthy 996. In the intervening months I've not missed a payment nor have I applied for any new credit, but a recent check showed my score was down at 973. I know score isn't the be all and end all but I'm wondering why this happened. Any ideas?
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Victim of Fraud CIFAS
I am on the CIFAS register category 2 and I have checked my credit report online and I wanted to know some clarification. Someone tried to open an account at Lloyds under my name which the bank spotted straight away and stopped and put me on the register. Finally my report has been updated and it states account open and…
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Default on credit file causing problems
Hi , my partner has credit cards debts that were sold to a debt collecting agency due to him not making regular payments (I think debt collecting agency is the correct term, the company is Arrow or Intrum as they were previously called.) Because he was working away it took a while for him to set up a payment plan with them…
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Default on credit report
My wife, unbeknown to me at the time, has entered into a DMP. I had a joint account with Lloyd's, which she did not use, but I used every month with an arranged £300 overdraft. Money was paid into account each month to clear overdraft and showed a positive balance on the account on a monthly basis. My wife appeared to…
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Over £1300 worth of debt and need help!! Here's my story
I am an 18 year old student and early in April, this year, I was approached by somebody who knew me through bad people I had been mixed up with in school. He knew exactly where I lived and threatened me and my family and told me to take out phone contracts using my card my name and address etc and if anything went wrong…
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Notice of disassocciation & mortgage company
I’ve separated from my partner and as I am unable to take over the mortgage fully at the present time I bought him out using a deed of trust in which I paid him money and indemnified him against the debt. I would like to post a notice of dissociation or correction (whichever I am able to do) with the three main credit…
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Advice on what to do about CIFAS fraud marker.
Hope you like reading because there's some backstory here. I was 18 at the time, was living with my parents and still am. We were planning to move house ,however, the house we were planning to move to was in rural Wales and had very poor broadband but was covered by the 4G mobile network. So my mother went to EE looking…
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Negative impact
Good noon! Just a quick question. I applied for a credit card back in August and was approved for it. I know this is considered a hard search/inquiry. When will it be removed from my credit file or at least increase my credit score? After I applied for it my credit score took a dip. And loans that I was "pre-approved" for…
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Credit score remains unchanged?
I am desperately trying to improve a poor credit score. I have repaid over £1000 to my credit card debt this month, but my score hasn't budged: not even by one point?! Every other month it has moved slightly. Can anyone help? I have made no new applications etc this month. I was hoping to have it repaired in 6 months if I…
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ID Check on Credit File
I just wanted to ask if you any of you guys had experienced anything similar. On the 25th October, I bought some AirPods from the Apple Online Store, using my Debit Card. What interests me, is that on my Experian Credit Report, there is an ID Check search (soft search). Here is the entry with my personal details redacted:…
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Cifas - closed credit card's
Hi Guys, First post. Basically I was contacted by a credit card company on the phone to confirm some details: Basic DPA, employment history and current income. After I confirmed the details on the phone and the person on the phone stated that my account has been suspended for investigation I asked the reason why and he was…
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Late payments
So I had a few issues back in 2013 that resulted in a series of late payments on my CC. These have been reported to Call credit and Equifax in subtly different ways. Callcredit - 2012/2013 Nov (2) Dec (2) Jan (3) Feb (2) Mar (2) Apr (1) Equifax - 2012/2013 Aug (1) Sept (ok) oct (1) Nov (2) Dec (2) Jan (3) Feb (NR) Mar (NR)…
