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Query with defaulted credit account
Can anyone please help? On my Experian account it states a defaulted account has a balance of £0.00 and I have not paid it off! This account has been sold on to a debt collector. Does anyone know if that's the reason there is no balance? I'm puzzled!
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£16 missed payment causing credit issues
In short, I have a credit card with Virgin Money which I hardly use. When travelling to the states on Holiday I used the card for some transactions, nothing major it was totalling £600. As I don't use the card much there was no DD setup for repayments, I subsequently missed a payment. Having received a letter stating I…
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Reasonable credit score, turned down for phone contract
Hi everyone,I'm new here so my apologies if this is not the place for this... I've just been looking to upgrade my phone, and found a 24 months plan for £26 per month, so not a very expensive contract. However I was turned down for it because i failed the credit check. I decided to check to check my credit score, and…
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Am I doing something wrong?
Hi all I've got a default on my credit file for something that I am paying back. Despite the fact that I am making payments to it and have been doing so for quite a bit (over 12 months) the only part that is showing that I am paying money to it is where it shows you the balance going down. I know that defaults can stay…
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Subject Access Request to Halifax?
Is it worth doing a Subject Access Request to Halifax - I’m looking for info on an account (1k overdraft) that is showing as a 3 year default on my credit report. I haven’t acknowledged this debt - there any risk that sending an SAR could count as doing so? I would just ask for all the information the company has on me.For…
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Away from UK 5 years and left some debts - advice please
So I moved away from UK in Oct 2014 to travel for a few months and had a credit card I used while I was away. I ended up not returning to the UK at all (still am not back) and didnt pay the card bill. I have decided to sort out my Uk debts now and have just checked my credit file. I see there is now a CCJ on there for…
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Conflicting advice
So improve my credit score as it is rather thin I was advised to get a credit card. Which I have done and set strict limits and I am also able to watch my outgoings really well so don't think I should encounter any issues but... I am hearing different advice on the best way to use it. 1 person said to make a purchase and…
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virgin media credit reporting
I am still struggling to get a response from this company after posting on here a few months ago. the short story is, I was declared bankrupt in 2017, prior to this I had 3 defaulted accounts with virgin. I paid all 3 accounts off in full in feb 2018 as I had a DCA chasing me and without knowing any better I paid the…
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Need to improve credit score, should I close capital one account with low credit limit ?
For the last 2 years I’ve been trying to increase my credit rating. Where’s as It’s increased by a fair amount I’m still in the red and i seem to be stuck in the same score for a while. The credit accounts I have are - Loan with bank, 2.3k left, never missed a payment. Retail store account, Credit limit £4000, used £500,…
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Old Mortgage repossession - same bank holds my old company pension
Hello All - Not sure where to post this - I want to start tracking down an old company pension I had with a UK High Street bank. The problem I have is that after I left the bank in early 1990's, I lost my next job and ended up having my flat repossessed by the same High Street bank I used to work for. Repossession took…
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Advice - Why won't my score go up? It's been years!
Hi all, Long story short. Went Bankrupt in 2011 as a graduate, discharged in 2012 (I'm Scottish so laws are a little different) and spent up until 2016 in and out of debts and and not really taking my score seriously. At the start of 2017, I finally got a good job and decided enough was enough. Bankruptcy cleared from your…
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Lending Stream refusing to correct credit file error
Hi All, For the sake of brevity I'll keep the background short - my girlfriend and I are in the process of buying our first home, we found a place but got turned down for the mortgage. After some investigating I found a default on my Experian credit report that I had no knowledge of, issued by Lending Stream in May 2018.…
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Drydensfairfax Solicitors
Hi, my first post in the forum! I've had a default with Capquest which is due to go off my credit file in April but now im getting letters after no contact in around 3 years threatening me with a ccj if i don't reply, what do i do?? I'm saving for a house i do not want a ccj, this has come from nowhere.
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Data breach
Hi. I recently offered to be a guarantor for a friend on a rental property. The company did a credit check on me and the results were unfavourable as I thought they would be. However the company in question then told my friend that they have never seen a rating so low and that I'm in a lot of debt. Is this allowed?…
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Data breach
Hi. I recently offered to be a guarantor for a friend on a rental property. The company did a credit check on me and the results were unfavourable as I thought they would be. However the company in question then told my friend that they have never seen a rating so low and that I'm in a lot of debt. Is this allowed?…
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Moorcroft Debt Recovery
So I have a debt with Tesco Bank (2200 quid) that has now been transferred to Moorcroft Debt Recovery. Received the letter today threatening with a home visit if no arrangement by Friday the 14th of Feb. Defaulted March 2015 and am in Wales so by my guesstimation this should drop off by March 2021? Just trying to figure…
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3 years of being called by Lowell Financial for debt that isnt mine -
Afternoon - About 3 years ago I started receiving phone calls and texts asking me to contact Lowell Financial regarding a debt in a mans name that I dont know, have never known. After ignoring it for a while I phoned them and explained this wasnt me, they apologised and said they would remove my number from their records.…
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Unsecured loan from Tesco has appeared on my clearscore
I use clearscore to track my credit score, since I am looking to move and just got my first credit card to try improve my score. I checked it today after receiving a email that I had new updates, it said 'A new unsecured loan will be added to your next credit report.' I might just be freaking out over it and its nothing…
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CCJ automated phone call - have I missed something or is it a scam?
This morning, I received on our landline an automated call saying along the lines of: "It has come to HMRC's attention that you have a CCJ. Press 1 to speak to an advisor".I hung up but went into panic mode. There is nothing on either my or my partner's credit records - thanks to the Credit Club for making checking so easy…
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lloyds/mbna reporting to credit file
Hello I wondered if anyone else was facing the same problem or can help me find out why this might be. So i have two bank accounts and a credit card with lloyds and a credit card with MBNA and the last couple of weeks they are just not appearing on any of my credit files anymore. Its not like they've been closed they are…
