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Default on Car phone Warehouse Direct Debit
I support a lad who took out a new 24 month contract for an ee phone with car phone warehouse last Thursday. It is £20 per month. He ought to be able to pay this but (to cut a long story short) through his own irresponsibility he won't be able to pay the first direct debit next week. His bank balance is zero and he does…
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Old Addresses Advice Needed
Bit of an awkward one with giving address history. Credit cards, credit reports etc. ask for my address history but I'm not sure best how to report this. Until a couple of years ago, I was a student so my address changed pretty much every year. I always used my home (parents') address as a 'permanent' address so all my…
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Generous Credit/Finance retailers
I need to buy a new washing machine but unfortunately don’t have all the necessary funds right now. My credit isn’t great so I was wondering if anyone knows of a high street or online retailer who’s not overly strict on finance/credit when making a decision?
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Advice needed
Hello, So a little advice needed. I have no history of bad debt (no loans, credit card, overdraft, finance etc) so recently was surprised to see my application for a credit card with Barclays turned down. I applied for a platinum cashback reward card and experian was indicating a 95% chance for approval. Using experians…
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Most “flexible” finance retailer
I desperately need to buy a new washing machine but unfortunately don’t have the necessary funds. My credit isn’t great so I was wondering if anyone knows of a high street or online retailer who’s not overly strict on agreeing finance on a £250 washing machine? Thanks.
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Unauthorised Search
Hi. I would appreciate some advice on where to check this out. I have noticed an anti money laundering search on my credit karma account , formally Noddle. I have not applied for any credit. I understand this search is usually done when I have applied for a loan in the past. I am concerned especially as I have excellent…
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Help! I’ve got two separate credit reports in my name?!
Hey I’m wondering if anyone can help me. Basically, I purchased a new build house in May 2018 and took out my first mortgage. I registered to vote at my new address however I didn’t update my address for everything immediately and it was quite a slow process - however I noticed that as I updated my address for each credit…
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Over 6 year old debt keeps updating
I have a disputed debt from 2012, I thought it would be dropped off after six years, But it still showing on my credit file and till keeps updating to this current month. You can see the history that it has been there since 2012. Should it not drop off by now?
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Pay Credit Cards Early?
Hey Peeps, Just wondering when is best to pay my credit cards off; with relation to optimising my credit score? I have two credit cards, of which I use to make most of my purchases. I try to spread the overall spending reasonably evenly between the two. I have both set up to be 'paid in full' automatically on the…
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Debt collection moorcroft PayPal
Hi I’m really hoping someone can help. I received a letter from moorcroft debt recovery demanding I pay them £63.41 on behalf of paypal. My PayPal account is showing £0.00 and after calling PayPal they said they have no knowledge of this debt. PayPal also searched if I have any previous accounts registered to an old email,…
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Jacobs Debt Collection
Hi all, I was after some clarification on a situation. I moved out of an address last year, I told the local council (Sefton) that I had moved out and as far as I knew my council tax was up to date. However a few months ago I ignored a call from Jacobs debt collection agency and after some investigation I discovered that I…
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Improving poor credit rating
Hi everyone, I’m so sorry if this has been asked lots but my search isn’t working and I couldn’t see anything from a quick look. So long story short about 10 years ago I had bad credit. I sorted all debt out, all paid off and should be written off any history now. But I still have a poor credit rating and can’t find a way…
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EEquifax Address check failed - help!
Hi, I was hoping someone could help as I've been searching the internet with no results! Yesterday my mum tried to hire a car from Exeter Airport from a company called Easirent (not the case!) We didn't read all the voucher saying that we needed to bring a passport, creditcard, driving licence and TWO forms of…
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Control Account PLC
In short, Control Account PLC are writing to me demanding £130.82 Can they damage my credit rating if I don't pay them? The story: Visited VetsNow. Spent just shy of £300 and settled invoice at time of treatment, over the counter, as required. No problems. Leave UK (for 6 months). A couple of months in (now) I come to know…
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Credit card application before mortgage application
So, having just finished an IVA and needing to find somewhere to live in the next two/three months, I am looking at potentially trying for a mortgage if the credit file is clear in time. Fingers crossed it will be as it was over 6yrs ago and I have my completion certificate. Anyway, on to the actual question. As my credit…
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Incorrect defaults on credit report
Hi all, Have recently applied for a mortgage, AiP was approved but full application declined. I was on a DMP for several years and all defaults have been removed from my file as they are over 6 years old. However 1 of my creditors has been registering a default every month for the last 8 years even though they were in the…
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DCBL chasing an old ppi fee
Hi I’m looking for some advice. My mum has had a letter from DCBL regarding a £900 bill she had from a ppi company about 3 years ago. It says it needs to be paid in 14 days or the case will be reviewed for legal recovery and such costs will be added. It also says on the back this case is not subject to high court or…
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advice please
hi few years back i was in a right mess, boyfriend at the time racked up debt on my credit card, took out loans in my name etc i tried to pay it off but ended up in so much debt that an IVA was the way forward i paid that IVA off within 2 years and i'm now 17 months off that dropping off my credit file.... so as of today I…
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Help...Advise needed
Hi... I spent 10 years paying £9.99 a month to know my experian credit score. I ended up having to cancel due to going into an IVA - and a year later they began to offer the same service i was paying for but now its totally free forever! I feel really ripped off - do you think I have a case for claiming some money back??…
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Late payments...
I have an account currently managed by Lowell. It was purchased in June 2017. Prior to it being sold there had been 4 late payments. Since Lowell bought the debt, it’s been paid on time every month, but still updates as ‘late payment’. I complained to them and they have had this response... “I can see from our records we…
