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Default Notice Query
Hello All. I opened a Shop Direct Account (Very) in 2010 and another Shop Direct Account (Littlewoods) in 2011. Was just about making payments when I had to eventually deal with my debt (PD Loans and large Credit Card Bills) head on and entered a DMP in December 2011. Whilst on a DMP I was notified that the Shop Direct…
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CCJ - Hearing
Good Evening all, I know this has probably been posted many times but as a first timer I wanted to make sure I am clear going forwards as everyone's issue is unique. Had been issued a CCJ unfairly, application has gone off and contrary to what some thought it has been accepted by the Judge to a hearing. So just wanted to…
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Need advise about cabot
So I just got this text message from cabot. Hi Cabot here, we have sent you a letter regarding a personal matter. Please click the secure link below to view now mailvu co uk with a extension which I wont post, when I click the link the name on there isnatalie m but that is not my name. I am just wondering if this is a scam…
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Zopa launches new credit-scoring tool - MSE News
Peer-to-peer lender Zopa has launched a new free credit-scoring tool which it says will help "demystify" lenders' decisions. But if you're thinking of taking out a loan, always do your own research to make sure you get the best rate...Read the full story: 'Zopa launches new credit-scoring tool' Click reply below to…
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Bank accounts dropped off credit history
Evening all, I just checked both my experian and clearscore (equifax) credit reports and the 'score' (which I know is non-existent after reading multiple posts on this forum) has taken a drop and says that my HSBC current account and credit card account have been removed from my report and therefore history (on these…
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Joint bank account query
I’ve searched online but can’t seem to get a straight answer so thought I would ask on here, any answers would be appreciated, thank you. Me and my partner have recently been approved to rent a house which is great. We are looking to set up a joint bank account so we can both transfer the same amount in each month for our…
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Equifax Wrong Address
We moved house in April of this year and straight away applied to have our names removed from the electoral register at the old address and added to the register at our new address. This was all completed in June. Now two of my three CRA files are showing me as being at the new address but the Equifax file is still showing…
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Taking a limited company to court
Hi there, First timer here so please be gentle with me! I’m hoping for some advice. To cut a long story short... bought a car 4 years ago, it suffered various catastrophic failures in the first 6 months, try as we might we couldn’t get the garage to fix the problem and in the end they flat out refused to deal with me. Due…
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Credit Utilisation Ratio??
Hello- first post here so please forgive me if this has been answered several times over. I tried searching for an answer but couldn't find the answer.. I have three credit cards with various limits, 2 of which have a zero balance. MBNA is £8600 limit - 0 balance Vanquis - £5000 limit - 0 balance Barclays approx £600…
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CCJ not in my name or DOB
Hi I’ve received an email this morning stating that there has been an update to my credit file. When i have logged on to check the change it appears a CCJ has been added to my credit file which was granted by the courts in 2015 but this doesn’t belong to me. I moved out of my parents house for the first time 2 months and…
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My “Credit Score” dropped for this reason...
According to Credit Monitor, it dropped 18 points because: Your score has dropped because you're using more of your credit compared to three months ago. This could signal to lenders that you may struggle to make repayments. Despite me paying my cards back in full every month and the payment statuses showing as such. What a…
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What would happen if
If someone with a average credit rating took out say, 4 credit cards with a total limit of £12k and then spent it all, could they then approach the lenders and say they couldn't afford to pay, default and set up payment arrangements? Obviously the credit file would be wrecked, but would there be any other repercussions?
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Full & Final Settlement Help
Hi, Hopefully this is in the correct place. I have written to all of my creditors with Full & Final Settlement offers (one I have sent a CCA request to - this is now with a debt company). All of my loans are in default. Sainsbury’s have replied, asking for income and expenditure (which I have completed) and asked for a…
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CCJ - 6 years is nearly up.
Hello all, I ended up with a CCJ from a private parking company back in Feb 2014. The CCJ was for the ridiculous amount of just £145. This was paid off in full in August 2014 when I discovered it had been issued. So at least it was showing as 'settled' on my file. This blip on my credit report has caused me so many…
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CRA and Full & final settlements
I'm hoping someone might be able to give me some advice.... I ended up in debt some years ago due to being in a toxic relationship where there was DV, my then partner racked up a lot of debts in my name. Anyhow I found the strength to leave with my children and entered a DMP in 2011 owing approx £32k to 7 creditors (an IVA…
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CCJ & Defaults about to pass 6 years/expire. Is it worth paying them off?
Hi all, After many years of financial instability due personal issues I ended up with a number of defaults and a CCJ. I wasn't in a position to pay these off previously and they have pretty much all just been ignored other than the CCJ which I make a small token payment to each month to keep them off my back. I am now in a…
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Trying to remove unfair default
Hello, I am reaching out for some help and guidance. I am in the position I am ready to apply for a mortgage with my first home, however I have found a default has been placed on my credit file in August 2019! I was in a shared property from August 2017-July 2018. During this period I paid for council tax and water, whilst…
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Transunion anomaly
My report has a anomaly under searches on previous addresses on my transunion credit report. This previous address the irregular table is in fact my current address . Below the current address table with the footprints of searches on that addresses is a table below with searches on previous addresses which is an irregular…
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Credit card late fees
Hi all, First time poster, so hope this is in the right place. I recently took out a zero-percent interest card and fro the first two months the payments were 3-4 days late because the payment due date hadn’t been set up correctly. I’m challenging them, but am about to apply for a mortgage and wondered whether these late…
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Flight points to get to Oz
Have a Tesco card at the moment and probably spend £20k pa. Want to fly to Oz (Adelaide) in 3/4 years with wife and in something above economy class. Any thoughts on which card is best. Obvs BA and Virgin not sure which is better or if there are any other schemes/cards I could be looking at?
