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Credit reports, does anyone know how far they go back?
Hi, Sorry if this is the wrong place but wasn't quite sure where to post it. I just wondered how many years back a credit report will go. Mine is quite short at the mo from 2003-present. There is one 1 entry on orange from 2003, but my last report is from 2007. I just wondered how long before 2003 drops off the report, if…
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DMP and Interest
Hi I was wondering if someone can give me some advice. My dad has a DMP. His debts are slowly going down apart from a debt that he has with Natwest Bank as they are adding interest on his account all the time. He has been advised by the people that he has set up his debt management plan with to contact the bank and request…
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Barclays won't update credit file.
Didn't know whether to post this here or on Bankruptcy board. I was made bankrupt on 06/12/2007, since then I've tried to clear up my credit file.. every one of them has been done now, apart from my old Barclays current account. It is still showing a current balance of £4,842 overdrawn. I have written to them 3 times and…
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Duplicate Default help
HI, Hope someone can help me with this one. I just got my updated credit report and I have 2 defaults listed for the same debt. One with the original company and one with the DCA now dealing with it. The default dates are the same and both have an outstanding balance. THe balance from the DCA seems to be £8 more than the…
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Multiple defaults on one credit account?
Hi there, I have just got a copy of my credit report from the 3 reference agencies. Looking through I see nothing untoward, until I look at the CallCredit file, on there is an account that appears on the Exquifax report for the same amount, details etc. The Equifax entry has 1 default registered back in March 2007, the…
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Repayment of buisness loan 18 yrs,advice please.
18 YEARS AGO I had a sewing business which i had to close due to recession in 1980's, people went bankrupt on me, cut a long story short I ended up owing Nat West Bank £4,200 on my business account...but when everything sorted out with my Accountant the final figure was £8,200 (interest added):eek:, I have been paying this…
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Help with a LTSB loan
I have a loan with Lloyds TSB that I took out in 2006 for £16,000. It was an 8 year loan and obviously I'm around half way paying it back (minus a few optional payment holidays they allow). Also, I have a large overdraft with Lloyds TSB of £5600 which I want to get rid of and I wondered whether Lloyds would allow me to…
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Threat of Court Action by DCA?
Greetings all, this carries on from; https://forums.moneysavingexpert.com/discussion/2493819 , basically having made a F&F offer today we have received a letter that says; "legal action will be taken against you if you do not pay immediately....CCJ may affect you....following legal action and the entry of judgement the…
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PLEASE help me stop spending
hi everyone, i am new to this board although always come on here to read people's posts as it helps me too. my problem is, that i/we owe money to people and it really gets me down.I worry over it constantly and i am always checking our bank balance to see what money we have.it is almost an obsession.Part two of the problem…
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Help please on old debt and payments to collection agency
Hello Posting on behalf of my partner, he has been tracked down by a deb collection agency called 1st credit. He had an overdraft with barclays which was closed and the over draft not setted for £500 this was roughly 4 years ago he did have a deault on is credit file which has just come off. Anyway they contacted him and…
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Can Credit Expert Do This?
OK, I got my credit report, noticed LOTS of repeated addresses in my linked addresses, so wrote to Credit Expert to have it sorted. There are currently more than 70 linked address entries on there!! Well, their reply today is that I am wrong, nothing has been repeated, and that all this info will stay on there for 8 years!…
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Full & Final Offers to banks and DCAs
Hi Can anyone give me any advice on F & F offers to DCAs and or banks ? We have quite a few debts which I believe we could renegotiate to be paid off with a bit of effort What do I offer ? how much % of the debt should I be offering ? We get mailings from one of our creditors a few times a year offering us a low payoff if…
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Thoughtful Thursday 8th July - daily chat
Hi everyone! :hello: Hope I haven't duplicated a thread!Morning all, hope everyone's well. I am a bit annoyed with myself today as spent a bit too much last night out with a friend,:( but I am determined to just dig in and make my money last until my "changeover day" next Tuesday! Oh well, at least I should get a few NSDs!…
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mental illness and debt mistakes
Hello guys, I suffer from a severe mental illness. I've generally always been quite careful with my money however recently my health deteriorated and I spent vast amounts of money on stuff I didn't need in a short space of time. Without going into this in detail, I managed to rack up about £5k of debt within a couple of…
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Thurs 8th July - What small DFW things have you done today?!
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Harassment By Debt Management Limited UK
Hi I posted a thread the other day, in relation to a debt I could not pay years back (over 6 years ago) With reference to my post and the letter I had from Debt Management Limited, they did send a Debt officer to my address. The reason for my posting now, is I believe they have broke the law and committed a Criminal…
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Claim from BCW of a debt which never existed!
Hello all, Today my fiance received a letter from Buchanen Clark & Wells claiming it was a Formal Demand of £287.87, and that they had been instructed by Arrow Global Ltd to recover the overdue debt. And that the creditor was Orange. They stated over the phone that this debt was from when he lived at his parents address,…
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debt id thought had gone, attachment of earnings order?!
Dear Sir or Madam, I write in reference to a letter received this morning from St Albans County Court, in which I am informed (I believe) that Mortimer Clarke now own a debt of mine. I have called your office twice, the first time to establish what the debt was, as I have never heard of your company previously; and the…
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Going to court for redetermination
Going to court for redetermination in respect of cc outstanding balance of £7500, i am keen to know what is the best/worst payment judgment we can hope for, at the moment we are level pegging with all our important bills,and have no luxury's. Without our credit card dept life would be OK.:beer:
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Help! Defaults and how to challenge
Hello, this is my first post and i wonder if anyone may be able to offer some much needed advice. I am now finally debt free after 13years of agony. I am now of course scarred by the effect of this debt on my credit report. Now trying to apply for a mortgage and sadly have come up against a brick wall due to two defaults…
