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Experian fraudulent credit report application letter
Hope this is the right board for this particular issue. Two of my relatives have received letters from Experian, but to an old address they no longer live at. Both letters state that there have been online applications to subscribe to their credit files (one with Experian direct, the other with a service which I think it…
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Success Story- NatWest refund
In 2019 i defaulted on my NatWest account due to overdraft charges from package bank account fees. My partner and I are now looking t to o get a mortgage so I’ve been cleaning up my credit file. I thought I would make a complaint to NatWest about the charges under a miss selling of package account complaint. The complaint…
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The right credit rating steps before getting a credit card
Hi everyone, First of all, thank you for all your insights. I have read the thread about how credit ratings are just marketing services, I had no idea. I want to explain the situation I am in: * I want to improve my credit history by taking out a 0% credit card, which I plan to turn into a card to use for monthly groceries…
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Why you might be wrong about credit scores
I made a mistake on here a few days ago. I asked where I could find my credit scores online. I wasn't given an answer. I was belittled and made to feel stupid for even entertaining the idea. The motivation of those doing it may have been to try and help but it felt like it was more to make themselves feel superior. The…
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BW Legal have sent me a letter
Hi people, I'm a newbie here so apologies if I'm posting to the wrong place. Basically I'm trying to improve my credit score and wondering why it won't seem to budge from 'very poor' despite making sure I'm doing all the things suggested to increase your score over this past year. .. then hang on a minute! what's this…
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Financial link car insurance...
Hi again, I have successfully disassociated myself from my financial link with my partner as we closed joint bank account before my debt relief order, so he’s not affected by my insolvency as he has a squeaky clean file, however I’m now in a bit of a worry as he has named me as an additional driver on his car insurance…
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HSCB Safeguard - "We need to confirm some of your organisation details"
Dear all, I hope this thread finds you well and safe. I currently hold a business account with HSBC and received a letter from the bank with the above title. They basically introduced themselves and said they would from time to time ask me to confirm, update or give me new information. Could you please help with the below…
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UC and credit reference agencies
Is receiving Universal Credit reported to the credit reference agencies? Thanks.
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Loan in Default - What happens in year 6?
Hello, I’m hoping for some input from others who have been in a similar situation... After being on an informal debt managment plan for 12 months, I defaulted on a large loan in January 2020. In Feb 2020, it was sold out to a debt collection agency (‘Interum’). I’ve since been paying them an agreed amount each month. They…
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PRAC Financial & BW Legal
So here's another experience with these two; my son shares the exact name and DOB as a Payday loan defaulter which PRAC purchased and, using their scattergun approach, they latched onto him. PRAC had Equifax create an account and link his address to that of the debtor resulting in his credit score being 'shot' and he had a…
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CCJ didn't update the Court
Good morning.I'm stuck as to what my potential options are, at the moment and was hoping you guys could help me. I had a loan when I was 19 for £2,000. Being young and stupid, not an excuse, I didn't pay. Years later I got a CCJ for the amount back in 2016. I paid it off as soon as possible, believe it was 3 months. I…
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Letter from Global Debt Recovery
I'm hoping someone here can give me some advice. I have received a letter today from Global Debt Recovery which looks to be like an MBNA credit card debt. The thing is, this debt is at least 10 years old, maybe even 20, i can't be sure. Do I have to pay this? What can I do to stop them sending me letters?
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Is it worth paying more for a contract mobile phone for the credit score benefits?
I am a soon to be university graduate and so i have starting thinking about ways to build my credit score. In researching a new mobile phone i have found that a contract option would be about £150 more expensive over 2 years than buying the phone outright with my current sim only contract. Overall does it seem worth the…
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Lowell’s - Received Court Action
Hi There. please can someone help with this as I’m not sure how to defend this. I have received court action from Lowell’s solicitors on 16th Feb. Not acknowledged or anything yet. I have debt problems as I have been out of work. I started a job on 15th Feb so contacted payplan to start a DMP which will have its first…
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Credit check without permission, what are the rules please?
Hi, I did a quick search but couldnt find anything relative, as per title, I have had a credit check done without my permission or even being told it would be done, I only noticed because I was enquiring for a remortgage at the time and saw my score had gone down. Is this legal? I always thought permission was needed? Many…
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HSBC Card Not Wiping From Report?
Towards the back end of 2019 I opened two credit cards with HSBC. The Advance Reward card and their Balance Transfer one. I managed to pay the BT one a lot sooner than I thought and realised I also wasn't using the reward one either and closed these both down in June 2020. The BT card wiped straight away from my report,…
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Lloyds bank credit card successful then unsuccessful as well Halifax
So I applied for a Lloyds Low Apr credit card and said I was estimated a credit limit of £4800 and was successful and then the next day I also applied for a Halifax Balance Transfer Credit card with a estimated credit limit of £4800 as I wanted to get rid of my Aqua outstanding balance (£4250) as their interest rates are…
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Vodafone/Lowell default
I'm hoping to get some guidance if anyone can help. Three years ago I received a default over a small debt (<£300). It was over some mobile data charges that I understood were to capped but were not. Vodafone gave me the runaround, offering to halve the bill on one call and then retracting it on the next, never ringing me…
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Late payment marker off Santander for paid off and closed credit card
Im after a bit of advice here, and will try to keep it concise...Last October I was buying a house, and my mortgage offer was made (in principle) based on me clearing a balance of around 4700 I had on my Santander credit card.I called up on 16/10/20, asked for my settlement figure and paid it there and then, during the…
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Credit Club can’t get access even though details appear correct?
Just received email from credit club re my credit check. So am recently widowed and financial details have changed considerably since death of my husband I thought I’d check. I passed the credit club questions easily but failed the Experian ones, where or why I’ve no idea & have been going round in circles trying to…
