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Loans and credit file
Hi I am looking for some advice. I have submitted an application with my bank for a personal loan. ( I have weighed up all my options and this is best for me). I have had a mortgage for just over a year with them so thought it would be best to keep everything with them. I am awaiting their decision at present however out…
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Noddle - Callcredit
Not sure if anyone can shed any light on this and perhaps it would be helpful if one Mr Martin Lewis can explain it if he gets the chance. Four years ago I signed up to Noddle at Martin's recommendation. There was a good deal of information on there that was not correct so I got it sorted out. Then Two years ago I disputed…
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Very.co.uk late payment..
Hi, I just thought I'd get some advice a very.co.uk late payment (by 3 days). I got a text message from very today stating I'd missed a payment which was due on Friday 11th January and that I needed to pay it today. I called them up and spoke to a pretty rude "advisor" who said there was no direct debit setup on my…
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Removing ccjs from credit rating
Hi all, Looking for some advice in getting my credit rating back on track. I've recently paid off some council tax arrears after fighting for my ex partner to pay her half. However in the meantime the council took this to court and were granted a liability order. The problem is this has now appeared on my credit report as…
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Urgent help Mortimer Clark ccj
Hi all I am desperately seeking help, I have just received a letter in the post from Nottingham county council Court telling me mortimer Clark are filling for a CCJ against me. I had a Lloyd's TSB credit card and fell on hard times when my mother got diagnosed with cancer and it was then sold to Cabot Carbon. They…
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CCJ - Paid within 28 days and other issue
Hi all, I have recently discovered I have a CCJ on my credit file for solicitors fees from 2015 (a tiny amount). I paid the money within 28 days at the time and unfortunately the solicitor has now retired and hasn't notified the court. I don't have the receipt for payment and I am needing the file to show as satisfied. The…
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Credit
Does anybody know if paying off all debt in full ie credit cards etc will increase your credit score? Also why does my credit rating fluctuate so much from month to month when my payments remain the same and are paid on time?
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Offering settlements
Hi, Just looking for some advice/information regarding my credit file. I am currently on payment arrangements with my creditors, all but one of the accounts are showing as Default on my credit file and as I understand these will drop off my file 6 years from the default date, which is in approximately 3 years . I am…
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Advise needed
Hi, My wife and I are looking into a mortgage in the near future and as such I carried out credit check on Experian and discovered I have a CCJ issued against me on the April 2018 as a result of an unpaid parking fine issued May 2017 for £100. Neither of which I was aware of due to the fact all fines/court letters were…
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CCJ’s
Hi I have 3 CCJ’s and two of them are secured on my property. Miraculously I am now in a position to pay them if I can get a reduced rate. Is it possible to offer a reduced payment firstly on a CCJ? And also to offer a reduced payment on the ones secured on my home as a charge? Thanks in advance
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I need help!!
So I've been recieving letters to my address that are in someone I knows name, now this is a big debt. And said person is not interested :eek: the last letter stated a default was being put on address for 6 years! Is there something I can do?? I've called company and explained all this. They told me the letters would stop…
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return PCP car affect credit score?
Hi All I have 10months left on my PCP car and I have realised that it is a waste of money. Will it affect my credit score if i return it? Or put a mark on my credit file? Thank You
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Noodle and clearscore what files do they check??
I've just stated checking my credit files just need to know where to start thanks I'm viewing noodle what file does that check?? I'm just setting up clearscore too is that experian
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Default utilities affecting credit rating
Hi guys, New here and first post so please be gentle. Have a disputed payment with one of tv providers (End of Contract) of £74 dating back to July 18 Lot of phone calls, got nowhere, sent dca letters out who can't prove debt exists when queried. Have had a letter regards ombudsmen which I've misplaced but no…
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First time buyer with average credit score... help!!
Hello and Happy New Year (not sure wether it’s unacceptable to still say that but hey ho!!) My wife and I are looking to buy our first house. We both have good/well paid jobs and on all the cra’s Have average scores (on one my wife has above average) however..... When I was younger (approx 9/10 years ago) mistakes were…
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Why’s it a thing?
Back in the late 90’s was in America when a friend was joining the local public library. Was hugely surprised when they said they had to check her credit rating. Was told that a persons credit rating was hugely important. Why has this obsession been exported to the UK? Other than financial institutions wanting to monitize…
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Defaults on credit file satisfied by DCA
Hi there, I have 4 defaults on my credit file from 2013. Rightly or wrongly I decided to ride them out and they should drop off in 2019, (a fifth one has already). Being in Scotland these became statute barred last year. Two of the DCAs have reflected this on my credit file and changed the account balances to zero and…
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MSE Credit Club - Affordability Score
So I have been a member of the Money Saving Expert Credit Club for a good few months now as I am looking to purchase a car in the near future. No nasty surprises in my actual credit file and all is as it should be. However, the one thing that is puzzling me is that on the affordability screen, it has a very low score for…
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Help! How to get an CCJ removed that isnt mine
After 13 months of trying I am feeling defeated! Writing to the company myself, Experian doing so, the Court doing so and the Financial Ombudsman have not produced 1 reply! And it seems there is nothing that can be done. This is stopping me releasing equity from my house and causing severe hardship to pay off credit card…
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14days to respond to Claim Form
I need some clarification on whether I just messed up my days to respond or whether the courts did, and if they did, what do I do about it. I received a claim form dated on the 17th Dec. It states I had 14 days to respond with the first day starting 5 days from the date on the letter, so the 21st Dec. CCJ was entered on…
