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Simply Be Account Fraud
Good morning, My mum has had an email 'confirming' her order of a £200 projector from SimpleBe being delivered to an address miles away we've never heard of. She's logged into her account and the order is there so the email is "legitimate". There appears to be no way to cancel the order on SimpleBe website and it certainly…
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Remove hard search after successful right to reject for faulty car?
I purchased a car through MotoNova finance, and as part of this purchase a couple of hard searches were run through the broker/garage. It turned out that the car was faulty and after a bit of back and forth, the garage agreed to take the car back, and MotoNova then subsequently cancelled the finance. Whilst all this took…
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Opened and closed accounts on credit report
Wife checking her credit report on equifax over the past years several open and closed accounts for phone contracts 3 kids with phone contracts ( sim only ) but obviously in wife’s name....each year we tend to change the kids package and supplier to get the best deal.... so her credit report shows several accounts opened…
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Unsatisfied or Satisfied Ccj?
Hi All, I had a previous ccj for 6 years and was told point blank that whether it is satisfied or not it still looks bad. Unfortunately i now have another one , should i bother to pay it as the previous ccj caused me quite a few issues without me paying it off? Ccj is after 30 days and please nk judgement!
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Credit score detail
I receive a monthly report from Clear Score. Today, I noticed that my score had dropped by 22 points . However there was still a comment that "nothing has changed". On examination I noted that all was in order except, my 2 current accounts are stated as having £0. This is definitely not the case and indeed in both banks…
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Credit File clarity needed
Hi All, I currently have a credit card and a loan along with the usual utility bills, phone contact etc..... Last night I took out a new VERY account (Shop Direct) with the intention of just buying my item £250 outright and paying with my debit card. However, stupidly, I just flicked through the terms and conditions and…
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Need some advice about defaults.
HI, So I bought a car on a 5 year lease purchase around oct 18, the car was written off by a family member but wasn't covered by insurance due to drink driving. So now i'm paying 250 a month for a car I don't have. I've kept up the payments but I am just wondering if it would be more beneficial to use that 250/month to pay…
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Experian
First time here so please forgive if I make mistakes. I have been the victim of multiple ID and fraud attempts since Dec'19. I checked every credit ref agency I could find. Registered and paid to join Experian. Only Experian has done this, They are showing two of the wanna-be thieves addresses as linked to me. These…
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Shop Direct
I am hoping for some help on this one. I understand that a score is irrelevant and that a history of good payments is much more beneficial to lenders. With that in mind and having also read that dormant accounts aren’t great I try to utilise my very (shop direct account) every so often. However on checking when I take out…
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defaults in my credit file.
Hi Recently upon looking into mortgage applications I discovered 3 defaults against my name that I had no clue about. I have been in touch with the companies over e-mail but with no joy so far. They seem a bit reluctant to help. The companies are Lowell Ltd and a Debt Mangers Ltd which I have two faults with. I suspect a…
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Income / Affordability Score
Hi, my Experian credit score (via MSE) is 995 but my credit card affordability and loan affordability are both v.weak. The text below this section on the site states "Income and expenditure aren't part of your credit score, but are still factored in by lenders. Here we mimic their assessments." The reason why I'm v.weak in…
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Credit Karma name details correction
Hello! On my credit file (Credit Karma) report there is a "D" imbetwen my forename and surname that should not be there. I want to raise a dispute to correct this but they asked me as proof for an email/letter from the local council confirming my full name and address, along with the dates of residency. How do I get this?…
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Incorrect Default On Credit File
In 2014 i got a default because I was young and stupid with money! it has been on my credit report since then, however, I paid the total amount in 2017 and the default should have been classed as "Settled". I only recently noticed that the default is still on my credit report and not settled! I contacted the company I have…
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Credit Score and mortgage application?
Hi everyone, Firstly I just want to say thank you to everyone on this thread, Now I wanted to save money and hopefully buy a property however with these on my credit file its going to be impossible to obtain a mortgage at a good rate.
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Credit searches for me showing on my partners score..
Good afternoon! I have recently applied for a credit card (in Febuary) and was successful and all is going okay. However, today my SO has looked at his credit score and it shows that a hard credit search from HSBC (where my card is from) was done on him also and showing on his score. Is this what normally happens? He has…
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Data security incident at HMR (Hammersmith Medicines Research) - Personal Documents Hacked
Hi all, I received an email from HMR (Hammersmith Medicines Research) yesterday regarding them having a data breach on their systems by a hacking group. They managed to download and put online personal documents (proof of address, passports etc) along with medical information for volunteers for their medical trials. From…
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Bounced standing order: missed payment/arrears
January 2018 I had a standing order from my savings account that bounced. Was an order of payments issue that at the time I wasn't worried about because I though worst case scenario I would get a missed payment fee and deal with it. The standing order bounced. Next day I sent the payment to the recipient via BACS. They…
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Credit Score Dropped over 100 points in less than a month.
Hello I have a question, I have asked Equifax but they are yet to respond. In the last month my credit score has dropped over 100 points. In that period the only change to my file is a disputed credit agreement which full disclosure has dropped off my account. Other than that No changes. I haven’t applied for credit for…
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Missed Vodafone payments after my contract ended?
Firstly, I hope everyone reading this is well and keeping safe. WHilst we'be had moer time to check out life admin, I've been looking at my cards and finances. I've just been offered a credit card limit increase which has made me look in to my score again for the first time in a while. I noticed that I had two missed…
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Universal Credit
My daughter lost her 3 gig economy jobs in 24 hours and has had to resort to applying for Universal Credit. She is very concerned that it may adversely affect her very good credit rating. Does anyone know if that is the case?
