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Living Abroad and Debt
Hello, I am not sure if this is the right thread so I would be grateful if you could point me in the right direction if it isn't. I am a UK national. I have debts which I am paying off. I live abroad (EU). My parents live in the UK and I used to live with them but I do not any more. I do not have an address in the UK - if…
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CCA help offered 5%
Hi, I have a DMP with stepchange. I owe £7500 amongst this is £2400 to barclaycard and £400 to natwest. I requested a copy of CCA's in April they told me in May they cannot be found I have sone offered PRA group who own the debt 5% of the balances to settle them they have said NO they want 100% of the money. My defaults…
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EON have ruined my perfect credit rating :(
Hey all! Usually just a browser here, but I've got a real issue which I need some help with. I purchased my flat around 5 years ago and went with EON as my energy provider by default (the previous owners were with EON). No real issues to start with, until January 2018 came around and I spoke with Customer Services and…
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How best for young person to start building a credit score?
Hi after some advise please. My sons (19) has his first full time job (since 4mths ago ) after leaving sixth form education, he's also living at home. He's on the Electoral roll and had a bank account for 3 years. He's never had credit before , e.g mobile contract or any other outgoing so no score. Nothing on eg. Experian…
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Moorcroft Debt Recovery incorrect letters being sent
HI, I hope I am posting this in the right place. My elderly mother has started receiving letters addressed to her address but with a non existent name on it. 2 girls names, not a first and last name, so its like Mary Louise. She had been returning to sender for a while but opened one with the rest of her post one day and…
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How are defaults reported on TransUnion reports?
Hi all, My partner had an account with Anglian Water that defaulted in 2016, unbeknownst to him. He moved out, but they sent correspondence to his previous address, so he didn’t receive a notice of default. He checked his credit report this year using Totally Money, which is powered by TransUnion. His credit report shows…
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Alias Information on Experian.
I was just having a closer look at my Experian file when I noticed the comment "Aliases - 1". Clicking on the link took me to a page with the following information (paraphrased):Miss Lxxxxx Mxxxxxx alias of Mrs Lxxxxx WxxxxxxData submitted by Principality Building SocietyNovember 2007.To be clear, this person does not live…
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Do CCJs for non-debt-related reasons affect your credit record?
I am well aware that CCJs in relation to a debt do, unless paid within 30 days, stay on your credit record for six years and can make it very difficult to obtain credit. However, I am at risk of having a CCJ for sum of money in relation to a matter other than a debt awarded against me (long story - I sold a house, buyer is…
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Credit scores
Hi there, sorry if this has been asked a thousand times already, but me and my husband have finally. Managed to get all our debts sorted now we have been using credit karma and we'll we thought are scores are so much better, we tried Experian and our scores are significantly lower, I'm talking 300 point lower does anyone…
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TransUnion
I was looking at my NatWest account and my credit score and...TransUnion advised me that a had a negative on my credit score because I had no mortgage.This leads to two questions, firstly how does not having a mortgage become a negative.More importantly how does one remove such a negative when one is aged and banks no…
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Awaiting CCJ - How long?
Long story short have had a debt with Lloyd's TSB for some time. Original default date as per Equifax and TU is December 2014. I stopped receiving letters about it about 3 years ago and buried head in sand. I have no clue who the debt is now with although since I have got my s*it together and have the money to pay it off…
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Will opening a TransferWise account affect my credit rating?
Background: We are in the process of moving house and looking at selling some US shares. From what we've read, transferring the money in USD into our bank account in GBP will lose us quite a bit because of bad bank exchange rates. We've been advised to create a Transferwise account and move the money that way as they have…
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Stepchange - Improving credit following debt management plan
I have finally paid off my previous debt through a debt management company called stepchange, who were fantastic. However during this debt management it resulted in three defaults on my credit file, unsure how/why as I never missed a payment. I started the plan in October 2017 and ended this last month. Anyway I am in a…
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Credit Score Websites Advice
Some 10 months ago I had to supply personal information to a Compliance Officer for the DWP, this included bank statements, pension details (Civil Service and NHS) etc etc. Probably enough info for someone to assume my identity!!! All sent recorded and tracked via Royal Mail to the address on the envelope provided by the…
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CRA holds incorrect info about me but I don't know which info it is.
I use ClearScore, Credit Karma and MSE Credit Club on a regular basis to check my credit reports. Every month I go through every single section and every account on every report, to make sure everything is OK. I know that informations on my credit reports are OK, whether it's dates of account opening, payments, types of…
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Missed payment after full mortgage offer
Hi All,We're in the process of waiting to move house. We have sold our house and we are waiting to move into the new house. Our full mortgage offer has been given by BOS, and we're just waiting on sellers being ready to go. In the interim, we have missed a payment on our car insurance (a genuine error of not having cash in…
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Just applied for mortgage.. 9 year old account pops up on credit file. Can this be removed?
Mortgage soft search.... 21st September. Pulled my credit files, all scores good however an Argos card added on 22nd September. This was an account from 2008, defaulted in 2011 and I paid a partial settlement to finish it. It wasn't on my file as the default was so long ago. Should they have added this now? The final…
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tenant with CCJ
Hi all, I have a tenant (friend? looking to rent a room within my private bungalow. She did a credit score using checkmyfile and its found a CCJ from 7 months ago for £864.00 (she doesn't know what its for its probably a debt thats been bought as it is showing as LOWEL? (anyone know who Lowell is) The CCJ is in Wales (she…
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1 late payment - BT
Hi I have signed up for a new broadband service from BT and gave my direct debit details during the sign up. It was impossible to sign up without providing direct debit details. I didn’t receive an email alerting me that my bill was ready, I received an out of the blue late payment notice (2 days late). I phoned BT to pay…
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Royal Bank of Scotland Threatening Letters
I have a RBS account with an overdraft limit of £600, I am about £500 into it. During these last difficult months I have not used the account but also I have not paid anything into it to reduce the overdraft amount. I had to go down to England to look after my elderly parents for a few months. I returned this weekend and…
